Rate Information

Special Deals


Bank History

First Security Trust Bank (FSTB) was founded in 1999, as a true Northern Kentucky based "community bank" focused on providing exceptional personal service while offering a broad range of consumer and business financial products. Our slogan, "BANKING MADE SIMPLE" speaks directly to our corporate philosophy of taking care of our customers' needs with the best trained and most professional banking staff found in our market. It is our commitment to customer service that distinguishes us from our peers.

In a time when customers demand both superior service and product delivery systems, FSTB stands out as the first community bank in Northern Kentucky to offer internet banking services, free checking and free bill pay. FSTB believes the successful community bank of the future must augment a rich tradition of personal service with the new products and services geared for the 21st century. Our goal is to always exceed our customers' expectations.

With that in mind we have assembled an outstanding team of banking professionals to carry on the day-to-day operation of the bank. Perry C. Day, Chairman & CEO has over 30 years of banking experience and is recognized throughout Kentucky for his commitment to community banking even serving the industry as both President and Chairman of the Kentucky Bankers' Association. Gerald (Jerry) B. Cook is the bank's President and is recognized throughout the market as a superior commercial lender. With over 25 years in lending with both larger regional and smaller community banks, Jerry brings a wide array of business banking experience to his customers. We invite you to meet the rest of our banking team by clicking here.  Our residential lending team has become recognized as one of Northern Kentucky's best, and they have developed a diverse mix of product offerings with a proven ability to get the job done for our clients.  FSTB's experienced management team is poised to follow through on our commitment "Banking Made Simple". We will exceed your expectations and return you to the days of knowing you can depend on your banker to be there for you.

Our main office is located at 7135 Houston Road, Florence, Kentucky, just 10 miles south of downtown Cincinnati, the 29th largest metropolitan area in the United States. This Houston Road corridor is centrally located in one of the fastest growing commercial and retail shopping areas. Geographically we are located within an easy driving distance to the rapidly growing Northern Kentucky residential communities. We have convenient locations and hours to serve your banking needs.