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Lender record

First State Bank and Trust

The real lending record — every figure from funded deals. HQ: 950 Highway 95 N, Bayport, MN. 4 branches.

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27

Recent deals (FY20+)

$97K

Typical deal

20 days

Approval → funding

Where First State Bank and Trust lends

Deals First State Bank and Trust funded — list all 27 as text

Deal profile

Most First State Bank and Trust deals land between $50K and $249K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Full-Service Restaurants (4)
  2. 2.General Automotive Repair (3)
  3. 3.Administrative Management and General Management Consulting (3)
  4. 4.Used Merchandise Retailers (2)
  5. 5.Beauty Salons (2)
  6. 6.Beer, Wine, and Liquor Retailers (2)
  7. 7.Other Clothing Stores (2)
  8. 8.Landscaping Services (1)

Most active states

  1. 1.Kansas (15 deals)
  2. 2.Wisconsin (6 deals)
  3. 3.Minnesota (5 deals)
  4. 4.Illinois (1 deals)

Franchises they finance most

Metal Supermarkets

2 deals

Can First State Bank and Trust fund you? The bank behind the loans

Total assets

$471.0M

▼ 0.5% vs prior quarter

Deposits on hand

$429.3M

▼ 0.2% vs prior quarter

Loans outstanding

$306.8M

▲ 2.8% vs prior quarter

Net income (latest qtr)

$1.9M

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes First State Bank and Trust more SBA-focused than 13% of the banks on our record.
  • •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
  • •Return on assets of 1.61% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a First State Bank and Trust branch (4)

First State Bank And TrustMain office950 Highway 95 NBayport, MN 55003 · since 1914

Oak Park Heights Branch5891 Neal Ave NOak Park Heights, MN 55082 · since 1998

Boutwell'S Landing - Town Square Branch5590 Norwich PkwyOak Park Heights, MN 55082 · since 2002 · limited service

Hudson, Wi Branch680 Annabelle WayHudson, WI 54016 · since 2021

Branch data: FDIC BankFind.

Recent deals

  • Bayport Auto Clinic LLC in Bayport, MN — $675K (2026) · purchase · General Automotive Repair
  • Premier Lawn Services, LLC in Tonganoxie, KS — $140K (2026) · Landscaping Services
  • St. Croix Automotive Head Office LLC in New Richmond, WI — $50K (2026) · Administrative Management and General Management Consulting
  • Mommy and Me, Inc in Topeka, KS — $135K (2025) · purchase · Used Merchandise Retailers
  • Shear Strength, LLC in Perry, KS — $131K (2025) · Beauty Salons
  • Zolo Plumbing LLC in Saint Paul, MN — $50K (2025) · Plumbing, Heating, and Air-Conditioning Contractors
  • Shear Strength, LLC in Perry, KS — $50K (2025) · Beauty Salons
  • Mommy and Me, Inc in Topeka, KS — $25K (2025) · purchase · Used Merchandise Retailers
  • 2CS Automotive LLC in New Richmond, WI — $400K (2024) · purchase · General Automotive Repair
  • Friedrich's Liquor Barn, LLC in Perry, KS — $276K (2024) · Beer, Wine, and Liquor Retailers

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with First State Bank and Trust.

Agent summary

This page summarizes First State Bank and Trust's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 27 SBA 7(a) loans on record
  • $97K typical deal
  • 8 business-acquisition loans
  • HQ: 950 Highway 95 N, Bayport, MN
  • 4 FDIC branch locations
  • FDIC total assets $471.0M

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/first-state-bank-and-trust
API:
https://www.capbench.com/api/public/lenders/first-state-bank-and-trust
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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