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Bank Local

Invested in the Communities We Call Home


First State Bank and Trust is locally owned, relationship-focused, and has proudly served Minnesota and Wisconsin families and individuals for more than a century. As other institutions merge and rebrand, we’re continuing to support the same people and places we always have.


 
 

Community Banking Should Feel Personal

When banks merge, change names, or shift decision-making away from the community, customers can start to feel like just another account number. Familiar branches may change, longtime employees may leave, and getting personal support can become more difficult.

At First State Bank and Trust, we believe community banking should still feel connected to you. That means:

  • Familiar faces who know you by name
  • Local employees invested in the markets they serve
  • Decisions made close to home
  • A bank that's built here and is staying here

Locally Owned. Locally Committed.

We've served Minnesota and Wisconsin communities for more than a century - and we're still independently owned today.

Here's what that looks like for you:

  • Decisions Made Here - When you have questions or need support, you can talk to real people nearby who understand the needs of local families and businesses.
  • Banking Built Around Relationships - We believe banking works best when it's personal. Our team is dedicated to long-term relationships, responsive service, and helping you feel confident about your future.
  • A Bank That Isn't Going Anywhere - While other institutions merge and rebrand, we remain committed to the same region we've served for generations.

Banking Designed for Everyday Life

At FSBT, banking is built around the way people actually live — with flexible accounts, secure digital tools, and a team ready to help when you need it.






Checking

Simple, convenient checking options with the tools you need to manage everyday finances with clarity.



Savings

Whether you’re just getting started or planning ahead, FSBT offers savings solutions designed to help you reach your goals.



Digital Banking

Access your accounts anytime with secure online and mobile banking tools that make managing money easy — wherever life takes you.



























Switching to the Right Place is Simple

Changing banks doesn’t have to feel overwhelming. Our team is here to help guide you through the process step-by-step.

  1. Connect With Our Team: Meet with a local banker who can help you choose the right accounts for your needs.
  2. Move Your Accounts: We'll help simplify the transition from your current bank
  3. Bank With Familiar Faces Again: Enjoy a more personal banking experience backed by people who live and work where you do.
 

Bank With a Team Invested in You

For more than 110 years, First State Bank and Trust has helped local families and individuals bank with confidence. If you’re looking for a banking experience that feels personal, familiar, and built to last, we’d love to connect.

Request an Appointment

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Lady smiling
Thirty-four years!
I have been banking at FSBT for 34 years. Their staff and personalized customer service are second to none! I have never had an issue, ever! My checking account was recently compromised through my seasonal campground and I was told I needed to change my account number immediately. This was not something I wanted to hear. The bank made the process of changing my account number easy and seamless. They even gave me a new bundle of checks for the new account number free of charge. Again, another example of their outstanding customer service! I wouldn't think of banking anywhere else. I highly recommend them!
Cheryl H.
Mature woman
Couldn't be happier.
We were looking for a bank that provided over the top customer service and assumed that we would have to go the private banking route. After having less than stellar service at two local banks we inquired at FSBT. We were told that was not a service they provided because EVERY CUSTOMER was treated like a private banking client! We can attest to that! We have been blown away by their customer driven service! Thank you FSBT!
Darcy J.
Middle aged woman
An amazing experience.

Working with the FSBT team and Lyz has been an amazing experience! Their support of both individuals and non-profit organizations is top notch. I would highly recommend FSBT to anyone who is looking for a personal touch and strong commitment to quality customer service!

Elizabeth F.
Middle aged man
More than a bank.

FSBT isn’t just a bank. It’s friendly smiles, caring hands, and team members that know us by name that we can trust with our accounts, trusts, and investments.

Matthew S. 



































 
         
         
         
         
         
         
         
         
         
         
     
 




















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Taking control of your financial future can feel overwhelming, but it doesn’t have to be.
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Stay Connected!

Since its founding in 1914, First State Bank and Trust has served as a cornerstone of the Stillwater community.
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Request an Appointment

We're ready to help you start your journey toward financial success.

Request an Appointment