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Your family is unlike any other. Your Business is exceptional. Experience a bank that is too. 


Welcome to First State Bank and Trust! We know that you have many choices in financial institutions, and we’re confident that you will find First State Bank to be unlike any other option in the marketplace. 

First State Bank and Trust is unique because we’re 100% employee-owned. If that sounds uncommon, it’s because our ownership structure is extremely rare. In fact, industry analysts have estimated that fewer than 10 banks across the country have a similar structure to ours. 

You may have seen many community banks fall by the wayside, forced to sell-out to larger competitors. However, an independent operating structure and employee ownership represent the bedrock of our strategic plan. That means you can have confidence that we’ll be here for the long-term, viewing your success as our success. Put simply – our employees are heavily vested in seeing you succeed. 

This also means that we have the ability to recruit the very best and brightest staff to ensure that you receive a level of service that is unmatched in the area. In addition, we can operate with the speed and flexibility necessary to meet the needs of your unique financial goals – we aren’t bound by the rigidity of our large regional and national competitors. 

These aren’t just things we like to say, they are principles to which we are absolutely committed. In fact, if you ever receive a higher level of service at another bank, or you have suggestions for how we might improve your experience, then I invite you tell me about it! Just email me with your thoughts.

We’re grateful for the friendship and loyalty of our current customers, and we look forward to serving you for years to come. If you are not a customer, then we would be honored to earn your trust. I hope you can tell that we’re proud of our history, dedicated to our communities, and excited about the future – we want you to be a part of it! 


Headshot of Mike

Michael W. Atwood, CFA
President & CEO