First State Bank of Middlebury, Indiana: Your Trusted Financial Partner

Nestled in the heart of Middlebury, Indiana, First State Bank has been serving the community with unparalleled financial services for over a century. Since its humble beginnings in 1908, the bank has grown into a pillar of financial stability and a trusted advisor for individuals, families, and businesses alike.

Our Core Values: Trust, Integrity, and Excellence

At First State Bank, our core values are deeply ingrained in everything we do. Trust is the foundation upon which our relationships with our clients are built. We believe in transparency, honesty, and ethical behavior at all times. Integrity is the compass that guides our decisions. We always strive to act in the best interests of our clients and uphold the highest standards of professional conduct. Excellence is the hallmark of our services. We are committed to delivering exceptional financial solutions that empower our clients to achieve their financial goals.

A Comprehensive Suite of Financial Services

As a full-service financial institution, First State Bank offers a comprehensive suite of products and services to meet the diverse needs of our clients. These include:

• Personal Banking: Checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and personal loans
• Business Banking: Business checking accounts, business savings accounts, business loans, lines of credit, and merchant services
• Mortgage Lending: Home loans, construction loans, and refinancing options
• Wealth Management: Retirement planning, investment management, and trust services
• Insurance: Life insurance, health insurance, and property & casualty insurance

Our Commitment to the Community

First State Bank is deeply committed to the Middlebury community. We believe that a thriving community is a testament to the strength of its financial institutions. Our employees actively volunteer their time and resources to support local organizations, such as the Boys & Girls Club of Elkhart County and the United Way. We also sponsor a variety of community events and initiatives, such as the Middlebury Apple Festival and the Middlebury Little League.

Why Choose First State Bank?

When you choose First State Bank, you are not just choosing a financial institution; you are choosing a partner. We are committed to providing our clients with:

• Personalized Service: We take the time to understand your individual financial needs and goals. Our experienced bankers are always available to answer your questions and provide expert advice.
• Competitive Rates: We offer competitive rates on all of our products and services, ensuring that you get the best value for your money.
• Convenient Access: We have convenient locations throughout Middlebury and the surrounding areas. You can also access your accounts online or through our mobile app.
• Financial Security: Your deposits are FDIC-insured, up to the maximum allowed by law. We also employ robust security measures to protect your personal and financial information.

Our Promise to You

At First State Bank, we are committed to providing exceptional financial services that help our clients achieve their dreams. We are proud to be your trusted financial partner, and we look forward to serving you for many years to come.

Services Offered by First State Bank of Middlebury, Indiana

First State Bank offers a comprehensive suite of financial products and services to meet the diverse needs of our clients. These include:

Personal Banking

• Checking accounts
• Savings accounts
• Money market accounts
• Certificates of deposit (CDs)
• Personal loans
• Debit cards
• Online and mobile banking
• Bill pay

Business Banking

• Business checking accounts
• Business savings accounts
• Business loans
• Lines of credit
• Merchant services
• Remote deposit capture
• Payroll services

Mortgage Lending

• Home loans
• Construction loans
• Refinancing options
• FHA loans
• VA loans
• Jumbo loans

Wealth Management

• Retirement planning
• Investment management
• Trust services
• Financial planning

Insurance

• Life insurance
• Health insurance
• Property & casualty insurance

Additional Services

• Safe deposit boxes
• Notary services
• Coin counting machine
• Foreign currency exchange

Why Choose First State Bank of Middlebury, Indiana?

When you choose First State Bank, you are not just choosing a financial institution; you are choosing a partner. We are committed to providing our clients with:

Personalized Service: We take the time to understand your individual financial needs and goals. Our experienced bankers are always available to answer your questions and provide expert advice.

Competitive Rates: We offer competitive rates on all of our products and services, ensuring that you get the best value for your money.

Convenient Access: We have convenient locations throughout Middlebury and the surrounding areas. You can also access your accounts online or through our mobile app.

Financial Security: Your deposits are FDIC-insured, up to the maximum allowed by law. We also employ robust security measures to protect your personal and financial information.

