Online Banking

About Us


First State Bank was officially chartered September 12, 1935. On October 8th, we opened at the corner of 16th Street and 1st Avenue in Scottsbluff. In July of 1981, we found our current home at the corner of 20th and Broadway. We purchased The Bank of Gering in October of 1986 creating a convenient second location.

The 21st century arrived and we once again outgrew our surroundings. We expanded our facility and added Classic One Insurance to the company in an effort to better serve our customers. In April 2004 we merged First State Bank, Colorado Springs, Colorado, a bank we have owned since 1995, into the Scottsbluff bank.

In June of 2019, we merged with our long-time partner, Security First Bank, with locations in Cheyenne and Laramie, Wyoming.  This union, now allows First State Bank customers to bank in three different states at six different locations. 

First State Bank is a full-service financial institution. Our services include checking, savings, and CD accounts with the convenience of online banking and mobile banking. In addition, we offer a variety of loan products and investment programs. With the additions of Classic One Insurance we are able to offer insurance services to our customers as well.

Through long-term customer relationships and referrals, and with the support of knowledgeable personnel, First State Bank has grown from assets of $100,000 in 1935 to more than $218,000,000 as of December 31, 2018. First State Bank has the distinction of being the oldest locally owned and operated bank in the Panhandle of Nebraska. We have the strength and stability to serve all your needs today, tomorrow, and in the future!

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Scottsbluff, NE

Marvin Hefti Chairman & Chief Executive Officer NMLS #470808
Michael W. Downey President NMLS #469835
Richard L. Tuggle Executive Vice President & Chief Operating Officer  
Crystal Nielsen Senior Vice President & Chief Financial Officer  
Randall A. Olson Senior Vice President - Loans NMLS #469838
R.C. "Chip" Findley Vice President - Investment & Trusts  
Lisa Lockwood Vice President - Loan Administration & Compliance  
Brad Bode Vice President-Business Development NMLS #469833
Jeff Reifschneider Vice President-Loans NMLS #944425
Kathy Herron Assistant Vice President - Loan Administration NMLS #881011
Paula Schlaepfer Assistant Vice President - Operations  
Cheryl Hinojosa Assistant Vice President - Data Processing Manager  
Helen Douglass Assistant Vice President & Assistant Cashier  
Martin Mickey Assistant Vice President - Loans NMLS #1427023
Becky Fox Loan Administration Officer  
Juanita Gibbs Operations Officer  
Ernest Charles Information Technology Manager  
Linda Harimon Internal Auditor Officer  
Becca Tompkins Director of Marketing Officer  
Amy Smith Mortgage Loan Officer NMLS #1747029
Kyle Michaelis Operations Officer  

Gering, NE

Derek Manley Assistant Vice President/ Branch Manager NMLS #881012
Nickole Sheldon Loan Officer/Assistant Branch Manager NMLS # 1391828 

Colorado Springs, CO

Ronald Waller Senior Vice President & Branch Manager NMLS #469840
Donna Clifton Assistant Vice President NMLS #881010

Cheyenne, WY

Stig Hallingbye Market President NMLS #737267
Chris Allred Vice President Commercial Lending & Agricultural Lending NMLS #675795
Angela Aragon Vice President Operations  
Nancy Udell Vice President Lending, East Branch Manager NMLS #476665
Bernadene Halle Consumer Banking Officer  
Lisa Perez Loan Operations Supervisor NMLS #884796
Amy Dooley Assistant Vice President-Loan Operations  

Laramie, WY

Susan Bulgrin AVP/ Branch Manager/ Loan Officer NMLS #476666



  • Marvin Hefti, Chairman
  • Kay L. Coletti
  • Jerry Darnell
  • Michael Downey
  • Gary L. Kelley
  • John A. Koenig
  • Stig Hallingbye
  • Joel Schneider