No stored Google rating available.
FDIC-insured bank offering personal and business checking, savings, home loans, and credit products with 160+ years of banking history and a focus on local communities.
Data compiled from public sources
State Bank Financial is an established financial institution with over 160 years of banking experience, operating as a full-service bank with FDIC insurance backing. The company serves both personal and business customers through a comprehensive suite of financial products delivered via physical branches, online banking, and mobile applications. Their website emphasizes accessibility and community focus, positioning themselves as a bank that "steps forward" for small business support rather than backing away from this segment.
The bank offers a wide range of personal banking products including multiple checking account tiers (Basic, CashBack, Independence, Fifty Checking), savings accounts with rate claims to verify (3% APY for Junior Banker accounts on balances below $10,000), certificates of deposit, IRAs, HSAs, and credit products including home loans, personal loans, auto loans, and Visa credit/debit cards. For business customers, they provide business checking accounts, business savings, treasury management solutions, SBA loans, equipment financing, commercial real estate loans, and agricultural lending including FSA and crop loans. State Bank Financial differentiates itself through listed offerings rarely found at larger institutions: agriculture loans, treasury management solutions for businesses, IOLTA (Interest on Lawyer Trust Account) products, IBRETA (Interest-Bearing Real Estate Trust Account), and Raymond James Financial advisory services through their Platinum Banking tier.
Their mobile app includes debit card controls for fraud prevention, they support Zelle for digital payments, and they market themselves as "Hometown Mortgages" with a local lending approach. The company appears well-positioned for traditional banking customers seeking FDIC-insured products and local community relationships. However, this is a regional or mid-sized bank rather than a national digital-first fintech, so rates and product availability may vary by location.
The website does not provide specific APR information or comparative rate details, requiring customers to call for rate quotes. No mention of premium or promotional offers beyond the Junior Banker 3% APY account is publicly detailed.
This is state-level context for Banks consumers in La Crosse, WI. It does not confirm that State Bank Financial or this specific location is licensed.
State regulator
Wisconsin Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
State Bank Financial processed 82 mortgage applications in 2023, with 96.3% recorded as approved across 4 states.
82
Applications
96.3%
Approval Rate
$249K
Avg Loan
4
States Served
Based on 82 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
State Bank Financial offers 12 services including Personal Checking (Basic, CashBack, Independence, Fifty Checking variants), Personal Savings, Junior Banker Savings, Money Market Accounts, Certificates of Deposit (CDs) - Personal and Business, Home Loans and Home Equity Lines of Credit (HELOC), Personal Loans, Auto/Recreation Loans, Personal Lines of Credit, and 7 more.
State Bank Financial has profile signals associated with Small business owners seeking local relationship banking with treasury management and listed lending, Agricultural customers needing FSA loans, crop financing, and farm-focused financial products, Customers who value debit card cash back rewards (up to $20/month) combined with FDIC protection, Individuals seeking high-yield savings (3% APY) in low-balance accounts and mortgage lending through community relationships.
Key strengths: CashBack Checking account offering 3% cash back on debit card purchases (up to $20/month); Junior Banker savings account with 3.00% APY on balances below $10,000; Full FDIC insurance protection backed by U.S. Government. Areas to consider: Website does not display rates or APR information; customers must call for rate quotes; No clear indication of whether this is a national bank or regional institution, limiting accessibility for out-of-area customers.
In the Banks category, comparable providers include Bank Cmg, Bank of Alma, Bank of Ontario. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
State Bank Financial is profile signals for customers who prefer traditional FDIC-insured banking with local community relationships, particularly small business owners and agricultural customers seeking listed lending. The main caveat is that this appears to be a regional bank without published rates online, requiring direct contact for pricing, and location-dependent account availability limits nationwide accessibility.
Bank CMG is a regional bank offering personal and business banking services including checking, savings, CDs, home loans, and digital banking across 10 Wisconsin locations.
Profile signals: Wisconsin residents seeking community banking with competitive CD rates and multiple branch locations, Small to medium-sized businesses needing treasury management and remote deposit capture services
Independent community bank with four locations in Wisconsin (Alma, Pepin, Nelson, Wabasha) offering checking, savings, loans, and 24/7 online banking access.
Profile signals: Wisconsin residents in Alma, Pepin, Nelson, or Wabasha seeking relationship-based community banking, Customers age 55+ interested in senior-focused banking programs and local service
Community bank serving Vernon County with checking, savings, and digital banking through Bank of Ontario and its affiliated branches Genoa State Bank and Westby State Bank.
Profile signals: Vernon County residents seeking community banking relationships with local branch access, Customers who value personalized service from established community banks
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to State Bank Financial and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.