Bank News

FSB Helps United Way Stuff the Bus

Jeff Smith, First State Bank’s Senior Vice President/Senior Lender, presents United Way of the Florida Keys Board Chair Maria Jones with a donation of $250 for Stuff the Bus 2018.  The annual program provides essential school   supplies such as backpacks and crayons, as well as important educational devices such as digital equipment, to Monroe County students in need.  For more information, or to donate, please visit

FSB Helps Key Largo Summer Rec Program End with a Splash

First State Bank recently donated $250 to provide supplies for the Key Largo School Summer Recreation Program’s end of camp water works celebration.

“It was First State Bank’s pleasure to contribute to the camp’s wet and wild day,” said Lori Bailey, Vice President/Commercial Lender for the Upper Keys. “The program’s teachers did a great job transforming the school’s field into a water park fully equipped with a giant slip and slide, water balloons and splash area with water sprayed by the Key Largo Volunteer Fire Department. We didn’t see one kid without a smile on their face.”

First State Bank Thanks Welch for 37 Years of Loyal Service

First State Bank congratulates Anita Welch, Vice President/Information Systems Officer, on her retirement after nearly four decades with the company.

Welch joined the Bank in 1981 in the New Accounts Department, was promoted to Computer Room Operator II in 1989, Computer Room Supervisor in 1991, Information Systems Officer in 1993, Assistant Vice President in 1995, and to her current role in 2001.  Throughout her tenure, Welch was instrumental in numerous projects including Y2K, a core conversion, and a server relocation.

First State Bank Congratulates Pierce on Tenth Anniversary

First State Bank congratulates Amy Pierce, Mortgage Loan Originator, on her tenth year with the Bank.

Pierce was hired as a Commercial Loan Processing Supervisor in 2008 and was promoted to Loan Administration Specialist in 2012.  Amy became a military spouse in 1995 and lived in various locations including Puerto Rico, Nashville and Atlanta where she worked in the real estate and closing industry until returning to her hometown of Key West.

First State Bank Welcomes Concepcion

First State Bank is proud to welcome Leslie Concepcion as Assistant Vice President/Branch Manager of their Simonton Street Office.

Concepcion joins the Bank with 28 years of banking experience, holding positions including Business Banker, Investment Advisor, Branch Manager, and Sales Manager, with a focus in Residential and Commercial Lending.

First State Bank Welcomes Bailey

First State Bank welcomes back Lori Bailey as their Vice President/Commercial Lender for the Upper Keys.

With 30-plus years of banking experience, Bailey first joined the Bank in 2006 as AVP/Commercial Loan Officer, was promoted to VP/Commercial & Residential Loan Officer in 2008, and VP/City Executive/Commercial & Residential Loan Officer in 2012.  She took a brief hiatus to be closer to her family in 2013, before the call of the Keys drew her back to us again.

First State Bank’s Naseiro Celebrates 25 Years

First State Bank congratulates Daisy Naseiro, Senior Vice President, Branch Administration Manager, on her twenty-fifth year with the Bank.

First State Bank Congratulates Ashby on Promotion

First State Bank of the Florida Keys congratulates Jermy Ashby, on his promotion to Assistant Vice President, Bank Legal Counsel.

“Jermy’s promotion and expanded responsibilities are a reflection of his legal knowledge and experience" said Gary Carney, EVP/Chief Credit Officer. “We are proud to promote him and look forward to his continuing contributions to the Bank.”

First State Bank Congratulates Gil on Promotion

First State Bank of the Florida Keys congratulates Michelle Gil on her promotion to Assistant Vice President, Branch Manager.

Gil has held many positions throughout her 17 year career with the Bank, including: Customer Service Support Representative, Operations Support Supervisor and IRA Specialist, Retail Branch Operations Team Representative, Assistant BSA Officer, Branch Manager/Customer Service Officer.  Gil is a Key West High School and Florida Keys Community College graduate and has lived in Key West for nearly forty years.

First State Bank Congratulates Cruz & Griffin

First State Bank of the Florida Keys is proud to announce the promotions of Lucy Cruz to BSA/AML Officer, and Laura Griffin to BSA Supervisor.

Cruz joined First State Bank in 2007 as Compliance Officer, and then in 2009 was promoted to Assistant Vice President. She has over twenty-five years of banking experience and has held a variety of positions including: Staff Accountant, Assistant Vice President and Domestic Operations/Network Administrator, Portfolio Servicing Manager and Assistant Vice President of Lending Administration.