FDIC-Insured · Backed by the full faith and credit of the U.S. Government
At State Bank & Insurance, we make it simple to manage your money, grow your business, and protect what matters most. At State Bank & Insurance, you’re more than an account- you are a part of the community, and we’re here to help you today and plan for what’s next without the hassle of big-bank banking.
Serving Iowa
One community
Locally owned
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I needed my operating line approved before planting. My banker knew my farm, so the answer came in two days, not two weeks. That's State Bank.
From personal banking to agricultural lending, commercial services, and insurance, we’re here for every stage of your financial journey - backed by a local team that knows you by name.
Everyday accounts, savings that actually grow, and a debit card backed by 24/7 fraud monitoring. Same banker, year after year, account after account.
Operating lines that flex with planting and harvest. Equipment, livestock, real estate. Treasury services that scale with your shop. Decisions in days, not weeks.
Buying, building, refinancing, or tapping equity. Pre-approval in 24 hours, in-house underwriting, and a lender who picks up the phone when you call.
In 1980, Wayne Johnson bought the Everly State Bank with one belief: banking should be done by people who live where their customers live. Forty-five years later, his son Ryan runs the bank with the same belief, only stronger.
We're $75 million strong and rooted in northwest Iowa. Family owned through every recession, every harvest, every flood, and every boom. While big banks chase quarterly returns, we chase the same goal we did in '80: be the bank that knows you.
That's why local farmers, families, contractors, and main-street shops choose us, and stay with us for generations.
Put your savings to work with a Certificate of Deposit. Choose from a variety of term options and enjoy a guaranteed return with the security of knowing exactly what to expect.
Free checking, mobile deposit, debit card, and zero surprise fees.
Tap your home's value for renovations, tuition, or debt consolidation, at rates well below credit cards.
Four lenders. Forty years of combined local experience. Book a chair and a cup of coffee.
Big-name agencies write whatever their parent company tells them to. We write whatever protects you best.
State Bank & Insurance is a fully independent agency, which means we shop dozens of A-rated carriers for every policy. You get the right coverage at the right price, reviewed every renewal, by an agent who already knows you from across the lobby.
Carriers compared
Quote turnaround
Local agents
Dwelling, contents, liability, umbrella.
Operation, equipment, livestock, crop hail.
Cars, trucks, boats, RVs, ATVs.
Commercial property, liability, group, term & whole life.
★★★★★
Working with the State Bank always been a great experience. The team is always friendly, knowledgeable and quick to help answer any questions or financial needs. We appreciate their professionalism, reliability and commitment to supporting our business needs. We highly recommend them to anyone looking for a trusted banking partner.
Spencer, Iowa
★★★★★
State Bank has been a true partner for all my banking needs. Whether you have complex needs for an active farming operation, small business or simply opening your child's first savings account, State Bank is here to take care of you. The friendly and helpful staff makes you want to come into the office for all your banking needs.
Nolan Hauge Farms · Spencer, Iowa
★★★★★
Ryan and Lenah were incredible to work with when we were making a big life decision purchasing a farm. They made it easy as possible. The staff is always so kind and helpful.
Spencer, Iowa
Stop in. Have a coffee. Meet your banker. We've been part of Spencer, Everly, and Peterson longer than most of our customers have been alive, and we plan to be here a long while longer.
Open an account in just minutes. Schedule time with a lender. Or just stop by and have a cup of coffee. We're easy to find.
