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First State Bank in Belmond, IA

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Belmond, IA's First State Bank at 304 E Main St offers local banking services and financial products to residents in the Belmond community.

Data compiled from public sources

First State Bank Review

First State Bank in Belmond, IA operates a branch at 304 E Main St, centrally located in Belmond's downtown district. This standalone facility serves the Belmond community with convenient access for residents and local businesses. The branch is easily accessible from the main commercial area and provides a professional banking environment.

At the Belmond branch, First State Bank offers a full range of banking services including checking accounts, savings accounts, personal loans, and mortgage services. Customers can speak with experienced bankers about their financial needs and explore products tailored to Belmond residents. The location at 304 E Main St is staffed with professionals who understand local banking requirements.

For Belmond, IA residents, having a full-service bank in town means convenient access to financial services without traveling to larger communities. When visiting the branch, bring your ID and relevant financial documents. First State Bank brings personalized banking solutions directly to Belmond.

Services & Features

Agriculture loans for farm operations
Business loans for inventory and building
FDIC deposit insurance
Mobile banking application
Online banking platform with username enrollment
Password reset and account recovery
Personal savings accounts
Value Checking accounts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC-insured deposits backed by U.S. Government listed refund term
  • listed agriculture financing tailored to farming operations
  • Mobile banking app for account access on-the-go
  • Online banking with account enrollment available
  • Value Checking account option for personal use
  • Business loans available for inventory and building purchases
  • Established community bank with routing number on file

Cons

  • Website provides no information on interest rates, APYs, or loan terms
  • No details on fees, minimum balances, or account requirements
  • Limited geographic reach as a small community bank may restrict access
  • No information about customer service hours or phone support
  • Minimal product comparison data to evaluate competitiveness

State Consumer Finance Context

This is state-level context for Banks consumers in Belmond, IA. It does not confirm that First State Bank or this specific location is licensed.

State regulator

Iowa Division of Banking

Key state rules to check

  • Payday loans capped at $500 with maximum fee of $15 per $100 for first $300 and $10 per $100 above.
  • Maximum payday loan term is 31 days.
  • Licensed delayed deposit services may not allow rollovers.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does First State Bank offer?

First State Bank offers 8 services including Personal savings accounts, Value Checking accounts, Online banking platform with username enrollment, Mobile banking application, Business loans for inventory and building, and 3 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Iowa residents and rural customers needing agriculture financing, Small business owners in the Belmond area seeking local lending relationships, Customers prioritizing FDIC insurance and traditional banking security, Agricultural operators requiring listed farm financing.

What are the strengths and weaknesses of First State Bank?

Key strengths: FDIC-insured deposits backed by U.S. Government listed refund term; listed agriculture financing tailored to farming operations; Mobile banking app for account access on-the-go. Areas to consider: Website provides no information on interest rates, APYs, or loan terms; No details on fees, minimum balances, or account requirements.

How does First State Bank compare to similar companies?

In the Banks category, comparable providers include American State Bank, American State Bank, American Trust and Savings Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1933
Headquarters
Belmond, IA
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #5791
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is profile signals for customers in rural Iowa seeking traditional community banking with FDIC protection and agricultural financing options. The primary caveat is the lack of published rate, fee, and term information online, requiring direct contact with the bank for pricing and competitive comparison.

Profile Signals

  • Iowa residents and rural customers needing agriculture financing
  • Small business owners in the Belmond area seeking local lending relationships
  • Customers prioritizing FDIC insurance and traditional banking security
  • Agricultural operators requiring listed farm financing
Updated 2026-05-08

Similar Companies

American State Bank logo

American State Bank

Regional bank operating in Iowa and South Dakota since 1913, offering checking, savings, mortgages, investments, and insurance through its parent company Ambank Company.

BBB: NR

Profile signals: Residents of Iowa and South Dakota communities served by American State Bank seeking full-service regional banking, Customers wanting integrated banking, investment, and insurance services from a single institution

American State Bank logo

American State Bank

American State Bank is a community bank offering FDIC-insured checking, savings, debit cards, online banking, and mortgage lending services across multiple Iowa locations.

BBB: NR

Profile signals: Residents of Osceola, Lamoni, Winterset, and surrounding Iowa communities, Customers who value personal relationships and local decision-making over branch convenience

American Trust and Savings Bank logo

American Trust and Savings Bank

Community bank in Lowden, Iowa offering personal checking, savings, loans, and digital banking since 1913 with emphasis on local relationships.

BBB: NR

Profile signals: Agricultural businesses and farmers seeking listed farm lending in Iowa, Small business owners in rural Iowa communities preferring local banking relationships

Compare Your Needs With First State Bank

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Quick Summary

  • First State Bank is listed as a Banks provider in Belmond, IA on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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