Financial Planning with First State Bank of Middlebury, Indiana

Financial planning is an ongoing process that helps you make informed decisions about your finances. By working with a financial planner at First State Bank, you can develop a personalized plan that aligns with your unique goals and objectives.

Benefits of Financial Planning

• Achieve your financial goals: Whether you want to save for a down payment on a house, retire early, or start a business, financial planning can help you develop a roadmap to reach your goals.
• Reduce financial stress: By understanding your financial situation and creating a plan, you can reduce financial stress and improve your peace of mind.
• Make sound financial decisions: A financial planner can help you make informed decisions about investments, insurance, and other financial matters.
• Protect your assets: Financial planning can help you protect your assets from financial risks and plan for unexpected events.

Our Financial Planning Process

1. Discovery Meeting: We will meet with you to discuss your financial goals, objectives, and concerns.
2. Financial Analysis: We will review your financial situation and conduct a thorough analysis to identify areas for improvement.
3. Plan Development: Working together, we will develop a comprehensive financial plan that addresses your specific needs and goals.
4. Plan Implementation: We will help you implement your plan by recommending specific products and services.
5. Ongoing Monitoring and Review: We will regularly monitor and review your plan to ensure that it remains aligned with your goals and adjust it as needed.

Investing with First State Bank of Middlebury, Indiana

Investing is an essential part of financial planning. It allows you to grow your wealth and reach your financial goals. First State Bank offers a range of investment products and services to help you meet your investment objectives.

Investment Products and Services

• Individual retirement accounts (IRAs)
• Roth IRAs
• 401(k) plans
• Mutual funds
• Exchange-traded funds (ETFs)
• Stocks
• Bonds
• Certificates of deposit (CDs)

Our Investment Approach

Our investment approach is based on the following principles:

• Diversification: We believe in diversifying your investments across asset classes and investment styles to reduce risk.
• Long-Term Perspective: We believe in taking a long-term perspective to investing. We avoid making short-term trades and focus on investing in companies with solid fundamentals.
• Client-Focused: We tailor our investment recommendations to your individual goals, objectives, and risk tolerance.

Insurance Services at First State Bank of Middlebury, Indiana

Insurance is an important part of financial planning. It provides you with financial protection against unexpected events. First State Bank offers a wide range of insurance products and services to help you protect your assets and loved ones.

Insurance Products and Services

• Life insurance: Life insurance provides financial support to your beneficiaries in the event of your death.
• Health insurance: Health insurance helps you pay for medical expenses, including doctor visits, hospital stays, and prescription drugs.
• Property & casualty insurance: Property & casualty insurance protects your home, vehicle, and other belongings from damage or loss.
• Business insurance: Business insurance protects your business from financial losses due to accidents, lawsuits, and other risks.

Our Insurance Process

1. Risk Assessment: We will assess your risk profile and identify areas where you need insurance coverage.
2. Product Recommendations: We will recommend insurance products that meet your specific needs and budget.
3. Policy Procurement: We will help you obtain insurance policies from reputable insurance carriers.
4. Ongoing Support: We will be there to support you throughout the life of your insurance policies and assist you with any claims or questions.

Stories of Success

Story 1: The Young Entrepreneur

John was a young entrepreneur with a promising business idea. He approached First State Bank for a loan to start his business. Our bankers worked with John to develop a comprehensive financial plan that included a loan that fit his specific needs. With the support of First State Bank, John was able to launch his business successfully and is now on track to achieve his entrepreneurial dreams.

What we learn: First State Bank is committed to supporting small businesses and providing financial solutions that help them grow.

Story 2: The Retired Couple

Sarah and Tom were a retired couple who were looking for a financial plan that would help them preserve their savings and generate income in retirement. They turned to First State Bank's wealth management team. The team developed a personalized financial plan that included a diversified investment portfolio and a conservative withdrawal strategy. Sarah and Tom were able to retire comfortably and confidently, knowing that their savings were secure and their income was sustainable.

What we learn: First State Bank's financial planning services can