First State Bank and Trust (FSBT) Employee Directory
BankingIllinois, United States11-50 Employees
First State Bank and Trust is a community banking institution based in Monticello, Illinois. It operates as a 100% employee-owned company, a structure described as rare in the banking industry. Industry observers have noted that only a small number of banks share this ownership model, a factor the bank ties to a long-term, relationship-focused approach to serving customers. The ownership model is intended to support flexibility in meeting clients' financial needs and to attract capable staff dedicated to reliable, responsive service. Recent developments include plans announced in March 2026 to acquire Senath State Bank in Missouri, signaling expansion beyond its current market.