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Lending

Helping You Lay the Foundation for Your Business

We’re proud to offer agricultural and commercial loans to help customers start or expand their business ventures. Compare your options below and call your local First State Bank branch to start the loan application process.

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Loans We Offer

  • Working Capital
  • Opening Line of Credit
  • Livestock
  • Inventory
  • Equipment
  • Facility improvement
  • Real Estate

Your Business Lending Experts

Talk to one of our team members who specialize in agricultural and small business loans. Our friendly experts will walk you through the process from application to approval and ensure that you get the loan you need to make operations run smoothly.

Our experienced staff also provides access to these loan programs:

  • Farm Service Agency
  • Rural Development Community Facilities
  • Rural Development Business and Industry
  • Farmer Mac
  • Small Business Association
  • Beginning Farmer Programs

Farm Bookkeeping Service

Ag Count is a record keeping service that First State Bank can provide for your farm, production and expenses. Each month as the bank provides you with your bank statement, our staff will post the checks on our computer and send you a monthly reconciliation along with a print out of the income and expenses. It’s easy, you can take advantage of our service, all you need to do is write the purpose of the check in the memo and we put it in the category that best fits. The income and expense categories are specialized for each individual operation. First State Bank can also print out for your tax preparer a tax estimate report, expense category report and a cash flow of income and expenses. Ask your Ag Loan Officer for more information.

 

Your Lending Experts

Talk to one of our team members who specialize in consumer and residential real estate loans. Our friendly experts will walk you through the process from application to approval and ensure that you get the loan you need to accomplish your personal goals.

  • Battle Creek

  • Allen Fitch

    Vice President & Battle Creek Branch Manager

    Divisions: Ag & Commercial Lending, Consumer Lending

    Phone: (712) 365-4341

  • Marshall Lundt

    Vice President

    NMLS: 488561

    Divisions: Ag & Commercial Lending, Consumer Lending, Real Estate Lending

    Phone: (712) 365-4341

  • Danbury

  • Kristine Skow

    Vice President & Danbury Branch Manager

    NMLS: 488557

    Divisions: Ag & Commercial Lending, Consumer Lending, Real Estate Lending

    Phone: (712) 883-2161

  • Mark McConnell

    Vice President

    Divisions: Ag & Commercial Lending, Consumer Lending

    Phone: (712) 883-2161

  • Ida Grove

  • Jeffrey Kelley

    President & Trust Officer

    NMLS: 488560

    Divisions: Ag & Commercial Lending, Consumer Lending, Real Estate Lending, Trust Services

    Phone: (712) 364-3181

  • Rita Frahm

    Vice President

    Divisions: Ag & Commercial Lending, Ag & Commercial Real Estate Lending, Consumer Lending

    Phone: (712) 364-3181

  • Lydia Peterson

    Vice President

    NMLS: 477181

    Divisions: Consumer Lending, Real Estate Lending

    Phone: (712) 364-3181

  • Mapleton

  • Shelly Boyle

    Vice President & Mapleton Branch Manager

    NMLS: 488559

    Divisions: Ag & Commercial Lending, Consumer Lending, Real Estate Lending

    Phone: (712) 881-2161

  • Odebolt

  • Mark McConnell

    Vice President

    Divisions: Ag & Commercial Lending, Consumer Lending

    Phone: (712) 883-2161

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