Educational Series

In football, the red zone is the critical area of the field between the 20-yard line and the end zone. The retirement red zone is a critical period when you need a strategy for turning your retirement savings into income that can last throughout retirement. Planning for retirement means facing new challenges and a need for a game plan. In this seminar, Bryan Harding from Prudential will provide an overview of the key challenges you will face through retirement and provide solutions for the retirement red zone. 

March 20 // 6pm // Stillwater Public Library

Light appetizers provided. RSVP via Eventbrite or email

Business Series

As a business owner, you are accustomed to making decisions. Choosing the right retirement plan for you and your employees is one of those decisions. If you have been contemplating starting a retirement plan for your business, then this breakfast is for you! Join us for a discussion about your retirement plan options, benefits of contributing over time, risk tolerance, and a general market update. 

March 20 // 7:30am // Oak Park Heights Branch

Breakfast provided. RSVP via Eventbrite or email

Community Outreach

First State Bank and Trust encourages a culture of caring and commitment, demonstrated through community outreach and development. It is important to both employees and the Board of Directors that the Bank support nonprofit organizations and community projects, some which are:

Financial Solutions Partnership

First State Bank and Trust partners with FamilyMeans Consumer Credit Counseling Service (CCCS) to provide customers with access to financial counseling and education services. The following services are provided free of charge or at a minimal cost to all First State Bank and Trust customers.

  • Budget & Credit Counseling (In-person, telephone, mail or online)
  • Debt Management Plan
  • Credit Report Review Counseling
  • Financial Education
  • Online financial tools and information

Services can be accessed by calling 1-800-780-2890 or 651-789-4014, or visiting the FamilyMeans website at

FamilyMeans CCCS is licensed in Minnesota as a Debt Management Services Provider and in Wisconsin as an Adjustment Service Company. All counselors are certified through the National Foundation for Credit Counseling.


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