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Loans Services

Agricultural Loans

First State Bank has been providing financing for agriculture since 1903. If you need operating loans for working capital, intermediate term loans for capital purchases, or long term financing for real estate purchases, this should be your bank.

Commercial Loans

Whether your business needs a construction loan, is purchasing an existing building or looking to refinance an existing commercial real estate loan, we can customize a loan that will help you meet your business goals. If you need to make needed capital purchases, consolidate debt, or simply adjust your intermediate debt to match your cash flow, our structured term loans can help. We'll work with you to find the most advantageous terms. We also offer SBA loans.

Personal Loans

Need to consolidate your bills into one easy payment? Maybe you need some short term money until you get your tax refund. Even if you need some funds for that special family vacation, give us a call. We can structure your request to your income stream. Monthly pay or single pay - we'd love to help!

Vehicle Loans

Is it finally time for a new automobile or truck for the family? Stop in and see us, set up the financing, then go to the dealer. You're sure to get yourself the best possible deal. Shop around if you like, but you'll find our rates to be some of the most competitive.

Home Improvement Loans

Looking for an easy way to increase the value of your home? How about a home improvement loan? You make yourself popular at home, increase the value of your residence, and get all the tax benefits. It's the best of everything. Let us know how we can help!


Perhaps we've forgotten something? Loans for college tuition, a family emergency, or an unexpected bill can make life difficult. If a short-term loan, for practically anything, can make life easier, please give us a call.

Real Estate Loans

If you are looking for a real estate loan to purchase a home, farmland, or other real estate, look no further than First State Bank. Our terms are flexible and we'll give you a quick answer to your loan request. We'll do our very best to provide you with a plan you'll like. We offer financing for all of the following:

  • Purchase
  • Refinance
  • Construction
  • Conventional
  • Fixed Rate Balloon Loans
  • Adjustable Rate Mortgages
  • FHA
  • VA*
  • USDA Rural Development*
  • HUD 184 Native American Programs*
  • Other*

*Offered through First State Bank Subsidiary: American Mortgage Bank