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First State Bank and Trust Co.

Meet Your Bankers

Our focus is on growing Southeast Missouri.

Let’s work together to make it happen.

“We’re continuing our mission of building personal relationships, proving the many advantages of banking with a locally owned organization.”

-Matthew Drake, Chairman of the Board/CEO

In his role as Chairman of the Board/CEO, Matthew is leading First State Bank & Trust Co. in our mission of building relationships and delivering financial solutions through exceptional service. His extensive banking experience – including a decade at our Sikeston, Mo. branch where he previously served as Community Bank President – cemented his dedication to helping individuals and communities achieve financial success. Matthew graduated from Missouri State University with a Bachelor of Science degree in finance. He also attended Louisiana State University’s Graduate School of Banking.  

“First State Bank & Trust Co., Inc. offers the best in community banking – genuine relationships.”
-Lance Crawford, President/COO/Vice Chairman

Customers in Caruthersville and Hayti may recognize Lance from his years at their local branch. His keen sense of insight makes Lance the perfect person to fill the COO role. Lance began his work at First State Bank & Trust Co., Inc. in 2004 as a Loan Officer after graduating with a degree in finance from Southeast Missouri State University.

“Our organization excels because of our talented, determined and passionate team members.” 

-Sara Patterson, Chief Risk Officer/Trust Officer

With nearly 20 years of experience, Sara oversees a host of branches at First State Bank & Trust Co., Inc. She brings a wealth of knowledge thanks to her degree in finance from Southeast Missouri State University and her time spent completing the ABA Stonier Graduate Banking School program. She is an active community member, participating in her children’s school booster club and attending church programs regularly.

“Everyone at First State Bank & Trust Co., Inc. has a personal mission to serve the community, using our strengths to deliver exceptional service and knowledge both in and out of our branches.”

-Zachary Fayette, North Market President

Zach serves the Sikeston and Dexter areas. Before his work at First State Bank & Trust Co., Inc., he worked as a Bank Regulator at the Office of Comptroller of the Currency (OCC), then joined First State Bank & Trust Co., Inc. as Vice President/Commercial Loan Officer. He received his bachelor’s degree from the University of Missouri in 2008 and graduated from the Louisiana State University Graduate School of Banking in 2014.

“The Bootheel region is full of untapped potential, with a wealth of opportunities for businesses in many industries.”
-Charles “Trey” Cain III, South Market President

A native of the community, Trey empowers customers to embrace new opportunities. He has served as a Commercial Loan Officer and Vice President at the Caruthersville branch since February 2016. He now serves as South Market President. He holds a bachelor’s degree in agricultural engineering, technology and business with an emphasis in enterprise management from Mississippi State University. He also completed the Southeastern School of Banking at Vanderbilt University and the Graduate School of Banking at Louisiana State University.

“Southeast Missouri offers a plethora of opportunities – from raising a family to starting a business to discovering a productive industrial workforce. The leadership team at First State Bank & Trust helps others uncover the region’s possibilities.”

-Kay Watkins, Hayti Community Bank President

Showing extreme dexterity within the banking industry at an early age, Kay Watkins’ versatility and tenacity have never relented. Beginning her career as a teller, she worked her way through various departments, gaining an intuitive understanding of internal processes and the leadership required to move FSBT and our clients forward.

 “As a member of the Bootheel community for more than 40 years, I can say firsthand that First State Bank & Trust is fully unified with the area, understanding our values and principles in ways other financial institutions cannot.”

-David Gelsheimer, Commercial Officer

David Gelsheimer is a 40-year Bootheel native with an extreme interest in watching companies grow and excel. In his role, he helps business owners choose how best to expand operations, add space or enhance productivity through loans.