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BANK LOCAL

Here to Stay, Here to Serve

Banking That Puts People First

When big banks leave, you can count on First State Bank and our continued commitment to the community. We first opened our doors in Macomb County in 1917, and since then, we’ve grown alongside the families and businesses that make this community home.

With branches in Macomb and Oakland Counties, we’re more than just a bank—we’re your neighbors.

Banking Local Matters

Banking local helps fuel the local economy. When you bank with us, your deposits stay local and help your neighborhood grow. Loans go to local small businesses, homeowners, and groups that need help. You get peace of mind knowing your money builds a stronger community.

The bigger banks operate differently. Deposits are pooled into a national balance sheet, leaving the county. Will money get invested back into your community? Well, only if it's a high-return market for them. Decisions are made by formulas at far away headquarters, instead of a local team who understands the local market.

When you bank local, you're more than a number. You're a neighbor, and a valued customer, with a team of local bankers committed to helping you make the most of your finances.

About Us>Why Bank Local

For a Limited Time

4.15% APY*
4-Month CD

$10,000 Minimum to Open (New money only)

A lot is going on in the market, but saving doesn’t have to be complicated. No matter what you’re saving for, we’ll get you there. Open your account online or stop by the FSB branch nearest you!

4.15% APY Annual Percentage Yield 4-Month CD

Our Anniversary Gift to You

4.00% APY**
For balances $50,000+
Anniverary Money Market Special

In celebration of our anniversary, we’re offering a special Money Market special, to boost your savings and strengthen your future. Stop by a branch or open your account online.

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What Customers Say About First State Bank

When people choose First State Bank, they're not just opening an account; they're joining a community that puts relationships first. Our customers consistently tell us they appreciate our friendly service, knowledgeable team, and genuine commitment to helping them reach their financial goals. Whether they've been with us for decades or recently made the switch, their stories reflect what makes FSB different: local decision-making, personalized support, and people who truly care.

Angela Bos

Harper Branch

This has been a family bank my whole life! Tellers are so friendly.

Grace LoMedico

Chesterfield Branch

Jeanine Starnes and Maria Moss: extremely helpful and very experienced. Customer-focused and knows the business. Deserves a raise!

D. Taormina

Richmond Branch

Great location; everyone is always friendly and willing to help. 

Mike Searing

Hayes Branch & Loan Center

David Scott and his support team at First State Bank did a great job facilitating our bridge loan to purchase our new home. We were not familiar with FSB, but our research made us confident in doing business with them. We are glad we did.

We're Here For You

Meet the managers of our First State Bank branches. Here to assist you and available to meet with you to find out how we can best help you reach your financial goals.

 Natalie Boivin Photo
Natalie Boivin
Branch Manager
NMLS #1698056
Clinton Township: Groesbeck
Sarah Boyle Photo
Sarah Boyle
Branch Manager
NMLS #1124249
Michelle Emphrey Photo
Michelle Emphrey
Branch Manager
NMLS #2329230
St. Clair Shores: Mack
Lori Grimsley Photo
Lori Grimsley
Branch Manager
NMLS #1193166
St. Clair Shores: Harper
Shelly Huntley Photo
Shelly Huntley
Branch Manager
NMLS #630759
Sterling Heights
Tonya Marbly Photo
Tonya Marbly
Branch Manager
NMLS #751935
Eastpointe: 9 Mile
Jackie McDonnell Photo
Jackie McDonnell
Branch Manager
NMLS #1171725
Maria Moss Photo
Maria Moss
Branch Manager
NMLS #847608
Chesterfield Township
Marie T. Pollizzi Photo
Marie T. Pollizzi
Branch Manager
NMLS #1680916
Laura Ruggirello Photo
Laura Ruggirello
Branch Manager
NMLS #1284282
Clinton Township: Hayes & Loan Center
Heather Williams Photo
Heather Williams
Branch Manager
NMLS #2160040
Washington Township

How Can We Assist You?

We're here to help! Need more information? Have a question? Fill out the form below and we'll get back to you promptly.

We're Here for You

Ready to get started? Find a First State Bank branch near you!

*Annual Percentage Yield (APY) as of 07/15/2026. Rates on certificates of deposit accounts are fixed for the duration of the term unless otherwise disclosed; fees could reduce earnings; penalty may be imposed for early withdrawal on Certificate of Deposit accounts. You must deposit at least $10,000 to open the 4-Month and earn APY on balances. Deposits must be new funds to First State Bank. Transfers from existing First State Bank accounts do not qualify as new money. FDIC insured up to applicable limits. After maturity, the certificate will renew according to the terms disclosed at account opening. This offer may be canceled at any time.

**Annual Percentage Yield (APY) accurate as of 10/01/2026 and subject to change  at any time. Limited time offer. Limit one account per Tax ID. Balances $50,000+ earn 4.00% APY.  Promotional rate fixed for 90 days from date of account opening. After the promotional period, the account will automatically convert to the Purpose Money Market account and earn the stated rate in effect at that time. See our website for current rates. Other terms and restrictions apply.  A minimum of $50,000 to open account and earn APY is required. Current First State Bank customers are eligible to make a one-time transfer from another First State Bank account of up to $10,000 and the remaining funds required to qualify must be new to First State Bank. Fees may reduce earnings. Make up to six withdrawals per monthly statement cycle via ATM, in-branch transaction, or online transfer. After six withdrawals, an excess transaction fee will apply for each withdrawal.. Limit one account transfer offer per tax-reported owner. Promotional offer subject to change or cancellation at any time. Account must be opened by 12/31/2026.

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