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& Investments

Planning for your future can feel overwhelming. Let us walk you through the options you have to invest your capital and help protect your investments. From crop insurance, home insurance, and life insurance, we're committed to protecting what needs protecting.

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Insurance & Investment
Contact Us
Customized Insurance by Region
Life Insurance
Advanced Investment Guidance
Crop Insurance
Dedicated Account Team
Nebraska Owned and Operated

Help Grow and Protect Your Legacy

Our Insurance & Investment Professionals Will Help Guide You

1st State takes a unique approach to insurance. Many of our branch locations have insurance professionals that have worked for years to offer reassurance to our customers by providing wide-ranging insurance coverage. Whether you need crop insurance, home insurance, life insurance, car insurance, or other professional services, we’ll provide a safety net for the valuables you can’t keep in a safe deposit box. When it comes to planning for retirement, you need a diversified portfolio that gives you real returns. Growing what you have is essential, and helping ensure the security of what’s most valuable is our highest priority. We also offer guidance on all types of investments. Our investment professionals have years of experience advising our customers on the most suitable way to make their money work for them. Your future is important.

Insurance Offices


5370 S 72nd Street Ralston, NE 68127
Randall Crutcher 402-537-5978



914 Lake Avenue Gothenburg, NE 69138
Mike Messersmith 308-537-7159

North Platte
410 Rodeo Road Avenue North Platte, NE 69101
Mark Stadler 308-532-4400


234 South Commercial Avenue Wallace, NE 69169
Mike Maupin 308-387-4319



914 Lake Avenue Gothenburg, NE 69138
*Mike Messersmith 308-537-7159

Check the background of Ameritas Investment Corp. or this investment professional on FINRA’s BrokerCheck.

Looking to speak to a professional? Fill out the information below and we will be in touch with you.

Products & Services

Life Insurance

Protect your family’s finances in the event of your death.

  • Term Insurance
  • Universal Life Insurance
  • Whole Life Insurance
  • Joint Life Insurance

Crop Insurance

We offer a full portfolio of insurance types to protect your livelihood and your legacy.

  • Preserve Financial Security
  • Guard Against Inherent Risks
  • Multiple Peril Crop Insurance
  • Crop Peril Security

Health Insurance

For access to doctors and medical care.

  • Health Savings Accounts
  • Dental Insurance
  • Vision Insurance
  • Long Term Disability

Business Insurance

Insurance and investing solutions for your workplace.

  • After Tax Investments
  • Buy/Sell Agreements
  • Workman’s Compensation
  • Professional Liability
  • Retirement Plans

Property Casualty Insurance

Insurance to protect everything you own and love.

  • Auto & Home
  • Motorcycle & Watercraft
  • Business  & Farm
  • Personal Liability
  • General Liability
  • Surety Bonds
  • Renter’s Insurance

Start Banking with 1st State Bank Today

Let Us Be Your Banking Partner

Find Your Location

Investment products and insurance services are not insured by the FDIC, are not deposits or other obligations of the bank, are not guaranteed by the bank, are subject to investment risks, including possible loss of the principal invested.

* Securities and investment advisory services are offered solely through Ameritas Investment Corp. (AIC), a registered Broker/Dealer, Member FINRA/SIPC, and a Registered Investment Advisor. AIC and First State Bank are not affiliated.  Additional products and services may be available through Mike Messersmith, or First State Bank that are not offered through AIC.  Securities products are limited to residents of states where associates are registered.This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Investment Advisor Representative. Read it carefully before you invest or send money. A Representative from First State Bank will contact you to provide requested information. Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your circumstances. Information posted to this site by 3rd parties or links to 3rd party sites are not created nor endorsed by AIC or its representatives. Their information is deemed to be from reliable sources; however, their content cannot be guaranteed.

* Check the background of Ameritas Investment Corp. or this investment professional on FINRA’s BrokerCheck.