Financial planning isn’t just about long-term investing; it’s also about meeting short-term and mid-term needs; gaining the protection that insurance offers; as well as enjoying the peace of mind that an emergency fund can provide.

When the time comes that you are ready for long-term investing and the development of a financial plan we have professionals who can help you.

In the meantime, use our Financial Roadmaps to guide you on your financial journey toward the achievement of various financial goals you may have.

And when looking at major purchases we are happy to help identify financing options for your every need via various consumer loans and mortgage loans.

If protection from major financial risks is what you are looking for, we can connect you with one of our insurance agents at Valley Agencies Insurance to make sure you have the best coverage tailored to your needs. Valley Agencies is our affiliate and represents a host of the nation’s leading insurance companies.

Or if you are looking to establish an emergency fund, we are happy to discuss various savings products with you as well.

How can one place do all this? First State Bank and Trust and Valley Agencies have a wide array of financial products and services for every phase of your financial life – far more than you’d expect from a community bank. We believe the more you can do in one place, the more you can achieve.

Give us a call or stop in. Tell us what you’d like to achieve, then let’s chart a path to get there. Together.


We offer a full range of mortgage options.



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