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A Simply Better Lending Experience

At First State Bank, we strive to deliver a simply better lending experience. Our commercial lenders have the experience, knowledge, and dedication to help you achieve your goals. From the first conversation and for the life of the relationship, our customers are assured a local and personalized approach to serving their commercial and agricultural loan needs.

Simply Better Service Factors

Being locally owned and operated, all loan processes and servicing are managed by the First State lending team in your community. We work to provide a seamless loan experience where you are treated as a person, not an application!

Simply stated, one of the greatest benefits of banking with First State is the direct connection to our team. Through phone or email, we guarantee quick response times and a service-focused approach in giving advice, answers and solutions.

We operate as a true community bank with a highly efficient underwriting and approval system. This system provides the speed and flexibility needed to move your loan forward faster!


First State will deliver a high level of personal attention and responsiveness that most banks are incapable of providing. Our lenders are the decision makers, and local decision making translates into fast and concise answers to your questions.

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John C. Schaefer

Executive Vice President, Monticello

NMLS ID 648768

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J. Duff Hoel

Market President, Mortgage Lender, Tuscola

NMLS ID 648773

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Kyle J. Buhr

Commercial Relationship Manager

Brice H

Brice Hutchcraft

Market President, Champaign

NMLS ID 1634177


Our senior lenders have been helping farmers analyze, plan and grow their operations for over 25 years. We offer the experience, expertise and dedication to achieve success in today’s agricultural economy.

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Bill Blickhan

Vice President, Agricultural Services

Give us a call today at any of our convenient locations!