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First State Bank in Wrens, GA

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Wrens, GA branch of First State Bank located at 300 E Broad St provides banking services to the community.

Data compiled from public sources

First State Bank Review

First State Bank's branch at 300 E Broad St brings full-service banking to downtown Wrens, GA. Located in the heart of the Wrens community, this branch provides convenient access to banking services for residents and local businesses. Current branch hours are available by contacting the location directly or visiting the website.

This Wrens banking branch offers a range of standard services including deposits, account management, and financial assistance. Whether you're opening an account, making deposits, or seeking banking solutions, the staff at this location is ready to help. For details on specific services available at the Wrens branch, contact First State Bank directly.

When you visit First State Bank in Wrens, bring a valid government ID and any relevant account documentation. The branch serves the Wrens community with personalized banking support and reliable financial services. Stop by 300 E Broad St to experience convenient banking in your community.

Services & Features

Agricultural loans
Auto loans
Business loans and Business Lines of Credit
Card Suite Lite debit card control and management
Certificates of Deposit (CDs)
Commercial Checking and Commercial Interest Checking
Community Plus Checking and Basic Checking accounts
Home mortgage loans
Individual Retirement Accounts (IRAs)
Mobile banking apps (iOS and Android)
Personal loans and Personal Term Loans
Savings accounts and Christmas Club savings accounts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC-insured deposits backed by full U.S. government faith and credit
  • 50+ years of listed agricultural lending experience and relationships
  • Free mobile banking apps for iOS and Android with instant account access
  • Card Suite Lite provides debit card control features (on/off, transaction limits, location controls)
  • Tiered-interest Community Plus Checking account designed to earn interest
  • Multiple branch locations across central Georgia (Wrens, Louisville, Americus, Warrenton, Harlem)
  • Comprehensive loan products including mortgages, personal, auto, business, and agricultural loans

Cons

  • Limited fee transparency on website—no accessible fee schedule details provided in content
  • Website lacks specific information on interest rates, APRs, or CD terms to compare competitively
  • No mention of minimum balance requirements, account opening incentives, or promotional rates
  • Geographic limitation to central Georgia may not serve customers outside service areas
  • Limited detail on loan approval timelines, processing times, or online application options

State Consumer Finance Context

This is state-level context for Banks consumers in Wrens, GA. It does not confirm that First State Bank or this specific location is licensed.

State regulator

Georgia Department of Banking and Finance

Key state rules to check

  • Payday lending is banned; Georgia repealed the industrial loan act that authorized small loans.
  • The Georgia Industrial Loan Act criminalizes payday-style lending as a felony racketeering offense.
  • Licensed installment lenders can charge tiered rates up to 60% for smallest loans.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does First State Bank offer?

First State Bank offers 12 services including Community Plus Checking and Basic Checking accounts, Commercial Checking and Commercial Interest Checking, Savings accounts and Christmas Club savings accounts, Certificates of Deposit (CDs), Individual Retirement Accounts (IRAs), and 7 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Agricultural business owners and farmers seeking listed lending and long-term relationships, Georgia residents in Wrens, Louisville, Americus, Warrenton, or Harlem areas preferring local branch banking, Customers seeking FDIC-insured deposit products with mobile banking convenience, Small business owners needing commercial checking, business loans, and merchant services.

What are the strengths and weaknesses of First State Bank?

Key strengths: FDIC-insured deposits backed by full U.S. government faith and credit; 50+ years of listed agricultural lending experience and relationships; Free mobile banking apps for iOS and Android with instant account access. Areas to consider: Limited fee transparency on website—no accessible fee schedule details provided in content; Website lacks specific information on interest rates, APRs, or CD terms to compare competitively.

How does First State Bank compare to similar companies?

In the Banks category, comparable providers include American Pride Bank, Ameris Bank, United Community. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1964
Headquarters
Wrens, GA
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #19163
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is profile signals for depositors and borrowers in central Georgia seeking traditional community banking with FDIC insurance, agricultural lending experience context, and digital convenience through mobile apps. The main caveat is limited online transparency regarding rates, fees, and loan terms, requiring direct contact with the bank for specific pricing and competitiveness assessment.

Profile Signals

  • Agricultural business owners and farmers seeking listed lending and long-term relationships
  • Georgia residents in Wrens, Louisville, Americus, Warrenton, or Harlem areas preferring local branch banking
  • Customers seeking FDIC-insured deposit products with mobile banking convenience
  • Small business owners needing commercial checking, business loans, and merchant services
Updated 2026-05-08

Similar Companies

American Pride Bank logo

American Pride Bank

FDIC-insured bank offering checking, savings, credit cards, and retirement products designed for small business owners and entrepreneurs.

BBB: NR

Profile signals: Small business owners and entrepreneurs seeking a bank designed specifically for their needs, Consumers wanting high-yield checking with competitive APY and rewards structure

Ameris Bank logo

Ameris Bank

Regional bank operating in 8 southeastern states with full-service and mortgage-only locations, offering personal and commercial banking, mortgages, and equipment financing.

BBB: NR

Profile signals: Southeast-based small business owners seeking commercial banking and equipment financing with local relationships, Homebuyers in Alabama, Florida, Georgia, North Carolina, or South Carolina wanting local mortgage experience context

United Community logo

United Community

United Community is an FDIC-insured bank offering personal and business banking, lending, mortgages, and wealth management services across multiple locations including Embry Hills, GA.

5.0/5

Google rating from 130 reviews

BBB: NR

Profile signals: Customers seeking full-service banking with both personal and business accounts at a single institution, Small business owners needing listed lending (SBA, USDA, industry-specific programs) and treasury management

Compare Your Needs With First State Bank

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Quick Summary

  • First State Bank is listed as a Banks provider in Wrens, GA on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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