Brad Austin

Brad on Business Loans

I bring more than 30 years of experience in business lending and have been proud to serve clients at First State Bank since 2021. I earned a Bachelor of Arts in Business Sciences – Accounting from Columbia College and further advanced my banking knowledge through the Graduate School of Banking at the University of Wisconsin.

I enjoy partnering with business owners to understand their goals and provide the right financing solutions at every stage of their journey. My experience spans the full range of commercial lending, including working capital, equipment financing, commercial real estate, business acquisitions, and succession planning. I take a hands-on, relationship-focused approach, helping clients navigate complex decisions with clarity and confidence.

By understanding the unique dynamics of each industry, I work to anticipate financial needs, identify opportunities for growth, and support long-term stability. I’m committed to acting with integrity, advocating for my clients, and building lasting relationships based on trust and results.

As a financial partner, my priority is helping businesses succeed—whether that involves lending solutions, treasury services, or long-term planning strategies.

Outside of the bank, I’ve been married to my wife for 42 years and enjoy staying active, traveling, and spending time with our children and grandchildren. I’m also actively involved in my church, 2Rivers in O’Fallon, Missouri, and support community outreach efforts through Sleep in Heavenly Peace.

Having worked at both large and community banks, I value the local decision-making, responsiveness, and personalized service that First State Bank provides. It allows me to better serve my clients and the communities we’re proud to be part of.

What Clients Are Saying

I have worked with Brad on several project for my ministry and personal financial needs. I have always been impressed with the integrity and efficiency in which Brad completed our needs.

— Darrin Drake