Loans/Credit Cards

The State Bank of Kansas is in the business of banking. We want your loan business. Since we are an independent locally owned bank, the decisions are made here. You can actually talk to the person who is making the loan decision. We will service our customers Personally, Promptly and Professionally.

Commercial Real Estate Loans: Our bank offers a wide variety of commercial real estate loans to fit your needs. Loans for owner occupied commercial real estate or investment real estate are offered at competitive terms and interest rates. We try to customize the loan to match your goals. We want your business.

Residential Real Estate Loans: Purchasing a home may be one of the biggest purchases in your life. Wouldn't you like to work with someone you know at a locally owned bank, like The State Bank of Kansas, who knows the market and wants to work with you? Whether you are buying a first or second home, an investment property, refinancing to lower your payment or borrowing to pay for a current need, we can help you. By dealing with our experienced officers, you will be able to analyze the different loans available, get the local lending decision made quickly, and understand the loan terms. Our service is second to none.

Consumer Loans: The State Bank of Kansas offers a wide variety of loan types to fit your personal needs. New or used vehicles you have always wanted, vacations you have dreamed of, school expenses for your children or grandchildren's future, or other personal reasons, our bank is here to help you. Stop by or give us a call.

Agricultural Loans: Since our bank is located in a rural community, we understand the importance of agricultural. We also understand the intricacies specific to farm lending and have loans available for all agricultural needs including but not limited to operating, machinery and equipment purchases, livestock purchased and real estate purchased or refinancings. We can adapt our loans to your needs and help you with the appropriate structure of your debt.

Commercial Loans: We offer loans, both large and small, for purchases, expansion, or working capital should the need arise. If we can be of service to you, please let us try to help you.

Secondary Market Mortgage Loans: Through an affiliate we can now offer a variety of long term fixed rate Real Estate loans. We will work closely with you through the application process until all of the initial documentation is received. The approval process and closing will be completed by our affiliate, but we will be there to help you understand the process should you have any questions. We feel this is a service that will benefit our customers and we are glad to offer it.

Credit Cards: The State Bank of Kansas offers a credit card to individuals and businesses upon approval. We offer competitive terms and interest rates.

USA Patriot Act

Important information about Procedures for Opening a New Account: To help the government fight the Funding of terrorism and money laundering, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Additionally, if you are opening a business account, we will ask for documents that verify the business ownership.