Pursue a Loan for Any Purpose

Personal loans made for you.

Whether you’re buying a car, building a home, or consolidating debt, Charlotte State Bank & Trust makes borrowing easy. Experienced lenders guide you through a quick and easy application process.

Loans subject to credit approval. NMLS #477000

Personal Loans

Consumer Loans

Live for today without sacrificing tomorrow. We make borrowing affordable by offering flexible terms for consumer loans. Choose from personal loans, debt consolidation, and auto, boat and RV loans.

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As a Florida community bank, we know home loans as well as our region’s housing market. We will help you find the right type of loan with the right terms to make your dream of owning a home a reality.

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Home Construction Loans

Achieve your dream of owning a home. Pick the lot and build your house from the ground up. Charlotte State Bank & Trust offers single-closing, construction-to-permanent residential mortgage loans.

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Home Equity Lines of Credit

Reinvest in your home. Fund improvements with a home equity line of credit. Or use your equity to save money by paying off high-interest obligations at a lower rate.

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On Our Minds


Community Banking: Personalized Services with No Hassles



Third-Quarter Market Update



Market Conditions Inspire Optimism