First State Bank (FDIC #19163): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #19163): bank stress 56/100, moderate, STABLE over 7 days; parent CSRA BANK CORP.

First State Bank (#19163) lends in 4 counties across 1 state; First State Bank (#19163) reaches 30 ZIP codes: Georgia 4 counties, 30 ZIPs.

First State Bank (#19163) largest markets: Jefferson County, GA (18 branches, 9 ZIPs) (#19163), Warren County, GA (9 branches, 9 ZIPs) (#19163), Sumter County, GA (8 branches, 8 ZIPs) (#19163), Columbia County, GA (14 branches, 7 ZIPs) (#19163).

First State Bank (#19163) reports $512.7 million in total assets; First State Bank (#19163) equity $48.8 million (9.5% of First State Bank (#19163) assets); First State Bank (#19163) domestic deposits $444.8 million; First State Bank (#19163) net income $4.7 million; First State Bank (#19163) return on assets 1.84%; First State Bank (#19163) return on equity 20.61%; First State Bank (#19163) net interest income $11.0 million; First State Bank (#19163) call report June 30, 2026.

First State Bank (#19163) noncurrent real-estate loans: none reported; First State Bank (#19163) net charge-offs on real estate 0.30%.

First State Bank (#19163) net interest margin 4.50% against an eight-quarter First State Bank (#19163) average of 4.22% (First State Bank (#19163) compression -0.28 points); First State Bank (#19163) rate-exposure score 40/100, First State Bank (#19163) fixed-rate trap 40/100; First State Bank (#19163) risk type credit driven; First State Bank (#19163) rate regime rates elevated, First State Bank (#19163) snapshot October 19, 2026.

First State Bank (#19163) stress score moved from 57.9 on June 22, 2026 to 55.5 on October 20, 2026; First State Bank (#19163) ranged 55.5 to 57.9 over 117 snapshots.

First State Bank (#19163) alerts: 4 counties; top First State Bank (#19163) alert scores: Americus County, GA 19 (low); Harlem County, GA 19 (low); Warrenton County, GA 19 (low); Wrens County, GA 19 (low).