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Your money. Your future.

Your Bank.

Branch Locations

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Easily Manage Your Finances Anytime, Anywhere

Digital Banking Options

Learn How To Protect Yourself
& Your Money

Financial Education

Your Hometown Bank for Over 90 Years

Personal Banking | Home Loans | Business Services | Agricultural Lending

Serving Caruthersville • Sikeston • Dexter • Charleston • Hayti • Portageville • Matthews

First State Bank & Trust isn't just another bank—we're your neighbors in Southeast Missouri. Since 1934, we've been here for local families and businesses through first paychecks, dream homes, growing businesses, and everything in between. Our bankers know your name, and we make local decisions on local needs.

Personal Banking

Checking, savings, and digital tools for everyday life

Checking Accounts Savings & CDs 1View Digital Banking Debit Cards

Digital Banking

Personal Loans

Local lending decisions for your biggest purchases

Home Purchase Mortgages Auto & Vehicle Loans Personal Loans Credit Cards

Start Application

Business Banking

Essential services for local retailers and service businesses

Business Checking Business Credit Cards Merchant Services Digital Invoicing

Get Started

Commercial & Ag Banking

Specialized financing for farms and commercial enterprises

Commercial Loans Agricultural Lending Cash Management

Contact Banker

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Spotting financial scams.

At FSBT, educating and protecting you and your business from financial scams is an important part of what we do. We stay current on what to watch for in order to educate our customers. Click below to see the latest on how to safeguard your business against check fraud and protect your business from phishing scams.

Learn More

Buying a home shouldn't be hard. It isn't at First State Bank & Trust.

Partnering with First State Bank & Trust Co., Inc. for your home purchase allows you to enjoy the benefits of a local lender. Our bankers get to know you and your family members by name, and when you have a question during the process of buying a home, you’ll have the luxury of knowing exactly who to call for advice.

Enjoy the convenience of our online mortgage application and local credit decisions to make the approval process quick and easy.

Apply Today

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Banking made simple.

First State Bank & Trust is more than just products and services. We're there for your first paycheck, buying a home, opening a small business, starting a family, or planning to retire, and everything in between. We're the local bank you know and trust for all your financial needs. Stop by your local First State Bank & Trust to explore all your financial options!

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