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Serving our community because it's who we are.

Why First State Community Bank
COVID-19 Mortgage Relief

SAFHR - Mortgage Assistance to Homeowners

The State Assistance for Housing Relief (SAFHR) for Homeowners provides mortgage assistance for eligible Missouri residents who have been impacted by the COVID-19 pandemic. This program assists in preserving homeownership and creating housing stability by preventing foreclosure and displacement for Missourians in need through the U.S. Treasury’s Homeowner Assistance Fund (HAF).

Apply here
Homeowner Resource

Mortgage Calculators

Plug and play calculators to help you make an informed decision.

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Today's Rates

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Home Loan Rates

APR based on $120,000 loan amount/$150,000 value - 80% LTV | 740 mid-score| Primary, owner-occupied home.

Rates below are for purchase transactions and are current as of 06/30/2022

30- Year Conventional as low as 5.625% with an APR of 5.97%

5.625%
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Digital Tools

Bank from anywhere with FSCB's digital tools.

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Personal Banking

Open an Account

You can open and fund a checking or savings account online. Get started today.

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About FSCB

Why Bank with Us?

First State Community Bank's vision is to help each customer achieve financial success. It could be a new house, it could be starting a new business, or it could even be properly maintaining a checking account. Wherever you are on your journey, our tools and our team will be your guide.

Learn more
Local Roots

Local Roots

Since we opened our doors back in 1954, we’ve grown a lot, but we remain true to our roots.

What Matters to You Matters to Us

What Matters to You Matters to Us

You work hard, so we work hard—with personal service and a get-it-done mindset

Community-led Banking

Community-led Banking

Neighbor-to-neighbor banking—strong relationships are the foundation of our approach

FSCB Financial Resource Center

We help with financial know-how

We’re here to help you throughout your financial journey. Visit our resource center for helpful tips and tricks.

Blog

7 Money Management Tips to Improve Your Finances

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Guide

Staying the Course: Retirement Planning Strategies During Uncertain Times

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Video

4 Tips for Building an Emergency Fund Savings Account

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Guide

The Smart Homeowner’s Guide to Refinancing

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See what our customers have to say

Loan expert consults customer about his financial needs.

The main reason I would recommend First State Community Bank is the people. The people are truly amazing. They have surpassed our expectations on so many levels. They’re truly a partner with us.”

Don B.

I’d recommend First State Community Bank to everybody – not only personal, but small businesses and large businesses. The network of people and the resources they offer are unlike anybody else.”

Erin M.

I would describe First State Community Bank as supportive, dedicated, and professional.”

Ed B.

First State Community Bank has been a vital part in our business to help us get to where we are. When we started this whole endeavor, I really wanted a bank that we could connect with and have a real relationship with. Without them it would have been a tougher journey.”

Kevin P.

Our son is enrolled in the Junior Savers Club here at the bank, and he absolutely loves it. It’s teaching him the value of saving money and instilling a good ethic for later in life.”

Belinda H.

One of the decisions that played a key factor in switching to First State Community Bank is that when we need a loan, the decision is made in a quick, timely manner with the board here in this bank locally, not sent off to St. Louis or Kansas City.”

Matthew G.

Contributions that they have made during the school year just really drives home the belief that they in the community we serve.”

Leigh R.

Read our latest blog posts

Mobile Banking

Mobile and Online Money Transfers: Are They Safe?

Some days it feels like we never stop. Between budget meetings, Zoom calls, car pools,

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Financial Planning

How Do I Achieve Financial Freedom?

Financial freedom means different things to different people. For some, it means having

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Financing

Financing an Airbnb Property

With more than 12 million property listings around the world, Airbnb has become a major

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