Charlotte State Bank & Trust affords you the opportunity to purchase a home, to utilize the equity that you've accumulated in your home, to purchase a car, install a pool, float a boat, take a vacation .... the possibilities are endless. Come to the Hometown Bank for:
Consumer Loans
Charlotte State Bank & Trust offers a wide variety of consumer loans to help you purchase the things to maintain and enhance your lifestyle. Call us for current rates and terms for car, RV, or other personal loans. We're here to help.


Residential Mortgage Loans
Charlotte State Bank & Trust helps area residents realize the dream of home ownership. We offer a variety of home mortgage loans to fit all kinds of budgets. From the first time home buyer to those who want an investment home mortgage loan, you'll receive expert advice and the kind of personal service you'd expect from your Hometown Bank. Regardless of the mortgage you select you'll appreciate:

  • Quick turn around with all decisions made right here
  • Construction-to-Permanent loans with one closing
We offer Fixed-Rate and Adjustable-Rate Mortgages with terms to fit your budget.

For Personalized Service and current rates, call us:

Home Construction Loans
Charlotte State Bank & Trust helps residents of Charlotte County build their dream of home with one-closing, construction-to-permanent residential mortgage loans.
Home Equity Lines of Credit
A Home Equity Line of Credit may be an excellent way for you to add a pool or spa, or take a vacation. Interest rates are very favorable, call the office most convenient to you or e-mail us at

Powered by ProfitStars

Member FDIC Equal Housing Lender
NOTICE: Charlotte State Bank & Trust is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. The portal and news features are being provided by an outside source - The bank is not responsible for the content. Please contact us with any concerns or comments.