Applications / Mortgage Analytics / Lenders / Mississippi / First State Bank / Competition
First State Bank
Waynesboro, MS · State non-member bank · FDIC · $950 million assets · 163 loans in 2025
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163
loans originated, 2025
188
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Who First State Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO MISSISSIPPI, 2025
First State Bank ranks 40th of 438 lenders in non-metro Mississippi, with $22.1M lent: 0.6% of a $3.95B market.
non-metro Mississippi is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — JACKSON, MS, 2025
First State Bank ranks 83rd of 306 lenders in Jackson, MS, with $3.5M lent: 0.1% of a $2.61B market.
Jackson, MS is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — HATTIESBURG, MS, 2025
First State Bank ranks 52nd of 177 lenders in Hattiesburg, MS, with $2.1M lent: 0.3% of a $628.2M market.
Hattiesburg, MS is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — GULFPORT-BILOXI, MS, 2025
First State Bank ranks 126th of 319 lenders in Gulfport-Biloxi, MS, with $1.4M lent: 0.1% of a $2.12B market.
Gulfport-Biloxi, MS is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO ALABAMA, 2025
First State Bank ranks 282nd of 523 lenders in non-metro Alabama, with $1.3M lent: 0.0% of a $3.92B market.
non-metro Alabama is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — COLLEGE STATION-BRYAN, TX, 2025
First State Bank ranks 226th of 377 lenders in College Station-Bryan, TX, with $550K lent: 0.0% of a $1.70B market.
College Station-Bryan, TX is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — COLUMBIA, SC, 2025
First State Bank ranks 416th of 515 lenders in Columbia, SC, with $265K lent: 0.0% of a $5.77B market.
Columbia, SC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — DAPHNE-FAIRHOPE-FOLEY, AL, 2025
First State Bank ranks 313th of 485 lenders in Daphne-Fairhope-Foley, AL, with $650K lent: 0.0% of a $2.98B market.
Daphne-Fairhope-Foley, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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First State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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