About First State Bank | Local Iowa Community Bank Since 1935

Since opening our doors in 1935, First State Bank has been committed to helping individuals, families, businesses, and agricultural customers achieve their financial goals. As a locally owned, independent community bank, we believe banking is about more than transactions—it's about building relationships, investing in our communities, and making decisions locally by people who understand the communities we serve.

Over the years, First State Bank has grown through strategic expansion while remaining true to our hometown values. Today, we proudly serve customers across Central and Northern Iowa with convenient banking locations, experienced local professionals, innovative technology, and personalized financial solutions.

Growing to Serve You Better

On September 21, 2026, First State Bank proudly welcomed the customers, employees, and communities of NorthStar Bank and NorthStar Insurance Agency into the First State Bank and Town & Country Insurance family. This merger expanded our footprint into Estherville and Armstrong, strengthening our ability to serve more communities while preserving the local relationships customers have come to trust.

The merger represents a shared commitment to community banking—combining two organizations with similar values, local decision-making, and a passion for supporting the communities where we live and work. Customers continue to enjoy the same familiar faces, expanded products and services, enhanced technology, and the financial strength of one of Iowa's leading independent community banks.

More Than Banking

First State Bank offers a complete range of financial services, including:

  • Personal Banking
  • Business Banking
  • Agricultural Banking
  • Mortgage Lending
  • Commercial Lending
  • Wealth Management
  • Digital & Mobile Banking
  • Insurance Services through Town & Country Insurance

Whether you're opening your first savings account, financing your dream home, growing your business, or planning for retirement, our experienced team is here to help every step of the way.

Rooted in Community

Community involvement has always been at the heart of who we are. Our employees volunteer countless hours each year, supporting local schools, nonprofits, economic development initiatives, youth programs, community events, and charitable organizations. We believe strong communities create strong businesses, and we're proud to give back to the places we call home.

Looking Ahead

While we've grown significantly since 1935, our mission remains unchanged: to provide exceptional customer service, trusted financial guidance, and local decision-making that puts our customers first. As we continue to grow, we'll never lose sight of what makes us different—a commitment to treating every customer like a neighbor.

First State Bank. First for You.