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First State Bank in Webster City, IA

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Webster City, IA's First State Bank at 505 2Nd St offers convenient retail banking services to the local community.

Data compiled from public sources

First State Bank Review

First State Bank operates a standalone branch at 505 2Nd St in Webster City, IA. This location serves as a convenient banking hub for Webster City residents and local businesses. Published hours are not available, so we recommend contacting the branch directly or visiting during typical business days and hours.

At this Webster City location, customers can access standard retail banking services including personal checking and savings accounts, deposits, and withdrawals. The branch is staffed to handle account inquiries and service requests. For specific details about available products or to discuss your banking needs, visit the 505 2Nd St location in Webster City, IA.

Webster City residents should bring valid photo identification when visiting for account-related services. Stop by when you need the support of in-person banking that digital channels cannot fully provide. First State Bank's presence in Webster City demonstrates commitment to serving the community's financial needs.

Services & Features

24-hour telephone banking
Account switch assistance program
Agricultural lending and farm services
Business banking and accounts
Electronic statements
FSB Alerts for account monitoring
Investment and retirement services
Mobile banking app and mobile wallet
Mortgage loans and home financing
Online banking and bill pay
Personal checking and savings accounts
Wire transfers and electronic funds transfer

Feature Checklist

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

Pros & Cons

Pros

  • Locally owned and independently operated with eight branch locations throughout Central Iowa for convenient access
  • FDIC-insured deposits backed by the full faith and credit of the U.S. Government
  • Comprehensive agricultural lending and services, serving farm owners and rural customers
  • Full-service digital banking including online bill pay, mobile wallet, mobile banking app, and 24-hour telephone banking
  • Personalized service with local decision-making authority and relationship-based banking model
  • Community commitment with active support for local schools, nonprofits, and infrastructure development
  • Investment and retirement services available alongside core banking products

Cons

  • Limited geographic footprint restricted to Central Iowa with only eight branch locations, unsuitable for customers needing nationwide access
  • As a regional community bank, may offer fewer listed financial products compared to national banking institutions
  • No mention of competitive interest rates, fee structures, or minimum account balance requirements on website
  • Limited information about loan approval processes, credit requirements, or lending terms for mortgages and business loans

State Consumer Finance Context

This is state-level context for Banks consumers in Webster City, 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 Personal checking and savings accounts, Business banking and accounts, Agricultural lending and farm services, Mortgage loans and home financing, Online banking and bill pay, and 7 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Central Iowa residents and businesses seeking relationship-based, personalized banking with local decision-makers, Agricultural customers and farm owners needing listed farm lending and rural financial services, Customers prioritizing community investment and supporting locally owned financial institutions, Small business owners in Central Iowa seeking business banking and lending with direct local relationships.

What are the strengths and weaknesses of First State Bank?

Key strengths: Locally owned and independently operated with eight branch locations throughout Central Iowa for convenient access; FDIC-insured deposits backed by the full faith and credit of the U.S. Government; Comprehensive agricultural lending and services, serving farm owners and rural customers. Areas to consider: Limited geographic footprint restricted to Central Iowa with only eight branch locations, unsuitable for customers needing nationwide access; As a regional community bank, may offer fewer listed financial products compared to national banking institutions.

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
1935
Headquarters
Webster City, IA
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #15321
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is best suited for Central Iowa residents and business owners who value personalized, relationship-based banking with local decision-making and community involvement. The main caveat is geographic limitation—the bank operates only eight locations in Central Iowa, making it unsuitable for customers requiring nationwide banking access or those relocating outside the service area.

Profile Signals

  • Central Iowa residents and businesses seeking relationship-based, personalized banking with local decision-makers
  • Agricultural customers and farm owners needing listed farm lending and rural financial services
  • Customers prioritizing community investment and supporting locally owned financial institutions
  • Small business owners in Central Iowa seeking business banking and lending with direct local relationships
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

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Quick Summary

  • First State Bank is listed as a Banks provider in Webster City, 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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