Banking designed with community in mind.

We believe partnering with clients is the only way to do business.

We understand each customers' needs are different, and we tailor our services to help you meet your specific goals.

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The State Bank of Downs is a long-standing community partner to individuals, families, and businesses. For more than 125 years, we have thrived by building relationships with our customers, who are our neighbors, friends, and community members. Our focus is always on service, and we provide banking solutions aimed to help our community thrive.

Personal Banking

To us, you’re more than an account balance.

As a community-based bank, we thrive when our customers thrive, so we find solutions that work for you.

We strive to be a partner to our customers throughout their lives, and we enjoy personal connections with each of them. That’s why you’ll always deal with a real person when you bank with us—whether you’re working with us online, in-person, or on the phone, you’ll always talk to someone who is as invested in your future as you are.

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Farmer In Tractor

Agricultural Banking

We're a hometown bank that understands your needs.

State Bank of Downs' agricultural banking products are designed to help you handle the ups and downs of farming.

We support farmers and agricultural professionals with a variety of unique lending products and services that can be as flexible as your business needs them to be. So whether you're upgrading equipment or expanding your operations, we're here to help.

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Mature banking practices & a proven track record

We tailor our banking products to fit your needs because we know one-size banking doesn't fit everyone.


Whether you’re opening a checking account or starting a savings plan, we’re here to help you meet your goals.

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We are an ideal partner for businesses of small- to medium-sized businesses because we understand your business needs reliable, real-time solutions.

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We offer lending and financing solutions for all agricultural needs, including real estate and equipment loans.

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Better Bank, Better Life.

Banking solutions built to fit your life.

We believe there is no better way to focus on service than by getting to know our customers personally, and for more than four generations, we've excelled at making banking better in countless ways. From home to work and now online, we are dedicated to going the extra step to provide superior service.

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