DEPOSIT ACCOUNTS:
Will my branch contacts at First State Bank of Wyoming change?
Familiar faces of the Wyoming & Stacy offices will continue to be a part of your banking experience. You will also see several new faces of First Resource Bank in the branch offices. Please stop by and say hello!

Will the branch hours for the Wyoming and Stacy Locations be changing?
Office hours for both locations will remain the same.Where are other First Resource Bank locations?
First Resource Bank has locations in Forest Lake, Lino Lakes, Lindstrom, Minneapolis, Stillwater, Minnesota
and St. Croix Falls Wisconsin.

Are my deposit accounts still FDIC insured?
Yes, your deposit accounts are still insured up to $250,000 per depositor, per ownership category by the FDIC.

Will my current deposit products change?
Your current First State Bank of Wyoming deposit product options will not change at this time.

Will my account number change?
For most customers, the account number will remain the same for deposit & loan accounts. It is possible, however, that a small percentage of clients could experience a change in account numbers.  If your account is affected by this change, you will receive direct communication.

Will the bank routing number change?
No, the routing number will not change.

Can I still use my debit/ATM Card?
Yes, you can still use your current debit/ATM card at this time.

Can I still use my current First State Bank of Wyoming checks?
Yes, you can still use your current check stock.

Will any of my automated deposits/payments be impacted?
No, ACH deposits and payments will not be impacted by the acquisition. However, if you are contacted regarding a change to your account number, you will need to update your automatic payments to reflect the updated account number.

Can I open additional accounts at First State Bank of Wyoming?
Yes, you may continue to open additional deposit products as needed.

Will there be any changes to the Funds Availability Policy?
At this time the Funds Availability Policy will remain the same.

Will the daily cutoff time for deposits and withdrawals change?
No, the cutoff time will remain at 5:00PM for lobby transactions and 4:00PM for mobile deposits at
this time.

Rates
Deposit accounts and Certificate of Deposits will continue to earn the current rate on the account at
this time.

Service Fees
The fees you are accustomed to will not be changing at this time.

1099 and IRA Reporting
All end of year reporting will be provided by First Resource Bank for the entire year.

DIGITAL BANKING / MOBILE BANKING:

How do I log into my online banking?
As of April 1, 2026 you may continue to access your online banking portal via www.fsbwyoming.com. Your username and password will remain unchanged.

Will the mobile banking app change?
Yes, the look of the current First State Bank of Wyoming mobile banking app will change; however, the functionality will remain the same. Please refer to page 7 for more information.

Who do I contact for assistance if I have difficulty accessing the online banking system?
You can continue to contact the familiar faces at the Wyoming or Stacy locations.

LENDING:

Can I continue to use my First State Bank of Wyoming credit card?
Yes, if you have a First State Bank of Wyoming credit card, you can still use the card.

What happens to my First State Bank of Wyoming loan(s)?
Your loan term and rate will remain as currently defined in the loan agreement unless the loan is refinanced with First Resource Bank.

What lending options are available at First Resource Bank?
First Resource Bank offers several lending options to meet customers’ needs including commercial loans, SBA financing, consumer mortgage purchase loans, refinance, Home Equity Line of Credit and Home Equity Term Loans. Please contact your local branch to learn more.

Where can I make loan payments?
You can make your loan payment(s) at any of our eight locations.  Make your check payable to First Resource Bank.

Wyoming, MN – January 21, 2026 – First State Bank of Wyoming is pleased to announce that it has entered into a definitive agreement to be acquired by First Resource Bank, pending FDIC approval. This partnership brings together two community focused institutions that share the same mission, values, and longstanding commitment to serving local families, businesses, and communities. The transaction is expected to be completed in the second quarter of 2026.Bringing the two institutions together will add nearly $240 Million in Assets and 2 additional locations to First Resource Bank’s footprint. This opportunity will allow them to grow to eight full-service locations with total assets exceeding $1 billion.

A Natural Fit: Shared Mission, Shared Values, Shared Philosophy
This acquisition is built on a remarkably strong alignment between the two banks. Because the two organizations already share the same mission and community first philosophy, customers will not see a shift in culture, values, or service — only the added resources.

Another similarity is that both banks already operate on the same banking software. Because of that, the transition is expected to go smoothly for both customers & staff. The employees from both institutions are already familiar with similar workflows and systems, which will ensure continuity and consistency throughout the transition process.

Our customers will enjoy the benefits of additional locations and expanded capabilities, all while continuing to experience the personal, relationship driven service they know and trust.

First State Bank of Wyoming & First Resource Bank are both members of the Federal Deposit Insurance Corporation and are Equal Housing / Equal Opportunity Lenders. We encourage customers to contact us directly at 651-462-7611 with any questions regarding the transaction.

If you are asked to send money from a recent deposit or overpayment, discuss the situation with a banker, trusted friend or family member. Be truthful about the situation. Many scammers direct their victim to lie about the reason you are sending the money. Review your account activity to spot signs of fraud. These include transfers from your own savings, credit card, or home equity line of credit. Or a transfer from someone you do not know. If you’re unsure of the descriptions used for a transaction, ask a banker. Watch out for deals that are too good to be true. A deep discount could be the sign of a scammer trying to lure you in.

1. Were you instructed to make up a story and not share the true details with anyone?
2. Did you receive money from one individual and were asked to send money off to another?

ROMANCE SCAM

You meet someone, typically through an online app or social media site, and begin a relationship. Your online interest starts professing their love for you and then begins to ask for money to help with costs such as medical bills or travel expenses to visit you.

BUSINESSS OPPORTUNITY

You’re approached with an offer to fund a lucrative investment or business opportunity, usually in another country. You’re directed to act quickly and keep the deal a secret, especially if questioned by your bank when sending the money.

LOTTERY SCAM

You have won a foreign lottery and are instructed that you need to pre-pay the taxes. Typically an ‘Attorney’ is involved to make things sound legitimate.

FAMILY EMERGENCY

You receive an urgent call or email from someone claiming to be a friend or family member who needs money for an emergency. To appear legitimate, they may provide details (pulled from social media) about your friend or relative in need. They will often put someone on the phone briefly for you to hear – their voice is distorted so you cannot be sure it isn’t them. Best way to validate— reach out the family member or loved one directly.

REAL ESTATE WIRE

A scammer gains access to a legitimate email account to impersonate a realtor, escrow officer, attorney, or lender and then provides fraudulent wiring instructions to funnel the money directly into the scammer’s account.

TECH SUPPORT

Someone contacts you claiming to be from a well-known technology company and requests remote access to your computer. Sometimes the caller says they have identified a problem and offers to fix your computer for a fee. If you give them access, they install malicious software to steal your personal or financial information.

Most scams and scammers have two main goals–to steal your money and your identity. You should know what to look for, how they work, and what to do, so you can protect yourself and your finances.  Visit the FDIC’s Consumer News site and educate yourself on the latest scams.