First State Bank (FDIC #15663): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #15663): bank stress 85/100, severe, STABLE over 7 days; parent FIRST STATE CORP.

First State Bank (#15663) lends in 7 counties across 1 state; First State Bank (#15663) reaches 52 ZIP codes: Mississippi 7 counties, 52 ZIPs.

First State Bank (#15663) largest markets: Jones County, MS (26 branches, 13 ZIPs) (#15663), Lauderdale County, MS (12 branches, 12 ZIPs) (#15663), Madison County, MS (24 branches, 12 ZIPs) (#15663), Clarke County, MS (9 branches, 9 ZIPs) (#15663), Wayne County, MS (56 branches, 8 ZIPs) (#15663), Greene County, MS (14 branches, 7 ZIPs) (#15663).

First State Bank (#15663) reports $951.5 million in total assets; First State Bank (#15663) equity $91.5 million (9.6% of First State Bank (#15663) assets); First State Bank (#15663) domestic deposits $828.0 million; First State Bank (#15663) net income $1.6 million; First State Bank (#15663) return on assets 0.34%; First State Bank (#15663) return on equity 3.58%; First State Bank (#15663) net interest income $12.8 million; First State Bank (#15663) call report June 30, 2026.

First State Bank (#15663) noncurrent real-estate loans 0.05% of its book; First State Bank (#15663) residential 0.04%; First State Bank (#15663) net charge-offs on real estate 1.31%; First State Bank (#15663) multifamily charge-offs 2.39%; First State Bank (#15663) residential charge-offs 0.53%.

First State Bank (#15663) net interest margin 2.89% against an eight-quarter First State Bank (#15663) average of 2.56% (First State Bank (#15663) compression -0.33 points); First State Bank (#15663) real-estate loans 4.8% of equity; First State Bank (#15663) non-residential real estate 53.0% of equity; First State Bank (#15663) rate-exposure score 40/100, First State Bank (#15663) fixed-rate trap 40/100; First State Bank (#15663) risk type credit driven; First State Bank (#15663) rate regime rates elevated, First State Bank (#15663) snapshot October 20, 2026.

First State Bank (#15663) stress score moved from 83.3 on June 22, 2026 to 85 on October 20, 2026; First State Bank (#15663) ranged 83.3 to 85 over 117 snapshots.

First State Bank (#15663) alerts: 7 counties; top First State Bank (#15663) alert scores: Quitman County, MS 43 (moderate); Madison County, MS 40 (moderate); Laurel County, MS 26 (low); Lucedale County, MS 26 (low); Meridian County, MS 26 (low).