HONEST

Raised as a farm boy and trained to be an educator, Joe Caffee began his banking career in 2001. One of his first responsibilities was to repossess a vintage Volkswagen Beetle in another state. He took his grandmother along to help. Joe had been working as a credit analyst at a community bank for three months when the bank president stopped by his cubicle, tossed him a key to an office and said, “On Monday you’re a lender – don’t screw it up.” Following that inspiring training, he spent 13 years advancing from consumer lender to chief lender with a board of directors seat. He came to Michiana in 2014 as President and CEO of First State Bank and hasn’t looked back. Joe is passionate about community banking and loves to make a positive difference in the communities where First State Bank does business.

Sheila began her banking career in 1985 but found her passion in 1999 when she became a Business Banker. She adds value to her small business owner clients by being a trusted advisor. She knows the time and energy they put into their business. She works hard to help them realize their goals and vision for their family and business succession. First State Bank empowers Sheila to do what she does best: help clients succeed. She serves on the Board of Directors for CAPS, where she serves as Treasurer. She is a past Director for the Business Development Corporation, Past President and member of the Elkhart Noon Exchange Club and Past President of Winding Waters Preschool Daycare.

With more than 48 years of banking experience, Duane has dedicated his career to helping small business owners navigate their financial needs and pursue their dreams. Known for his approachable nature and commitment to serving others, he takes pride in building lasting relationships with customers and supporting local businesses. Beyond the bank, Duane is an active member of the Lions Club and enjoys giving back to the community.

Known as Duane by some, but better recognized as Dewey throughout Elkhart County, he serves as Senior Vice President/Lender and leads the commercial lending team in the Goshen region after more than 20 years at First State Bank (FSB). Dewey has a deep passion for banking and lending. He joined First State Bank from NBD in Traverse City, Michigan, in 1998. Since then, Dewey has played a crucial role in helping business owners succeed by providing both excellent loans and valuable counsel.

Dewey has also held various leadership positions, including treasurer for both Goshen Noon Kiwanis and Goshen Building Trades. He served as the Board Treasurer for the Elkhart County 4-H Fair and was actively involved in the Elkhart County 4-H Saddle Club during his daughter’s membership. In his spare time, he enjoys following his daughter’s rodeo career as she travels across the United States.

Originally from the “thumb” of Michigan, Eric earned his degree in Computer Information Systems from Saginaw Valley State University. He began his banking career in Michigan in 2004 and found his way south to Indiana to join FSB in 2012. Eric is now Senior Vice President and Director of IT. He and his family have found Middlebury to be a great place to live and be active.
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After graduating with a Masters in Accounting from Manchester University, Jared spent his time as a public accountant. In 2004, his father-in-law encouraged him to pursue First State Bank’s newly-created Assistant Controller position. Hesitant to pursue a new career but eager to please his father-in-law, Jared decided to interview. Instantly intrigued by the family atmosphere and staff, he knew that First State Bank was the kind of organization he wanted to work for. He accepted the Assistant Controller position in January of 2005 and hasn’t looked back since. He was promoted to Controller in 2006 before taking the role of Senior Vice President and CFO in January 2020.

With more than two decades of banking experience, Eddie brings a wealth of leadership and operational expertise to the team. A proud University of Kentucky alum, he’s also a long-time supporter of Junior Achievement of Elkhart County, where he’s helped inspire the next generation for over 10 years. Outside of the office, you’ll likely find him on a run, cheering on the Wildcats, or planning the next family adventure.

Born in the Upper Peninsula of Michigan, Dana has lived in various locations around the country. After starting his banking career in South Bend in 1996 as a credit analyst, Dana was promoted to officer and lender. He joined First State Bank in 2010 and now leads the team in St. Joseph County. Dana’s slogan is “helping my clients to grow and prosper.” Dana’s passion is to add value to companies as well as to their owners. Dana maintains a portfolio of customers in many different industries.

Lance chose to work at FSB because he wanted to work at an organization that is deeply rooted in the community he grew up in.  Lance works primarily from the Middlebury location, has a B.S. in Finance from Indiana University, Indianapolis, and completed his studies in 2021 at the Graduate School of Banking at the University of Wisconsin. He is a member of the Indiana Bankers Association Leadership Division and has been a part of the First State Bank team for over 12 years.

Sam is a Middlebury local. He graduated from Western Michigan University with a Bachelor’s degree in Finance and has worked at First State Bank for 28 years. Over the years, he has held various roles, starting as a teller and progressing through new accounts, loan assistance, loan review, and ultimately into risk management and information security.
Outside of work, Sam is an active member of his community. He currently serves as Vice President of the Northridge Band Boosters and has volunteered as a coach with Middlebury Little League for the past 10 years. Additionally, he coaches his daughter’s travel softball team.
An avid sports enthusiast, Sam enjoys playing sports in his free time. He and his wife have three children.

For more than 10 years, Julie has been a trusted member of the First State Bank team. She is also dedicated to giving back to nonprofit organizations that strengthen communities, with a special interest in causes that support the human-animal bond.

Patty began her banking career right out of high school as a teller for Salem Bank during her breaks while attending college. She worked as a teller, customer service representative, loan administrator and ultimately landed at First State Bank in 1990. She graduated from Indiana University – Fort Wayne (IPFW) with a B.S. in Business with a concentration in Finance & Economics in 1992. She then became the first full-time trust officer at FSB. Patty is a 1994 graduate of the Cannon Financial Institute. She currently serves on the Advisory Board for Waterford Crossing and previously served on the Oaklawn Foundation Board and is a past member of the Scholarship Committee for the Community Foundation of Elkhart County.