Part of the First State Bank chain · locations
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First State Bank in Britt, IA

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Britt, IA's First State Bank branch at 183 Main Ave N offers personal and business banking.

Data compiled from public sources

First State Bank Review

First State Bank operates a full-service branch at 183 Main Ave N in Britt, IA. This standalone location serves the central Britt community and surrounding areas.

The Britt branch offers a range of banking services including checking and savings accounts, personal loans, business lending, and more. Contact the branch or visit during business hours to discuss your financial needs with a banker.

For Britt residents and local businesses, this Main Ave N location is your neighborhood bank. Bring your ID and any relevant account documentation when opening accounts or applying for services. First State Bank has been serving Iowa with community-focused banking.

Services & Features

ATM access and cash withdrawal services
Account security tips and fraud protection resources
Certificates of deposit (CDs)
Check reordering services
Commercial and consumer loan origination
Financial calculators and rate information
Multiple checking account options
Online banking enrollment and digital access
Personalized financial counseling from local banking staff
Savings accounts and deposit products

Feature Checklist

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

Pros & Cons

Pros

  • Locally-made lending and account decisions — customers can speak directly to decision-makers rather than dealing with centralized underwriting
  • Independent bank status — not part of a megabank or holding company, allowing for community-focused priorities
  • Established 67-year history serving North Central Iowa with institutional knowledge and local relationships
  • Two physical branch locations in Britt and Woden for in-person banking and relationship building
  • Online banking platform available for digital account access and management
  • Staff participation in community organizations (Lions Club, school boards, area development)
  • Personalized service model emphasizing customer recognition and individual financial counseling

Cons

  • Limited geographic footprint restricted to Britt and Woden, Iowa — not suitable for customers requiring multi-state banking
  • Small asset base ($125 million) may limit lending capacity for large commercial loans or credit lines
  • Website and digital offerings appear basic compared to larger regional and national banks
  • Limited information on specific account features, fee structures, or competitive interest rates
  • No mention of investment services, wealth management, or advanced financial products available at larger institutions

State Consumer Finance Context

This is state-level context for Banks consumers in Britt, 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 10 services including Multiple checking account options, Savings accounts and deposit products, Certificates of deposit (CDs), Commercial and consumer loan origination, Online banking enrollment and digital access, and 5 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Residents of Britt and Woden, Iowa seeking relationship-based banking with local decision-makers, Small business owners in North Central Iowa who value direct access to lending officers, Customers prioritizing community investment and local economic participation over national bank convenience, Individuals seeking personalized financial counseling and account management from known banking professionals.

What are the strengths and weaknesses of First State Bank?

Key strengths: Locally-made lending and account decisions — customers can speak directly to decision-makers rather than dealing with centralized underwriting; Independent bank status — not part of a megabank or holding company, allowing for community-focused priorities; Established 67-year history serving North Central Iowa with institutional knowledge and local relationships. Areas to consider: Limited geographic footprint restricted to Britt and Woden, Iowa — not suitable for customers requiring multi-state banking; Small asset base ($125 million) may limit lending capacity for large commercial loans or credit lines.

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
1927
Headquarters
Britt, IA
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #8522
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is best suited for residents and small business owners in Britt and Woden, Iowa who prioritize relationship banking and local decision-making over the convenience and product breadth of larger regional or national banks. The primary caveat is severe geographic limitation — this bank only serves two small Iowa towns and is not an option for customers requiring multi-state access or those relocating outside the service area.

Profile Signals

  • Residents of Britt and Woden, Iowa seeking relationship-based banking with local decision-makers
  • Small business owners in North Central Iowa who value direct access to lending officers
  • Customers prioritizing community investment and local economic participation over national bank convenience
  • Individuals seeking personalized financial counseling and account management from known banking professionals
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 Britt, 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.
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