Commercial Loans

A better way to build your business. Loans are supposed to work for you, not against you. So First State Bank has created a variety of flexible lending options that are designed to help you finance company projects or expenses without all the anxiety. We want you to succeed. And we have loan options to help you do just that.


Finance projects the easy way. If your business needs money for new equipment, inventory, working capital or expansion, we can give you an answer right away. And, more often than not, that answer is yes. First State Bank is local and proud of it. We have a commitment to your business that no out-of-town bank can match.


Expand your business with a brand-new facility. Our commercial real estate loans will help you buy or refinance the new building or commercial investment property you've been wanting. Conquer new frontiers, and use one of our real estate loans to create a whole new outlook for your company. At First State Bank, there's no need to wait until tomorrow.


Take advantage of extra resources. Our commercial lines of credit provide for short-term or cyclical borrowings for your working capital needs. When you need some extra funds for your company, First State Bank’s lines of credit offer a convenient, workable solution. And we’re glad to offer flexible terms and options. What do you need most for your business? We’re ready to help you get it. 


Small Business Administration (SBA) loans provide businesses financing alternatives such as flexible terms of required borrower equity, working capital, and other factors designed to enhance the opportunity for success. The SBA loan program is utilized by long-standing businesses, start-ups, and everything in between. Visit the SBA page for more on information on 7(a), 504 loans, and many other SBA options.

The USDA Loan Guarantee program improves the economic health of rural communities by increasing access to business capital through loan guarantees. USDA loans enable commercial lenders to provide affordable financing to businesses looking to purchase real estate, equipment, or with working capital needs. Visit the USDA Business and Industry Loan Guarantee program for more information.

BENEFICIAL OWNERSHIP CERTIFICATION: To help the government fight financial crime, Federal regulation requires financial institutions to obtain, verify, and record information about the beneficial owners of most legal entity (business) customers.  A form must be completed by the person opening any new business account to include name, address, date of birth, and Social Security number (passport number or similar for non-US persons) for each individual who owns 25% or more of the equity of the legal entity, as well as for an individual who manages the business. Please contact a FSB representative at any branch for appropriate forms or additional details.