1st State Bank is located in Saginaw, Bay and Midland Counties. To fill out an online application, you must either be a current customer of 1st State Bank or must live, work or own a business in either Saginaw, Bay or Midland County. If you do not fulfill this requirement, please call one of our Mortgage Loan Officers at 989-799-0525. Explore our mortgage center without any obligation or disclosure of personal information.