First State

Business loans designed for you!
You have needs... First State has your options.

First State Bank & Trust specializes in Business Loans, Commercial Loans, Development Loans and Land/Real Estate Loans with Local Financing & Servicing.

First State builds loan packages depending upon the needs of your business. Loans are available to finance the purchase of fixed assets, such as equipment or machinery; to finance the purchase of inventory; to provide working capital; and to refinance existing debts.

First State focuses on Real Estate Loans

• Vacant Land Loans
• Residential Construction
• Home Mortgages
• Home Equity Line of Credit (Non-Revolving Loan)
• First Equity (Revolving Loan)

What makes our services unique?
First State Bank & Trust offers loans to purchase unimproved land.

• Fast loan review and approval.
• Competitive annual percentage rates.
• No prepayment penalty.
• Auto-Debit available for monthly payments.
• We can customize a loan to your needs.
  Features may include:
  • Term loans with fixed payment schedule.
  • Advancing loans with flexible or advance options.
  • Revolving lines of credit for established businesses.
  • Secured or unsecured loans, depending on individual circumstances.

To learn more, visit the First State Bank & Trust Website.