Why choose us for your loan needs?

  1. Our loan decisions are made locally (except for secondary market real estate loans).
  2. Friendly, courteous, experienced loan officers.
  3. Our loan officers are part of the community.
  4. Excellent loan production service, very fast turnaround if not the same day and excellent loan servicing after the loan is made (except for secondary market real estate loans).
  5. Competitive rates.
  6. Our loan officers will help you meet your financial needs.

selection arrowWe specialize in:

Personal Loans

Sometimes your needs are simple - a new refrigerator or a new washer & dryer. And sometimes your needs are great - a new kitchen or new roof. Whatever your needs are, come by First State Bank & Trust to speak with one of our loan officers about your consumer loan needs today. We're here to help you with competitive rates, community loan officers, local decisions and a loan production service to assure quick turnaround time.

Commercial Loans

Our loan officers can assist you with all your business needs. We have experienced loan officers in new business, business expansion, working capital or other assistance to your company. Our loan production services enhance a quick turnaround and decision. We offer competitive rates and options.

Agricultural Loans

We strive to be the farmer's best asset in their business, from land, crop, and equipment loans, we will always be there, from the corporate entity to the family farm, we're here to help. Our goal is to always aid our agriculture customers in any way possible.

We have many diverse products and solutions to make your banking needs easier. Ag loans that meet your payment needs, credit score assistance, online cash management, and many other solutions that may arise within your agriculture business.

Real Estate Loans

Home ownership is one of the true American Dreams. A home is a place where you can plant roots, grow a family, take your shoes off and relax. You can tear down a wall to open space, or build a wall to create a new room. You can paint a room any color you want, even pink with yellow polka dots and chili pepper lights hanging from the ceiling. No one can stop you.

So whether you need the extra large family room or you need to express your color creativity, you can come talk to us about your dream of home ownership. Stop by one of our branches and visit with one of our loan officers. We may be able to help make your dream a reality.

Rural Housing Loans

The cost of buying a home is less than you think...Owning a home can be attainable and affordable. We are committed to making home ownership more affordable. Thatís why we offer USDA Guaranteed Rural Housing Loans which increase the opportunities for homeownership and improve the quality of life for rural residents.

Guaranteed Rural Housing Loan Features:

  • No down payment or reserves required
  • Closing costs may be financed (with sufficient equity)
  • Seller paid closing costs allowed
  • New construction or existing home (no manufactured homes)
  • No Mortgage Insurance required
  • Primary residence purchase loans only
  • For more information on this program, or to apply, simply call or stop by to visit with one of our loan officers at the branch nearest you.
Auto Loans

Purchasing a new or used vehicle is almost as time consuming, stressful and important as buying a new home. Come in to see one of our loan officers to discuss your auto needs so that we can find the best solution with the best interest rate for you.