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First State Bank in Stuart, IA

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Stuart, IA's First State Bank branch at 215 N Division St offers in-person banking services to the local community.

Data compiled from public sources

First State Bank Review

First State Bank is located at 215 N Division St in downtown Stuart, IA. This branch serves as a full-service banking location for Stuart residents and visitors to the area. Hours of operation are available directly from the branch.

At this Stuart location, First State Bank offers standard banking services including account openings, deposits, withdrawals, and financial consultations. Contact the branch directly at their Stuart office to discuss specific services, loan products, or business banking options.

For Stuart residents managing personal or business finances, this Division Street branch provides convenient access to banking services with local customer service. Bring a valid government-issued ID for account matters. The Stuart branch is part of First State Bank's service to Iowa communities.

Services & Features

Bill pay services
Careers/employment opportunities
Certificates of Deposit (CDs)
Checking and savings accounts
Consumer loans with loan officer consultation
Credit cards
In-person banking at four locations
Loan payment processing
Mobile banking app
Mortgage services
Online banking platform with login and enrollment
Telebanking (phone banking)

Feature Checklist

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

Pros & Cons

Pros

  • Established institution operating since 1944 with demonstrated stability and regulatory compliance
  • Multiple physical branch locations (Stuart, Dexter, Redfield, Stuart Express) for in-person service
  • Dedicated loan officers available for consumer loan consultations at multiple locations
  • Comprehensive digital banking options including online banking, mobile app, bill pay, and telebanking
  • Full range of traditional banking products including checking, savings, CDs, credit cards, and loans
  • Community-focused institution with deep local roots and personalized banking relationships
  • Offers both consumer loans and mortgage services through their loan officer network

Cons

  • Limited geographic availability—only serves Stuart, Dexter, and Redfield, Iowa areas; inaccessible to most customers
  • Website provides minimal information about rates, fees, or competitive offerings compared to other banks
  • No indication of listed services like investment advisory, wealth management, or business banking prominence
  • Limited online presence and marketing compared to regional or national competitors
  • No transparency provided about APRs, minimum deposits, or specific loan terms on public website

State Consumer Finance Context

This is state-level context for Banks consumers in Stuart, 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 12 services including Online banking platform with login and enrollment, Mobile banking app, Bill pay services, Telebanking (phone banking), Certificates of Deposit (CDs), and 7 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Iowa residents in Stuart, Dexter, or Redfield seeking traditional community banking with local loan officers, Customers preferring face-to-face banking relationships and local decision-making over digital-only banks, Small business owners and farmers in the service area seeking relationship-based lending, Consumers seeking CD products and traditional savings vehicles with established community bank.

What are the strengths and weaknesses of First State Bank?

Key strengths: Established institution operating since 1944 with demonstrated stability and regulatory compliance; Multiple physical branch locations (Stuart, Dexter, Redfield, Stuart Express) for in-person service; Dedicated loan officers available for consumer loan consultations at multiple locations. Areas to consider: Limited geographic availability—only serves Stuart, Dexter, and Redfield, Iowa areas; inaccessible to most customers; Website provides minimal information about rates, fees, or competitive offerings compared to other banks.

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
1934
Headquarters
Stuart, IA
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #16177
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is profile signals for Iowa residents in the Stuart, Dexter, or Redfield area who value community banking relationships and local service over digital convenience or rate claims to verify. The main caveat is severe geographic limitation—this bank is only accessible to customers in specific Iowa communities, making it unsuitable for remote banking or customers outside their service territory.

Profile Signals

  • Iowa residents in Stuart, Dexter, or Redfield seeking traditional community banking with local loan officers
  • Customers preferring face-to-face banking relationships and local decision-making over digital-only banks
  • Small business owners and farmers in the service area seeking relationship-based lending
  • Consumers seeking CD products and traditional savings vehicles with established community bank
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 Stuart, 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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