Investor Information





A Message From the President 


On behalf of our Board of Directors, Management and Staff, we welcome you to become a shareholder in 1st State Financial, Ltd.

1st State Financial, Ltd. (“the Company”), the holding company for 1st State Bank (“the Bank”), has been providing banking services in the Great Lakes Bay Region since 2004. Our banking professionals focus on providing banking services to businesses through a wide range of lending, deposit and financial services.

1st State Financial, Ltd. is privately held, meaning our stock does not trade on any electronic exchange and is owned by local investors. The Company’s stock is traded through the Bank’s internal trading desk and is the Company’s transfer agent. The Company also offers a Dividend Re-Investment Plan, an Employee Stock Ownership Plan and accommodates the purchase of Company stock through an individual Self-Directed IRA offered by the Bank.

If you are interested in becoming a shareholder in 1st State Financial Ltd. Click the “Become a Shareholder” link, at this link you will be able to fill out a form requesting information about becoming a Shareholder.


Jim Milroy

President & Chief Executive Officer

1st State Financial, Ltd./ 1st State Bank