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.

Sincerely,

Jim Milroy

President & Chief Executive Officer

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

Become A Shareholder

Special Shareholder Programs

Dividend Reinvestment Program (DRIP)

A Dividend Reinvestment Program (DRIP) is a government approved securities program providing stockholders of a company the ability to reinvest cash dividends directly into the common stock of the company. A DRIP also allows stockholders the ability to make quarterly cash contributions (up to $2,000) into their individual DRIP account for the purchase of additional shares of common stock. Our profitability has increased year-over-year and the Board wants to ensure a program exists for stockholders as cash dividends are declared.

Automatic Dividend Deposit

Shareholders are provided the option of having dividend payments directly deposited into a bank account.

Self-Directed IRAs

A Self-Directed IRA allows investors to utilize their long-term investment dollars held in an IRA for the purchase of stock in our Bank. Unlike similar account from brokerage firms, 1st State Bank does not charge fees for Self-Directed IRAs. Shareholders can transfer an existing IRA account from another financial institution or open a new IRA with 1st State Bank. A Self-Directed 401K is also available for shareholders.

Statements made on this webpage are a reflection of past performance of this bank and holding company and should not be considered a projection of future performance. Investments involve varying degrees of risk, including possible loss of principal. Funds held in corporate stock are not considered a deposit of the bank, and are not insured by the FDIC or any other government agency.