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First State Bank in Mendota, IL

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Mendota's First State Bank branch at 706 Washington St offers full-service banking for IL residents and local businesses.

Data compiled from public sources

First State Bank Review

First State Bank operates a standalone branch at 706 Washington St in the heart of Mendota, IL, serving the community with convenient banking access. This Mendota location provides a professional environment for banking needs, with staff available to assist with transactions and account services during business hours.

The Mendota branch offers standard banking services including deposits, withdrawals, account management, and financial products tailored for personal and business customers. For specific details on available services or to reach the branch directly, contact First State Bank through their main office to confirm current offerings at this location.

For Mendota residents seeking reliable local banking, this Washington St location provides in-person service with trained banking professionals. Bring your ID and relevant documents for account services, deposits, or loan inquiries. First State Bank is committed to supporting Mendota's community with dependable financial services.

Services & Features

Agriculture Loans and Farm Machinery Loans
Business Checking and Business Savings with Account Analysis services
Certificates of Deposit (CDs) and IntraFi Network Deposits (CDARS and Insured Cash Sweep)
Commercial Real Estate Loans and Business Term Loans
Home Mortgage Loans and Home Equity Lines of Credit (HELOC)
Home, Auto, Life, Health, Commercial, and Farm Insurance products
Individual Retirement Accounts (IRAs) and Health Savings Accounts (HSAs)
Personal Checking Accounts (FSBPremier, FSBStudent, FSBChecking, FSBPlus)
Personal Loans and Auto Loans (including Quilo lending platform)
Personal Savings Accounts and Money Market Accounts
Personal and Business Credit Cards
Treasury Management including Online Banking, ACH Services, Check Positive Pay, and Remote Deposit Capture

Feature Checklist

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

Pros & Cons

Pros

  • FDIC-insured deposits with full faith and credit of U.S. Government backing
  • listed VISTA Club membership for customers 50+ with travel programs
  • IntraFi Network Deposits (CDARS and Insured Cash Sweep) for expanded deposit protection beyond standard FDIC limits
  • Comprehensive agricultural lending products including Farm Machinery Loans and Agriculture Loans
  • 24/7 banking availability through Online Banking and Mobile App even during branch closures
  • Multiple listed checking accounts designed for different customer needs (Student, Premier, Plus)
  • Integrated insurance services including home, auto, life, health, commercial, and farm coverage

Cons

  • Geographic limitation to Northwestern and Central Illinois only—no service for customers outside this region
  • Website provides minimal transparency on specific APY rates, APR rates, or fee structures (must contact bank directly)
  • Limited information about loan approval times, credit requirements, or specific loan amount ranges beyond personal loans

State Consumer Finance Context

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

State regulator

Illinois Department of Financial and Professional Regulation

Key state rules to check

  • The Predatory Loan Prevention Act (2021) caps all consumer loans at 36% APR including fees.
  • Traditional payday loans are effectively eliminated due to the 36% cap.
  • The Consumer Installment Loan Act regulates installment lending with additional protections.

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 12 services including Personal Checking Accounts (FSBPremier, FSBStudent, FSBChecking, FSBPlus), Personal Savings Accounts and Money Market Accounts, Certificates of Deposit (CDs) and IntraFi Network Deposits (CDARS and Insured Cash Sweep), Individual Retirement Accounts (IRAs) and Health Savings Accounts (HSAs), Home Mortgage Loans and Home Equity Lines of Credit (HELOC), and 7 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Small business owners and entrepreneurs in Northwestern and Central Illinois seeking comprehensive lending and treasury management, Farmers and agricultural operators needing listed farm and machinery financing, Customers 50+ seeking community bank relationships with listed products like VISTA Club.

What are the strengths and weaknesses of First State Bank?

Key strengths: FDIC-insured deposits with full faith and credit of U.S. Government backing; listed VISTA Club membership for customers 50+ with travel programs; IntraFi Network Deposits (CDARS and Insured Cash Sweep) for expanded deposit protection beyond standard FDIC limits. Areas to consider: Geographic limitation to Northwestern and Central Illinois only—no service for customers outside this region; Website provides minimal transparency on specific APY rates, APR rates, or fee structures (must contact bank directly).

How does First State Bank compare to similar companies?

In the Banks category, comparable providers include 1Nb Bank, 1st Community Bank, American Metro Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1940
Headquarters
Mendota, IL
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #15752
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is profile signals for individuals and businesses located in Northwestern and Central Illinois seeking a full-service regional bank with FDIC insurance, community focus, and listed products like agricultural lending and senior programs. Primary caveat: geographic limitation restricts access to customers only in Northwestern and Central Illinois, and the website lacks listed rate and fee information requiring direct contact for pricing details.

Profile Signals

  • Small business owners and entrepreneurs in Northwestern and Central Illinois seeking comprehensive lending and treasury management
  • Farmers and agricultural operators needing listed farm and machinery financing
  • Customers 50+ seeking community bank relationships with listed products like VISTA Club
Updated 2026-05-08

Similar Companies

1Nb Bank logo

1Nb Bank

1NB Bank is a regional community bank operating multiple branches in Illinois, offering checking, savings, loans, and debit card services with emphasis on local presence and security.

BBB: NR

Profile signals: Customers in central Illinois seeking traditional banking with local branch relationships, Small business owners needing commercial banking services with direct bank relationships

1st Community Bank logo

1st Community Bank

Community bank chartered in 1920 offering FDIC-insured deposit accounts, loans, and mortgage services with local decision-making and personalized service.

BBB: NR

Profile signals: Farmers and agricultural businesses needing listed farm financing, credit lines, and equipment loans, Small business owners in the bank's service communities seeking local decision-making on commercial loans

American Metro Bank logo

American Metro Bank

FDIC-insured community bank offering personal and business checking, savings, CDs, mortgages, loans, and debit card services with ATM access.

BBB: NR

Profile signals: Small business owners seeking local relationship banking and commercial lending, Customers prioritizing FDIC insurance and traditional brick-and-mortar banking with branch access

Compare Your Needs With First State Bank

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Quick Summary

  • First State Bank is listed as a Banks provider in Mendota, IL 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.

Financial Wellness Guides

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