We are closely monitoring the re-opening guidelines provided by Governor Walz. We have developed a plan and have taken extra precautions to ensure the safety of our clients and staff.

For your safety and ours, we ask that you do not enter our lobbies if you are experiencing any of the following symptoms:
  • Fever
  • Cough
  • Fatigue
  • Shortness of breath
What we are doing to keep our community and clients safe:
  • Limited number of clients in the lobbies.
  • Masks. Per Governor Walz's Executive Order 20-81, masks are required when entering our lobbies. If you do not have one, we can provide one.
  • Social distancing. Clients and employees are asked to follow social distancing protocols. Please be aware of floor markers and arrows when visiting to ensure a safe social distance from other people.
  • Plexiglass shields. At our teller windows and banker desks, we have installed plexiglass shields for another layer of protection.
  • Hand sanitizer stations. Sanitizing stations have been placed in high traffic areas.
  • Pens. Pens will only be used once. If you are using an FSBT pen, please take it with you when you leave or discard in the bin provided.
  • Coffee. To help reduce the risk of spreading germs, we have removed coffee stations from all lobbies.
  • Cleaning. Our employees and cleaning staff have ramped up their cleaning efforts and continue to disinfect high traffic areas regularly.
  • Restrooms. Restrooms are temporarily closed.
  • Employee social distancing. Employees who have the ability to work remotely are encouraged to do so. Internal meetings will continue to be held virtually to limit unnecessary exposure.
We appreciate your understanding and thank you for keeping our communities safe!

Please continue to visit our drive-thrus, use our eBanking products, or call us at 651.439.5195.

We look forward to helping you and appreciate your business!

Convenient Products for Our Clients to Bank Remotely:

  • Sign up for Internet Banking.
  • Download our FSBT Mobile Banking app via the Apple App Store or Google Play to make deposits, transfer funds, check account balances and pay bills.
  • If you haven't already, please check with your employer to set up direct deposit. With direct deposit, your funds are available immediately once they hit your account.
  • Please utilize our drive-thru at our Bayport, Stillwater, Oak Park Heights offices or one of our 24-hour on premise ATMs, or the MoneyPass® ATM Network which provides our clients with thousands of surcharge free ATMs. Visit MoneyPass® for eligible locations.
  • Consider using your FSBT debit card for purchases rather than cash. 

Have questions or need immediate assistance? Contact us by calling one of the phone numbers or clicking on one of the links below.

  • Bayport: 651.439.5195 (Drive-thru hours: M-F: 8 a.m. – 6 p.m. // Saturdays: 9 a.m. – 12 p.m.)
  • Trust Services Department: 651.351.3760 or email Chad
  • Oak Park Heights: 651.439.2665 (Drive-thru hours: M-F: 8 a.m. – 6 p.m. // Saturdays: 9 a.m. – 12 p.m.)
  • Stillwater: 651.439.7072 (Drive-thru hours: M-F: 8 a.m. – 5 p.m. // Saturdays: 9 a.m. – 12 p.m.)
  • Valley Agencies, Inc.: 651.439.2930
  • Hudson: 715.808.8183 (Deposits can be made at the ATM or through the night drop. Staff will monitor multiple times a day.)
  • iTalk: 651.439.7722 (24-hour Telephone Banking System)
  • Internet Banking, Debit Card, Mobile Deposit (RDA) or iTalk help – contact BANK SERVICES with any questions.
  • Consumer loan applicationsSTART HERE for an individual loan // START HERE if you have a co-signer or contact Heather with any questions.
  • Mortgage loan applicationsSTART HERE or contact Dan with any questions. For mortgage payment related questions, please contact Pam.
  • Online deposit applications - CLICK HERE.
  • Personal and Business Banking: To open a new account, change signers on an account, renew a CD, or any additional banking needs, please contact a universal banker at the following locations:
    - Bayport: 651.439.5195
    - Oak Park Heights: 651.439.2655
    - Hudson: 715.808.8183
    - Stillwater: 651.439.7072
  • Drive-thru services: a lot of your banking needs can be met through the drive-thru, including: deposits, withdrawals, transfers, cashier checks, money orders, prepaid gift cards, cash advances, and change orders (first lane only).
  • Notary Public: Visit the first lane of our drive-thru so we can assist you. Make sure to have proper ID (Driver’s License, State Identification Card, Passport) ready and send documents through the drawer. Medallion Signature Guarantees available by appointment only. Please call 651.439.5195.
  • Night Depository: FSBT staff will continue to monitor night depositories multiple times a day during temporary lobby closures.
As with many organizations, we are closely monitoring issues surrounding the Coronavirus (COVID-19) and are prepared to take any proactive and necessary precautions to ensure the safety of our employees, clients and community during this fluid situation. Here are some of the measure we are taking currently.
  • We have a formal Pandemic Plan that helps us prepare for situations such as COVID-19. Our management team is diligently reviewing and updating the plan as appropriate.
  • We provide frequent communications to our employees highlighting recent developments and our responses.
  • Employees are instructed to stay home if they feel sick.
  • We encourage employees to practice safe social distancing as recommended by the CDC.
  • Employees and our cleaners are taking extra precautions to sanitize surface areas on a regular basis.
  • Clients may see a reduction in staffing as we work through handling the school closures and other alternative work arrangements suggested by the CDC.
We will continue to monitor this situation and the impact on our community. We will provide updates as necessary on our website or through social media channels including Facebook, Instagram and LinkedIn.

First State Bank and Trust is able to offer Small Business Administration (SBA) loans through the recently passed Coronavirus Aid, Relief, and Economic Security (CARES) Act.

  • Due to the unprecedented demand for the Payment Protection Program, First State Bank and Trust is only taking applications from our existing commercial clients at this time. We are asking clients to send an email to In that email, please include your business name and phone number. You should expect an email response within 1 business day. The response will include information on the program and the application.


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