We have been in business for 60 years as Fremont's only 100% locally-owned community bank. We began our work in Fremont in 1956 and take pride in the role we have played in the growth of our community. Moreover, we are deeply grateful for the trust and support we have received from you, our Customer and Friend, over the past half-century.
The 21st century brings many new and exciting changes to the banking industry. We could promise you that the continued emergence of internet banking will help you manage your money and conduct your banking 24-7. We could also share that products like Health Savings Accounts could change the face of health care spending. First State's vision, however, remains constant... continue to provide you with the highest level of customer service, the latest technology and innovative products.
We would like to share with you that our commitment to making Fremont a progressive and caring place to live and raise a family is of paramount importance to the Board of Directors, Officers and Staff of First State Bank & Trust Company. We have an unwavering dedication to take excellent care of our customers. We also have a strong tradition of supporting the Fremont Community. Our bank associates continue to be the people who volunteer in community churches and schools, serve on area boards and committees and participate in the leadership of Fremont. While it is impossible to represent all of the causes we care about, know that strengthening Fremont and its citizens is our focus.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night...
NMLS 1795154