No matter where you are on your financial journey, let First State Bank and Trust guide you to your goals. For beginning investors, our financial guides create personal roadmaps that put you on a path to success. Already have investments? We can fill in critical missing pieces - like trusts, estate plans, HSAs & insurance - or bring them all under one roof to make your life simpler.

How can one place do all this? First State Bank and Trust has 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 with your investments, then let’s chart a path to get there. Together.



Establishing a trust can provide significant benefits during your lifetime and beyond. Trusts can help you manage your property and assets, make sure they are distributed after your death according to your wishes, and save your family money, time and paperwork. 

The Trust Services Department at First State Bank and Trust provides trust services in the following capacities:


As trustee, the Trust Services Department has a fiduciary responsibility to act in your best interest, while managing your trust assets according to the terms of your trust. 


You share fiduciary responsibility with the Trust Services Department to manage your trust and any assets held by the trust.


The Trust Services Department assumes fiduciary responsibility for the management of your trust assets in the event of your death or incapacity.

We offer these personal trust services:


Living Trusts enable you to maintain control over your assets while you are living, and specify exactly how those assets are to be distributed upon your death. It provides reliable, professional management of your assets, in accordance with your wishes, should you become physically or mentally incapacitated. Assets held in trust are not subject to the delays of probate court. They are distributed as soon as possible following your death. Furthermore, the details of a trust remain private, while a will is a public document.


Testamentary Trusts are established under the provisions of your will. The actual trust relationship is implemented only after your death, for the purpose of executing the distribution of your assets, as instructed in the will.


Irrevocable Life Insurance Trusts are for people who have wealth tied up in non-liquid assets, such as real estate, and can provide non-taxable funds that can quickly become available to meet immediate estate needs.


Charitable Trusts provide a means of ensuring the fulfillment of your philanthropic wishes. The initial contribution to the trust, often highly appreciated stock, can be claimed as a charitable contribution. The trust can sell the stock with no tax implications and diversify the proceeds among other assets. Charitable Remainder Trusts provide income to you during your lifetime, and the remainder passes to one or more designated charities upon your death. Other types of charitable trusts are available as well.


Special Needs Trusts can help provide supplemental financial support for a disabled person without jeopardizing qualification for government assistance. Such trusts can provide for a variety of vocational and recreational services, supporting the individual's dignity and improving his or her quality of life.

*Products are not a deposit or other obligation of, or guaranteed by, the bank or any of its affiliates. They are not insured by the FDIC/NCUSIF or any other agency of the United States, the bank, or any of its affiliates. There is investment risk including the possible loss of value.


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