News & Events

Lou Viviano Joins First State Bank Commercial Lending Team


Lou Viviano(St. Charles) – First State Bank recently named Lou Viviano as senior vice president and the newest member of its award-winning commercial lending team. Viviano has 25 years of banking and finance industry experience, with 22 years in commercial lending. His expertise includes SBA lending, small- and middle-market businesses, asset-based loans and lines of credit, commercial real estate lending and warehouse lines of credit financing for mortgage companies. Viviano is located at First State Bank’s administrative center on West Clay in St. Charles.

“I’ve known some of First State Bank’s lenders for many years and have always respected the company’s steadfast business ethics and dedication to growing local businesses. The bank has a stellar 150-year reputation as a community partner businesses can trust and I am honored to be part of this commercial lending team,” said Viviano.

Viviano brings extensive business development experience to his new position with First State Bank. He has served a variety of roles throughout his career, including credit analyst, assistant vice president and senior vice president of commercial lending, and banking center president. He holds a B.A. in Finance and Banking from the University of Missouri-Columbia and completed the Graduate School of Banking at the University of Wisconsin-Madison.

“We are very excited about Lou’s decision to join First State Bank. He has a vast amount of banking expertise and is highly respected in the community. He will certainly be an asset to our team and our clients,” said Dave Harris, Executive Vice-President of Commercial Lending for First State Bank.

A lifelong resident of St. Charles County, Viviano volunteered with the City of O’Fallon’s Parks and Recreation Department from 1999-2003 and served on O’Fallon’s Planning and Zoning Commission from 2003-2015. He currently resides in Augusta with his wife, Shelia and continues to support a variety of community activities when possible.


A full-service, independent community bank, First State Bank has served the financial needs of individuals and businesses since 1867 with a portfolio of personal and business deposit, checking, and loan programs. Voted “best lender” in St. Charles County nine years consecutively, First State Bank offers full commercial lending services including Missouri First loans for small businesses and SBA loans.

First State Bank, member FDIC, is headquartered in St. Charles, MO, with branches in St. Charles, O’Fallon, Lake Saint Louis, and Chesterfield. First State Bank Mortgage serves customers through locations in St. Charles and St. Louis counties; Chesterfield, MO; Osage Beach, MO; Kansas City, MO; Overland Park, KS; and Scottsdale, AZ. For more information, visit

For more information, contact:  |  636.940.5555