HURRICANE IRMA UPDATE- We're Open! Our Key West Simonton St, N Roosevelt Blvd, and Winn-Dixie Offices, Stock Island Office, Summerland Key Office, Big Pine Key Office, Marathon Office, Islamorada Office, Key Largo Office, and Key Largo Tradewinds Plaza Office are open from 9am - 3pm M-F; and our Key West-Simonton St and N Roosevelt Blvd Drive-Thrus as well as our Key West Winn-Dixie and Key Largo Tradewinds Plaza Offices will be open Saturday 9am-1pm. At this time, ATMs are available at all First State Bank Offices.

All Online Banking services are available. All transactions are being processed normally. Publix Presto! ATMs are free to customers.
First State Bank is working to reopen all branches as quickly as possible to help our customers and neighbors pending restoration of vital services.

We're Here To Help! Call us today:
Balance & Account Information: 305-293-0000. Available 24/7
Loan Inquiries: 305-296-8535 or 954-447-8210. Mon-Fri 8 am-6 pm; Sat 9 am-1 pm
Deposit Account Inquiries: 305-296-8535 or 954-447-8222. Mon-Fri 8 am-6 pm; Sat 9 am-1 pm



Home Equity Loans

Make your home work for you. You've invested a lot in your home, don't you think it's time it gave something back? With a First State Bank Home Equity Loan or Line of Credit you can use the equity you've built in your home for expenses, purchases, or even home improvements to increase the value of your investment. Let us help you take full advantage of your house.
Call us today at 305-296-8535.


A Home Equity Line of Credit is a great way to get the funds you need for all kinds of life expenses. Apply just once for a revolving line of credit based on the equity in your home. Then whenever you need money, you can write yourself a check up to your approved credit limit. Use it for home improvements, college tuition, consolidating bills, or anything else you need.  In many cases, the interest may even be tax-deductible (please consult with your personal tax advisor). Call us today 305-296-8535


Every dollar you put into your home is an investment in your future.  How about letting your home itself fund your next round of improvements? A First State Bank Home Improvement/Home Equity Loan allows you to add a pool, remodel your kitchen, build a new master bedroom... the list goes on. You can also use the loan to pay for non-home-related expenses like tuition or bills. A Home Improvement/Home Equity Loan is all about quality of life. Use your existing assets to build your dream. Call us today 305-296-8535