FDIC-Insured — Backed by full faith and credit of the U.S. Government

    Power Your Business with FSCB

    Local support and local solutions with a dedicated team to help find the best options for your unique needs.

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    Business Checking

    Business Checking

    We have both business and commercial account options designed for businesses of different sizes, with different average transaction volumes, as well as lots of perks.

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    business savings

    Business Savings

    Business Savings

    Our savings accounts are flexible money market options designed to fit your business needs. Choose the account that aligns with your savings goals, balances, and growth ambitions—so your money works harder for you.

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    Business Loans

    Business Loans

    We have custom loans designed for any business and any need that you might have. Whether it is expansion, or cash flow, or equipment purchases (and more) we have you covered.

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    Agriculture

    Agriculture

    We have a team of experienced agricultural lenders available to help with your custom needs. Whether you're planning for new equipment, expanding your land, or managing seasonal cash flow, we are here to help.

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    Veterinary Program

    Veterinary Program

    Whether you are just starting out or looking to enhance your practice, FSCB has loan options that will make sense for you.

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    Municipal, School Districts, & Public Entities

    Municipal, School Districts, & Public Entities

    You need a lender that you can rely on and trust. With our 70+ years servicing local communities, we understand this better than most and are here to help.

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    Business Solutions

    Business Solutions

    Our solutions make running your business that much easier. Whether it is banking, bookkeeping, financial planning and management or insurance, our team is here to help.

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    Digital Banking

    Digital Banking

    Step into the digital world with ease. Our digital banking solutions focus on transparency and ease of use, along with a dedicated team to help with any challenges along the way.

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    What Our Customers Say

    Bob H.
    The Ground A-bout

     “They often want to work with us to figure out a way, through problems and over obstacles. I can't speak highly enough about the access that I have to all departments within the bank that help us at every level. I would say that I suggest if you run into a problem or an issue or even a concern of how to improve or expand your business, you absolutely need to give First State Community Bank a chance.” 

    Kayla Y.
    Juste Moi Yoga and Spa 

     “What's really cool about First State Community Bank is you can look at them as a one stop shop because you go in there and not only did you just attain a business loan or commercial building loan. Got what really those are called they can also hook you up with some insurance. They can hook you up with a financial advisor. and again, you're not judged with what you don't know because it's their job to teach it to you. And so they really are well-rounded when it comes to all that knowledge of everything, and being a place where you can go to. And it's all right there.” 

    Jimmy W.
    The Chateau Girardeau 

     “The relationship and the trust that I have in our local banks, specifically First State Community Bank, is what is making us successful today and will make us successful as we go into the future. We can't do business alone. We have to have relationships. We have to have partners. And our partnership with First State Community Bank is affording us the opportunity to look into the future and be able to make the plans that we know we need for our residents in order to be able to get them there and to get us there and to have a bright future.” 

    Brooke B.
    Personal Expressions

     “The wonderful thing about First State Community Bank is that I can make a text. I can make a phone call. I know I'm going to speak to a person that I know, and they're going to take care of my situation. So if they can't, immediately they're going to, send that situation to somebody else and it's going to be answered.” 

    Tim G.
    Notre Dame High School

     “And the team at First State Community Bank has been fantastic. and working with us, for, these corporate credit cards and any time there are, suspicious activity, they call us up and ask us, you know, if if we had purchased that, which is just a great feeling of security here at the high school, knowing that, that we've got a bank that's working with us and knows us, for everything, that we're trying to do as a school.” 

    Kevin D. 
    Kevin Dewitt Equipment

     “They took a chance on me. And, I had other people want me to go other places. And I said, No, I won't I'm going to stay here because, you know, this man helped me start my business. Yeah. First state community Bank is the reason that they helped us grow into what we have today. They helped us build our business to where it is. And, they like to help local people, and they like to see you do good. And, that's the reason that we're here.” 

    Kayla Y.
    Juste Moi Yoga and Spa 

     “First State Community Bank, they were so welcoming right off the bat. Whenever I walked into their doors, I mean, smiling faces. They were kind of like my business in a way where it's completely non-judgmental. They didn't just look like, okay, about how much money you had to put in the bank account. They just looked at this person, who walked into our doors to ask us for business.” 

    Bob H.
     The Ground A-bout 

     “I could in no way operate, expand, or improve my business without the relationship I keep with First State Community Bank. So every avenue that I explore involves using them as a tool and as an asset and a resource as we move forward through growth and expansion.” 

    Tim G.
    Notre Dame High School 

     “We are able to, integrate, first state community banks, online banking platform to, to allow us to, to keep up with our finances, allow us to do, tuition payments through, through ACH, which is just a huge benefit for the school, and allows, time saving on the part of our bookkeeping, our accounting office.” 

    Kayla Y.
    Juste Moi Yoga and Spa 

     “When you go to first a community bank, they know you more because they are within your community and they see the work that you do within your community and how you give back. And they have already got an idea of who you are and what you're about and what you're trying to dream about doing and, and make happen. And they make that happen for you. I mean, as long as you can prove it to them, they are going to prove it to you that they are your bank.” 

    Brooke B.
     Personal Expressions 

     “I mean, the fact that first state community bank employees know my name, know my account, answer any of my questions is just a godsend when it comes to banking. It is so easy. and that is not something that I've had in the past with using the big box banks. And so using somebody local if, if other store owners or business owners do not use somebody local, I would definitely encourage them to jump on first state community Bank because those people, those people will help you.” 

    What our customers say

    John Smith
    Horizons checking

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    John Smith
    Horizons checking

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    John Smith
    Horizons checking

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    John Smith
    Horizons checking

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    John Smith
    Horizons checking

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    John Smith
    Horizons checking

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    John Smith
    Horizons checking

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    John Smith
    Horizons checking

    Lorem ipsum dolor sit amet, consectetur adipiscing elit. Phasellus commodo justo vitae euismod egestas. Donec quis cursus est. In pulvinar neque consectetur, volutpat risus vel, posuere nunc.

    John Smith
    Horizons checking

    Lorem ipsum dolor sit amet, consectetur adipiscing elit. Phasellus commodo justo vitae euismod egestas. Donec quis cursus est. In pulvinar neque consectetur, volutpat risus vel, posuere nunc.

    John Smith
    Horizons checking

    Lorem ipsum dolor sit amet, consectetur adipiscing elit. Phasellus commodo justo vitae euismod egestas. Donec quis cursus est. In pulvinar neque consectetur, volutpat risus vel, posuere nunc.

    John Smith
    Horizons checking

    Lorem ipsum dolor sit amet, consectetur adipiscing elit. Phasellus commodo justo vitae euismod egestas. Donec quis cursus est. In pulvinar neque consectetur, volutpat risus vel, posuere nunc.

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