First State Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Saint Bernard Branch	4901 Vine Street, Cincinnati, OH 45217	View Lobby Hours
Hillsboro Branch	730 Harry Sauner Rd., Hillsboro, OH 45133	View Lobby Hours
Mt Orab Branch	501 West Main Street, Mount Orab, OH 45154	View Lobby Hours
Georgetown Branch	4928 Street, Route 125, Georgetown, OH 45121	View Lobby Hours
West Union Branch	409 West Main Street, West Union, OH 45693	View Lobby Hours
First State Bank	19230 State Route 136, Winchester, OH 45697	View Lobby Hours
Manchester Branch	210 Pike Street, Manchester, OH 45144	View Lobby Hours
Peebles Branch	145 North Main Street, Peebles, OH 45660	View Lobby Hours
Seaman Branch	105 South Main Street, Seaman, OH 45679	View Lobby Hours
Ripley Branch	101 Main Street, Ripley, OH 45167	View Lobby Hours
Wilmington Lpo	832 Rombach Avenue, Wilmington, OH 45177	View Lobby Hours
Washington Court House Branch	543 Clinton Avenue, Washington Court House, OH 43160	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 292473	6.248%	6.125% 0.63 points $4,187 fees	$1,945	Learn More
NMLS ID: 401822	6.620%	6.500% 0.63 points $3,995 fees	$2,023	Learn More
NMLS ID: 401822		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

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