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About Us and Our Mission

About Us

As the 19th century approached its end, ten local businessmen recognized the need for another local financial institution to serve the needs of the growing community of Waterloo. Pooling their capital in the amount of $25,000, these ten individuals became the first shareholders of the State Bank of Waterloo.

The Bank became the first bank in town to offer its customers an innovative service to better meet their needs: Friday evening banking. This tradition remains with all area banks today. A walk-up window was added to the Bank's Main Street Branch in 1989, further extending the Bank's service hours. In 1991, the "Wedge" Branch opened for business at 501 N. Market St., offering drive-up as well as walk-in service.

In May 2004, the Bank's North Pointe Branch opened, replacing the Main Street branch. The modern facility features drive-up banking, a 24-hour ATM and an inviting lobby with coffee bar.

The Bank continued expanding by opening the Valmeyer Branch in September 2007. The branch is a full service branch offering deposits, loans and safe deposit boxes.

State Bank of Waterloo is a leader in technology and innovative services it provides to its customers. Some of our services are email statements, internet banking, online bill pay and instant issuance of personalized debit cards. Our recent enhancements include Mobile and Text Banking.

State Bank of Waterloo, founded in 1894, has a long and distinguished history of service to all of Monroe County. The tradition continues today with the Bank's active participation in funding local bond issues, community involvement with civic organizations, and the sponsorship of local athletic teams. The Bank is committed to remaining as a locally controlled and individually owned community bank.

Mission Statement

It is our mission to:

  • Create and deliver quality financial products and services to residents of our delineated market area;
  • Be the premier or dominant financial institution in our market area -- if not in size, then in quality, in customer satisfaction, and in public perception;
  • Provide a stimulating and challenging work environment that encourages, develops, and rewards excellence;
  • Improve the quality of life and the business environment in our market area by donating time and resources toward worthwhile community projects;
  • Through dedication and commitment to the above, and through a willingness to invest resources to perform this mission, achieve superior financial performance that maximizes the value of our shareholders' interest

free checking

Get rewarded in ways that matter every month.  Choose between high interest earnings or cash back on your debit card purchases.  You'll also get refunds on your ATM fees, nationwide.*  On top of that, enjoy our award-winning service, value-oriented products, and conveniently-located branch offices for any of your banking needs.  Learn More


Bill Pay

Sign up for FREE bill pay service and you can virtually pay anyone, anytime, anywhere you have internet access. It’s a snap to pay your bills without writing checks or paying for postage. It only takes seconds to enroll. Login to Online Banking to sign up today!