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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.

“While there is no finish line, First State Bank & Trust Co., Inc. continues to lead because of our dedication to operating in Southeast Missouri.”

-Duane S. Michie, Chairman of the Board

Fifty-six years in banking makes for an interesting legacy, and Mr. Michie has experienced it all, developing the flexibility required to adjust as regulations change and consumers’ needs shift. Today, Mr. Michie serves as Chairman of the Board for both First State Bank & Trust Co., Inc. and the bank’s holding company, First State Bancorp, Inc.


“Our commitment to the area and our history within the region set us apart from other financial institutions.”

-Gordon Waller, Vice Chairman of the Board

Gordon has more than 35 years of experience in community bank management, real estate lending, commercial lending and loan portfolio management. He served as President/CEO of First State Bank & Trust Co., Inc. from 2004 to 2018. His insights and leadership help First State Bank & Trust Co., Inc. excel in a range of areas, including technology and financial performance.


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

In his role as President/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, Executive Vice President/COO/South Market President
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, Executive Vice President/Chief Financial 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.


“Our reputation for phenomenal service drives us. We know trust is not given freely or maintained easily.”

 -Kyle Christian, Dexter Community Bank President

Kyle has more than 10 years of local banking experience. In 2016 he was promoted to Community Bank President, where he continues to happily serve his customers. He is currently attending the Graduate School of Banking in Baton Rouge, La. He has served on several boards and local community organizations in the area and continues to enjoy living in his hometown and helping it grow.


“The Bootheel region is full of untapped potential, with a wealth of opportunities for businesses in many industries.”
-Charles “Trey” Cain III, Caruthersville Community Bank 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. But now – he’s community bank 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.


“Whether you’re in the market for a new home, a student embarking out into the world on your own or a business owner ready to expand productivity, we can help you achieve your goals.”

-Nicholas Cartee, Portageville Community Bank President

Nick has been with First State Bank & Trust Co., Inc. for more than 10 years, filling a variety of positions, from operations to lending to Internal Staff Auditor to Community Bank President. He still has an important role within our lending team. Growing up in Hayti, he knows firsthand the challenges and values of Southeast Missourians.