Welcome to First State Bank Online!

First State Bank, located in Cambridge, Farnam and Holbrook, Nebraska is a locally owned and operated bank serving the financial needs of businesses and individuals in south west Nebraska. Our goal is to provide quality service and value to our customers. We offer a wide variety of products and services, such as internet banking, check image statements, business and personal checking, and loan products. 

We seek to attract customers who enjoy the benefits of having a banking relationship that provides superior service and excellent products at a fair price. Our commitment to our customers is manifested in the drive, dedication and determination of our qualified management and staff to exceed your expectations. 


On November 9, 2010, the FDIC issued a Final Rule implementing section 343 of the Dodd-Frank Wall Street Reform and Consumer Protection Act that provides for unlimited insurance coverage of noninterest-bearing transaction accounts. Beginning December 31, 2010, through December 31, 2012, all noninterest-bearing transaction accounts are fully insured, regardless of the balance of the account, at all FDIC-insured institutions. The unlimited insurance coverage is available to all depositors, including consumers, businesses, and government entities. This unlimited insurance coverage is separate from, and in addition to, the insurance coverage provided to a depositor’s other deposit accounts held at an FDIC-insured institution.

A noninterest-bearing transaction account is a deposit account where interest is neither accrued nor paid; depositors are permitted to make an unlimited number of transfers and withdrawals; and the bank does not reserve the right to require advance notice of an intended withdrawal.

Please note that Money Market Deposit Accounts (MMDAs) and Negotiable Order of Withdrawal (NOW) accounts are not eligible for this unlimited insurance coverage, regardless of the interest rate, even if no interest is paid on the account.

For more information, visit: http://www.fdic.gov


On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act into law, which, in part, permanently raises the current standard maximum deposit insurance amount (SMDIA) to $250,000. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category. Consumers and bankers can find additional information regarding FDIC’s deposit insurance coverage through the use of the FDIC’s Electronic Deposit Insurance Estimator (EDIE) and deposit insurance publications located on the FDIC’s website “Are My Deposits Insured?”

Please contact us about your financial needs at:  customerservice@1ststatebank4me.com

Contact us at our 3 locations:

First State Bank, 222 Main St, P.O. Box 96, Farnam, NE 69029        (308)569-2311                

First State Bank, 618 Patterson, P.O. Box 220, Cambridge, NE  69022 (308) 697-3305      

First State Bank, 123 Center Ave, P.O. Box 100,  Holbrook, NE  68948 (308) 493-5905
Free Personal Online Banking

FUNDS AVAILABILITY CHANGE EFFECTIVE 7/21/11:

THE FIRST $200 OF YOUR DEPOSIT WILL BE AVAILABLE THE FIRST DAY AFTER THE DAY OF YOUR DEPOSIT.

(IN THE EVENT YOUR DEPOSIT REQUIRES A HOLD)

First State Bank offers secure web-based tools to help you manage your finances and save time 24 hours a day, 7 days a week, wherever you have an internet connection, at your convenience.  

Online banking allows you to check balances and conduct common banking tasks and transactions over the internet in a secure environment. 

Because security is a major concern whenever you are dealing with the internet, First State Bank offers security at every level of Online Banking transactions.  This is achieved by requiring browsers to have 128-bit encryption and requiring a customer number and password, ensuring the security of confidential information for all of our valued customers.

NOTICE: FIRST STATE BANK. All Rights Reserved. The First State Bank website contains links and features that are provided to our customers from outside sources. We are not responsible for and have no control over the content or subject matter of these links. However, it is our sole intent to provide information that our customers can find useful. Please read our Privacy Policy and Disclosures. Complete regulatory disclosures containing all terms, features and limitations are available at our banking office, or can be obtained by telephone request by calling (308) 493-5905.