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Commercial Lenders

Local Experts, Business-Focused Solutions

At First State Bank, our commercial lenders do more than process loans—they build relationships. As members of the community, they understand the local market and are committed to helping businesses grow. Whether you’re expanding, investing in new equipment, or need working capital, our team offers personalized solutions and quick, local decision-making to keep your business moving forward.

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John Guarini

Commercial Loan Officer

John has nearly 40 years of experience. He holds a BBA in Accounting from the University of Michigan–Dearborn and an MBA in Finance from the University of Detroit. Guided by the philosophy "Treat people the way you would like to be treated," John is known for keeping clients fully informed to ensure smooth closings with no surprises.

John is proud to be part of a team with a 100+ year history and a core group of experienced local lenders. Based in Grosse Pointe Woods, he delivers the personal service and deep market knowledge that set both himself and First State Bank apart from larger institutions and credit unions.

St. Clair Shores: Mack
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