Your Lending Options Applying for a loan from First State Bank & Trust means working with your neighbors to get local decisions. That’s just one way we’re growing Southeast Missouri. home Save time by completing our online loan application prior to meeting with a loan officer. Click here for a home loan application. auto Connect with a local lender who can find the best solution for your transportation needs. Contact your local branch to schedule a lending appointment. personal Our personal loans cover major purchases, from new appliances to home remodels. Take advantage of our convenient online application form. Click here for a personal loan application.