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Personal Overview


At First State Bank and Trust, we provide the convenient products and services you want, and the exceptional customer service you deserve.

We have a variety of Checking Accounts for every stage of your life

Take advantage of our Savings Accounts to make the most of your earnings

Loans can help make your dreams a reality

Protect and manage your money with a variety of Conveniences

There is never a need to go to another financial institution - we have many non-traditional bank services**:

  • If your goal is to achieve a comfortable financial future, talk to our Trust Services Department. They guide clients through retirement saving, investment strategies, trust services and estate management
  • For complete personal insurance coverage contact our subsidiary, Valley Agencies
  • Our in-house investment expert, Hanzlik Investment Services*** can help you develop  a strategy to reach your financial goals. Through an alliance with Securian Financial Services, Inc., and CRI Securities, Inc., Rich Hanzlik offers a wide variety of investment products, including mutual funds, variable annuities, and insurance products

*Standard mobile carrier charges apply.

**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.

***Registered Representative, Securian Financial Services, Inc. & CRI Securities, Inc., Securities Dealers, Members NASD/SIPC. North Star Resource Group is made up of North Star Consultants, Inc., Marathon Advisors, Inc., and CRI Securities, Inc. CRI Securities, Inc. is affiliated with North Star Consultants, Inc., Marathon Advisors, Inc., and Securian Financial Services, Inc. Securian Financial Services, Inc. operates under separate ownership from North Star Consultants, Inc. and Marathon Advisors, Inc. Hanzlik Financial is independently owned and operated. Investment and variable products and fee-based investment advisory services from this representative are available only to residents of Florida, Minnesota, Wisconsin and Iowa.