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Like you, we recognize that the Coronavirus (COVID-19) is a rapidly evolving situation that has impacted us of all.  We are committed to the health and well-being of our employees, our customers, and their business operations.  As we shared via an earlier email, we are closely watching the evolution of this outbreak. Multiple time a day, we are taking measures to keep our branches clean and sanitized as well as educating our employees on the proper steps to keep themselves and those around them safe in compliance with CDC guidelines.


Our branch offices and drive-ins will continue to maintain normal working hours and will remain open and fully accessible to you, as long as we can remain in compliance with local guidelines.  We do encourage social distancing in our lobbies and encourage use of our drive-ins, night drops, mobile banking, mobile deposit, and remote deposit capture options at all 3 locations.

FDIC Insurance Coverage

Regardless of the bank’s operations, your accounts are fully insured by the FDIC up to $250,000 per account owner and account type.  Additional coverage can be available depending on how your accounts are structured.  We also have access to programs such as CDARS and ICS which can provide additional FDIC coverage for even larger balances.   If you are at all concerned, please contact any of our branch offices for assistance and guidance.

Loan Payments

If you’re having financial difficulties or concerned about being able to make your regularly scheduled loan payment, we encourage you to contact your loan officer to discuss your circumstances.  We recognize that this is a fluid situation and information is changing daily.  The best thing you can do under these circumstances is to keep the lines of communication open.  We will do everything within reason to help you and your business survive this tragic situation.  If you’re unsure who to speak with, just call any of our branch offices and they will get you to the right individual that can assist you.

We’re here for you

We know that with the grace of God and patience from all, we can and will get through this pandemic.  Our commitment to you is to be there when you need us most and we assure you we are all in this together.  

Thank you for your business


David Durrett, Chairman
Chris Turner, President
The First State Bank