State Savings Bank
State Savings Bank State Savings Bank


State Savings Bank Specializes in Business Banking Solutions

Although many banks say the same thing, here are six ways we show it.

PartnershipsWealthSpeed | Knowledge | Financing | Value

1. We Build Partnerships

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We operate under the assumption that working together is good business. The more we learn about your business and you learn about us, the better equipped we are to offer suggestions to save you time and help your money work as hard as it can for you. Our CEO’s most commonly used phrase is “communicate, communicate, communicate” and we work at that!

We enjoy meeting with you at your workplace, at the bank, or wherever it's convenient for you.  We send periodic e-mails specially geared for business customers with timely news and tips about the bank or topics relevant to business owners. In short, serving business customers is always top of mind at State Savings Bank.

2. We Want to Build Your Wealth

The State Savings Bank Mission Statement begins with “You.” Here’s our whole statement:

“You are our most valued asset. We commit our resources to help you build wealth.”

Whether you have little or whether you have a lot, we have no greater satisfaction than when we can fulfill our commitment to helping your assets grow.

3. We Are Fast, Flexible, and Local

Our customers come from all over central Iowa from Baxter to West Des Moines for their commercial loans, home mortgages, business checking accounts, and more, and we invest in the communities where they live, work, and play. We are a small community bank that makes decisions quickly and locally.

Our employees in Baxter and West Des Moines do not send off loan proposals to a loan committee in a far-off location and wait until their next scheduled meeting for a decision, no matter if commercial, construction, or business. Instead, we work with you locally, make decisions locally, and work with your timeline.

4. We Understand Business

Business finances are a whole different level of complexity than personal finances. While the basics may be similar, there are so many more moving pieces to manage and business customers need more financial products and services to save time and gain efficiency.

We’ve assembled a team of experienced bankers in both the West Des Moines and Baxter locations who understand this complexity, know that no two situations are alike, and work to offer the best business bank checking and savings accounts, online banking, rewards accounts, HSA accounts, lending solutions, cash management solutions and additional services that fit your unique needs.

5. We Understand Personal Financing

We recognize you have a personal life away from the office, so while we can help you with your business financial needs, we also offer deposit accounts, mortgages, personal loans, IRAs, Health Savings Accounts (HSAs), and a host of other banking products that you need to manage family finances. Having your business and personal finances at the same place saves time and removes an unnecessary level of complexity in a busy life.

6. We Add Value

Cybersecurity is a top priority with us and we spend a lot of time understanding and mitigating threats to keep your money and personal information safe. We can meet with you or your staff to share knowledge and educational resources to help you keep your business cyber secure. This is just one example of the "extras" you get when you bank at State Savings Bank.  

Ready to build your wealth?

Contact Us Today


Business Frequently Asked Questions

  • Why are there no loan rates on your website?
  • Are there different types of business loans?
  • Do I need a federally issued EIN Number to open a business deposit account or obtain a business loan?
  • How fast can a loan decision be made?
  • How long does it typically take to get a business loan?
  • Who can get a business loan?
  • Must I have a business plan to obtain a loan?
  • What information will I need to provide to get a business loan?
  • What documents will I need to open a business deposit account?
  • Should I have a deposit account at the same place I have a loan?
  • Can I transfer funds from my business account?
  • Can I set up automatic payments on my business account?
  • Does my company have to report its beneficial owners to FINCEN?
  • Should I talk to a business banker even if I'm not quite ready for a loan or business deposit account?
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