Senath State Bank Is Joining
|
|---|
|
Great things are ahead - bringing more resources, more technology, and the same local team you've always trusted, ready to serve you just as they always have. For over 90 years, First State Bank & Trust Co., Inc. has remained a locally owned financial institution and through the commitment of its officers, directors and employees it continues to be a strong, stable and independent community bank with local management at each location. |
A Note from Our Leadership
We are thrilled to bring our two community banks together. This partnership is built on shared values: a deep commitment to our customers, our employees, and the Southeast Missouri communities we all call home. We invite you to read what leadership has to say about this exciting step forward.
"This is a natural fit. Senath State Bank has a wonderful history of local service, and we are committed to continuing that legacy. Together, we will be stronger, allowing us to invest more in technology and services while preserving the local decision-making and personal attention that define community banking. We look forward to building a bright future together."
"Finding a partner that shares our core values was our highest priority. FSBT's commitment to its employees, customers, and communities mirrors our own. This agreement ensures our customers will continue to receive the exceptional service they deserve from familiar faces, while gaining access to a wider range of products and services. We are truly excited for the opportunities this creates for our team and our customers."
Nothing Changes For You
There is nothing you need to do. Your banking will continue without interruption.
- Same Friendly Service The local team you know and trust isn't going anywhere.
- Your Accounts are Safe Your accounts, loans, and other services remain unchanged.
- Keep Your Cards & Checks Your debit cards, credit cards, and checks will continue to work exactly as they do today.
- No Change to Online Banking Your login and access to online and mobile banking stay the same.
Stronger Together:
What's on the Horizon
After the partnership is finalized, you'll enjoy the benefits of a larger community bank network.
- More to Offer Access to an expanded lineup of personal and business banking services.
- Better Banking Tools More convenient ways to manage your money with enhanced digital and mobile technology.
- A Wider Network Greater convenience with our combined family now serving 10 locations across Southeast Missouri.
| Our No-Surprises Pledge | ||
|---|---|---|
| As we move forward, we promise to be transparent, helpful, and true to our community roots. | ||
|
|
|
The Road Ahead
We're entering the next phase of this transition. Here are the key dates you can expect.
August 7, 2026
At the close of business, the transition from SSB to FSBT will begin.
August 8, 2026
Our Kennett Branch will be closed on Saturday, August 8, to allow the transition process to be completed.
August 10, 2026
By Monday, August 10, the operating system conversion will be complete, and Senath State Bank will officially become First State Bank & Trust Co., Inc.
Transition Details
Here's what the conversion means for your specific account.
No Action Needed
Your accounts will transition automatically on August 10. There is nothing you need to do before the conversion.
Your Account
Your existing Senath State Bank account will be converted to a comparable First State Bank & Trust account. For example, free consumer checking accounts will transition to our Eco Consumer Checking account.
Account Numbers
Most account numbers will remain the same. If a change is necessary, we'll contact you directly.
Interested in Other Account Options?
Once the transition is complete, our team will be happy to help you explore other FSBT products if another account better fits your needs.
Your Questions, Answered
Do I need to do anything with my accounts right now?
Nothing for you to do right now; your account will be transferred to a comparable FSBT account. Your new bank routing number will be 081517907.
Will my direct deposits and automatic payments (ACH) continue to work?
Scheduled direct deposits, bill pay and ACH payments will continue as scheduled. If you start a new one after 8/10/2026 – use routing number 081517907. Bill Pay will be unavailable on 8/7 through 8/10 or until data is merged and updated. If you have a scheduled payment for that date, please make other payment arrangements.
Can I keep using my Senath State Bank debit card and checks?
If you currently have an SSB debit card, you will receive an FSBT debit card several weeks before the merger. It will include instructions for activation and not to begin using it until August 10, 2026. You may continue using your current checks until it is time to reorder.
What happens to my online and mobile banking?
If you are already using Senath State Bank Online Banking, you can log into FSBT 1View Digital Banking on 8/10/2026 by entering your username and the last four of your Social Security number or TIN. Visit FSBTrust.com on 8/10/2026.
Are my loans or mortgages affected?
There will be no changes to your loan terms. You may continue making payments at your local branch or at any other FSBT location.
Will my branch hours change?
Lobby and drive-thru hours for all branches will remain the same, except that the Kennett branch will become drive-thru only on Saturdays beginning September 1, 2026.
How will I receive my account statements?
Please note: your SSB eStatements will not be available on the new online banking platform. We encourage you to download any statements you may need for your records before the transition is complete.
Is my money still FDIC insured?
Yes. Your deposit accounts will continue to be insured by the FDIC up to the maximum allowable limits. We will provide specific information about maximizing your coverage across the combined bank in the future.
Have More Questions? We're Here to Help.
Your trust is our most important asset. If you have any questions, please reach out.
Contact Us