Banking For The Whole Family.First State Bank and Trust, a true community bank, has been offering complete financial solutions to families and businesses in the St. Croix Valley since 1914. For your convenience, we have branches in Bayport, Oak Park Heights, Boutwells Landing, Stillwater and Hudson, MN. Our services include, but are not limited to: Full service banking Mortgages Commercial lending Retirement options Trusts * Insurance* Investments* Whether you're shopping for your first checking account, looking to grow your wealth or need professional estate planning assistance, we're here for you. Call First State Bank and Trust today to schedule an appointment to discuss your financial needs.* Not FDIC insured * No bank guarantee * May lose value * Not insured by any government agency * Not a deposit or other form of obligation of the bankMember FDIC. Equal Housing Lender.