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First State Bank in Irvington, KY

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Irvington, KY residents can access First State Bank at 240 N 1St St, a standalone branch offering local banking services.

Data compiled from public sources

First State Bank Review

First State Bank's Irvington, KY branch is located at 240 N 1St St, a convenient standalone location serving the local Irvington community. The branch operates from its physical location in the heart of Irvington, providing direct access to banking services for residents and local businesses. While specific hours are not currently published online, you can contact the branch directly to confirm current operating times.

At this Irvington location, First State Bank customers can handle standard banking needs including deposits, withdrawals, account inquiries, and financial consultations. Teller services are available to assist with routine transactions. For specific details about services or to ask questions before visiting, customers are encouraged to call the branch directly for the most current information and availability.

If you're an Irvington, KY resident looking for convenient local banking, First State Bank at 240 N 1St St provides personalized service right in your community. Bring your ID and any relevant documents when visiting the branch. First State Bank is committed to serving Irvington's financial needs with local experience context.

Services & Features

Bridge loans
Business banking accounts
Cash management services for businesses
Certificates of Deposit (CDs)
Construction financing
Debit cards with PIN management
Financial education and planning articles
In-branch and phone customer service
Insights financial management tool
Mortgage loans (purchase and refinance)
Online banking platform
Personal checking and savings accounts

Feature Checklist

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

Pros & Cons

Pros

  • Part of established First Breckinridge Bancshares network with seven banks across Kentucky and Southern Indiana
  • Competitive CD rates advertised (3.85% APY for 12-month, 3.42% APY for 7-month CDs)
  • Multiple physical branch locations for in-person banking and relationship management
  • Diverse lending products including mortgages, bridge loans, and construction financing
  • Free financial management tool (Insights) to help customers organize finances
  • Cash management services specifically designed for businesses of all sizes
  • Educational content and financial planning articles available to customers

Cons

  • Limited geographic footprint (Kentucky and Southern Indiana only) compared to national banks
  • Website lacks specific information about account fees, minimum balances, or interest rates on checking/savings accounts
  • No mention of credit card products, overdraft protection details, or mobile banking capabilities
  • Loan approval criteria, terms, and rates not transparently published on website
  • Limited details about online banking features beyond login access

State Consumer Finance Context

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

State regulator

Kentucky Department of Financial Institutions

Key state rules to check

  • Payday loans (deferred deposit transactions) capped at $500 with maximum $15 per $100 fee.
  • Borrowers limited to two outstanding payday loans at a time tracked via statewide database.
  • A mandatory 24-hour cooling-off period applies after the second consecutive loan.

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, Certificates of Deposit (CDs), Insights financial management tool, Mortgage loans (purchase and refinance), Bridge loans, and 7 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Kentucky and Southern Indiana residents seeking local banking relationships and personal service, Small to medium-sized businesses needing cash management and construction financing, Customers prioritizing branch access and phone support over digital-only banking, Homebuyers and refinancers in their service area looking for portfolio lenders.

What are the strengths and weaknesses of First State Bank?

Key strengths: Part of established First Breckinridge Bancshares network with seven banks across Kentucky and Southern Indiana; Competitive CD rates advertised (3.85% APY for 12-month, 3.42% APY for 7-month CDs); Multiple physical branch locations for in-person banking and relationship management. Areas to consider: Limited geographic footprint (Kentucky and Southern Indiana only) compared to national banks; Website lacks specific information about account fees, minimum balances, or interest rates on checking/savings accounts.

How does First State Bank compare to similar companies?

In the Banks category, comparable providers include 1st Trust Bank, Inc., American Bank & Trust Company, Inc., Bank of Buffalo. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1903
Headquarters
Irvington, KY
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #12149
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is profile signals for Kentucky and Southern Indiana residents who value local community banking relationships, personalized service, and branch access over digital convenience. The primary caveat is the lack of listed pricing and fee information on their website—prospective customers must contact the bank directly to understand account costs, minimum balances, and full loan terms.

Profile Signals

  • Kentucky and Southern Indiana residents seeking local banking relationships and personal service
  • Small to medium-sized businesses needing cash management and construction financing
  • Customers prioritizing branch access and phone support over digital-only banking
  • Homebuyers and refinancers in their service area looking for portfolio lenders
Updated 2026-05-08

Similar Companies

1st Trust Bank, Inc. logo

1st Trust Bank, Inc.

FDIC-insured community bank offering checking, savings, mortgages, personal and business loans, and mobile banking services through multiple branch locations.

BBB: NR

Profile signals: Customers seeking traditional banking relationships with in-person branch access combined with digital convenience, Small business owners needing equipment financing, expansion loans, or construction lending

American Bank & Trust Company, Inc. logo

American Bank & Trust Company, Inc.

Community bank in Bowling Green, Kentucky offering personal and business checking, savings, loans, mortgages, and digital banking services with 20+ years of local experience.

BBB: NR

Profile signals: Bowling Green area residents seeking personalized banking relationships with a local community bank, Small business owners and entrepreneurs in South Central Kentucky needing local loan and cash management support

Bank of Buffalo logo

Bank of Buffalo

Community bank serving LaRue County, Kentucky since 1901, offering checking, savings, mortgages, CDs, and agricultural lending with FDIC insurance and online banking.

BBB: NR

Profile signals: Kentucky residents in LaRue County seeking relationship-based banking with local decision-making, Agricultural customers needing livestock and equipment financing

Compare Your Needs With First State Bank

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Quick Summary

  • First State Bank is listed as a Banks provider in Irvington, KY 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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