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Your Trusted Community Bank in Northern Indiana
Garrett State Bank has established itself as a trusted community financial institution serving individuals and businesses in northern Indiana. With a commitment to combining traditional banking values with modern technology, we offer a comprehensive range of personal and business banking solutions, including checking and savings accounts, mortgage lending, and commercial loan services. Our team of experienced professionals prioritizes personalized service while maintaining rigorous financial standards, as evidenced by our 5-Star Superior Rating from BauerFinancial. We operate four convenient locations in Garrett, Fort Wayne, and Ashley, each offering extended hours and 24-hour ATM access. Our electronic banking platform provides clients with secure, round-the-clock account management capabilities.Through strategic decision-making and community-focused initiatives, we help clients achieve their financial goals while maintaining the highest levels of security and regulatory compliance. Our FDIC-insured status underscores our commitment to financial stability and customer protection. We continually invest in innovative solutions like CardValet mobile security while maintaining the personal touch that distinguishes community banking. Our mortgage specialists work closely with clients to create customized home financing solutions. As a locally managed institution, we remain dedicated to supporting the economic growth of the communities we serve.
Services
Personal Checking
Business Savings
Mortgage Loans
Electronic Banking
Commercial Lending
Highlights and features
- FDIC-insured accounts protecting your deposits
- Maintained BauerFinancial 5-Star Superior Rating
- Personalized debit card customization service available
- Multiple convenient locations with extended hours
- Secure mobile card management through CardValet
Associations and certifications
- FDIC
What people say
5-Star Superior Rating
Personalized service
Modern technology
Multiple locations
Competitive rates
Services
Personal Checking
Our personal checking accounts offer flexible financial management solutions with features like mobile banking, debit cards, and online bill payment. Designed for everyday use, these accounts help individuals manage cash flow efficiently while earning competitive interest rates. Account holders benefit from 24/7 ATM access and digital security tools like CardValet.
Mortgage Loans
We provide customized mortgage solutions for home purchase and refinance needs. Our lending specialists work closely with clients to create tailored financing plans that consider long-term affordability and financial goals. Available options include fixed-rate and adjustable-rate mortgages with competitive rates and personalized service throughout the loan process.
Business Savings
Designed for growing businesses, our business savings accounts offer competitive interest rates with easy access to working capital. These accounts integrate seamlessly with our commercial lending services and electronic banking platform, providing business owners with comprehensive financial management tools and relationship banking benefits.
Electronic Banking
Our comprehensive electronic banking platform enables 24/7 account management through mobile and online channels. Features include bill payment, fund transfers, e-statements, and real-time transaction alerts. Business clients access specialized tools for cash management and payroll processing while maintaining robust security protocols for all digital transactions.
Commercial Lending
We offer tailored lending solutions for small and mid-sized businesses seeking growth capital. Services include term loans, lines of credit, and equipment financing with personalized underwriting that considers each business's unique needs. Our local decision-making process ensures timely approvals and ongoing relationship support for commercial clients.
People
Brad Erwin
Senior Vice President of Lending
With over 20 years in mortgage lending, Brad leads our residential loan division. He specializes in creating customized home financing solutions while maintaining strict compliance with regulatory standards.
Jerry Parker
CFO/Controller
Jerry oversees all financial operations with 15+ years of banking experience. He ensures fiscal responsibility and regulatory compliance while managing the institution's financial strategy and reporting.
Nathan Perkins
Vice President of Infrastructure
Nathan manages IT security and infrastructure with expertise in financial technology. He leads digital transformation initiatives while maintaining the highest standards of data protection and system reliability.
Kayla Conrad
Vice President and Senior Retail Officer
Kayla directs retail banking operations with a focus on customer experience. She has implemented innovative service protocols that improved client satisfaction scores by 30% over five years.
Kyle Beckman
Branch Manager and Trust Officer
As South Office manager, Kyle oversees daily operations and trust services. He has expanded branch services through community partnerships while maintaining personalized client relationships.
Questions
What are your business hours?
Monday-Friday 9:00 AM - 5:00 PM, Saturday 9:00 AM - 12:00 PM at most locations. 24-hour ATMs available at all branches.
Do you offer online banking services?
Yes, we provide comprehensive online and mobile banking with bill payment, fund transfers, e-statements, and real-time account access.
How can I apply for a mortgage loan?
Contact our mortgage department directly or complete our online pre-qualification form. Our lending specialists will guide you through the process.
Are my deposits FDIC insured?
Yes, all eligible deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum allowed by law.
What business banking services do you offer?
We provide business checking and savings accounts, commercial loans, payroll services, cash management, and specialized lending solutions for growing businesses.
How do I report a lost or stolen card?
Call our main office immediately at (260) 357-3133 or use the CardValet mobile app to temporarily block your card and report the issue.