A Message from the President




On behalf of our Board of Directors, Management and Staff, we welcome you to become a shareholder in 1st State Financial, Ltd. We believe investing in 1st State Bank is an investment in your community. Our banking professionals focus on providing financial services to businesses through a wide range of lending, deposit and financial services.

As a businessperson, you need a bank that supports the economic landscape of our community. 1st State Bank is a business like yours, growing to meet the needs of its customers. We invite you to grow with us, as a shareholder, supporting the bank through your investment. We will work hard to provide our shareholders a return on their investment and have several programs for investing in 1st State Financial Ltd.




Jim Milroy

President & Chief Executive Officer

1st State Financial, Ltd./ 1st State Bank