Where is First State Bank and Trust located?

First State Bank and Trust is located at 950 N Hwy 95, BAYPORT, MN 55003.

How can I contact First State Bank and Trust?

You can contact First State Bank and Trust by phone at (651) 439-5195.

First State Bank and Trust

About

First State Bank and Trust is a community-owned bank serving the St. Croix Valley since 1914, offering comprehensive financial services including banking, mortgages, trust, and insurance across multiple locations in Minnesota and Wisconsin.

1914

Founded

Reviews & Ratings

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SBA 7(a) Lending Analytics

SBA 7(a) Acquisition Loan Data As Of June 30, 2025

SBA Acquisition Loan Activity

Last 12 Months

1

Last 3 Years

2

YoY Growth

Data not available

Loan Size Distribution

As Of June 30, 2025

Median

$502K

Average

$502K

Interest Rate Analysis

All rates shown as spread over Prime Rate

Rate Distribution

Median Rate:Prime + -0.50%

Typical Range:Prime + -0.50% - -0.50%

Min / Max:Prime + -0.50% / -0.50%

Market Comparison

This Lender

Prime + -0.50%

Market Average

Prime + 1.25%

175 bps better market

Default Rate & Risk Profile

As Of June 30, 2025 - 10-year default rate indicates underwriting quality

10-Year Default Rate

0.0%

Bottom 10% of Lenders (Highest Default Rate)

Performance Ranking

100th

Lower is better among all lenders

Geographic Loan Distribution

As Of June 30, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High