Business Details
50+ Years
experience
Your Trusted Community Bank in LaGrange, Indiana
Farmers State Bank has served communities in Northeast Indiana and Southwest Michigan since 1915, establishing itself as a trusted financial institution rooted in local values. Our history of resilience through economic challenges, including surviving the Great Depression without depositors losing funds, underscores our commitment to financial stability. We offer comprehensive personal and business banking solutions, including checking and savings accounts, loans, mortgages, and digital banking tools, while maintaining a strong focus on community development through volunteer initiatives and local partnerships.Our team of experienced professionals delivers personalized service, combining traditional banking principles with modern convenience through mobile and online platforms. As a FDIC-insured institution, we prioritize security and transparency in all financial transactions.
Services
Checking Accounts
Savings Accounts
Mortgage Loans
Business Banking
Online Banking
Agricultural Lending
Credit Cards
Wealth Management
Mobile Banking
Community Investment
Details
- Year established: 1915
Highlights and features
- We've served communities for over 100 years with local decision-making authority
- FDIC-insured institution protecting deposits up to federal limits
- Community reinvestment through volunteer programs and local partnerships
- Full range of personal and business banking services under one roof
- Experienced leadership team with decades of regional banking expertise
Associations and certifications
- FDIC
Services
Personal Banking
Our personal banking services provide comprehensive financial solutions for individual needs. From free checking accounts with no monthly fees to high-yield savings options, we offer tools for everyday financial management. Customers benefit from convenient digital banking access, mobile check deposit, and personalized financial advice from local bankers who understand regional economic conditions.
Business Loans
We specialize in business loan solutions tailored to local enterprises' unique needs. Our lending options include working capital loans, equipment financing, and expansion funding with competitive rates. Business owners appreciate our streamlined application process, quick decision-making, and personalized service from experienced commercial lending officers who understand small business challenges.
Mortgage Loans
Our mortgage lending team offers competitive fixed and adjustable-rate home loans with personalized guidance throughout the process. We provide conventional, FHA, and USDA loan options with local underwriting decisions. Customers benefit from our deep understanding of regional real estate markets and commitment to helping families achieve homeownership goals.
Online Banking
Our digital banking platform enables 24/7 account management through secure web and mobile applications. Features include bill payment, fund transfers, eStatements, and mobile check deposit. Users enjoy real-time transaction tracking and budgeting tools that integrate with financial planning resources to help manage personal or business finances efficiently from any device.
Agricultural Lending
We offer specialized agricultural lending programs designed for modern farming operations. Our loan products cover land purchases, equipment financing, and operating lines of credit with flexible terms. Farmers benefit from our deep agricultural expertise and understanding of crop cycles, livestock operations, and USDA program requirements in our service areas.
People
Joe Urbanski
President & Chief Executive Officer
Joe Urbanski leads Farmers State Bank with over 30 years of banking experience, focusing on community development and financial innovation. He prioritizes local decision-making and customer relationships while guiding the institution's strategic growth and digital transformation initiatives.
Chad German
Executive Vice President & Chief Loan Officer
Chad German oversees lending operations with expertise in credit risk management and loan portfolio strategy. He brings decades of regional banking experience, focusing on commercial and agricultural lending to support business growth and community economic development.
Stacy Merrifield
Executive Vice President & Chief Financial Officer
Stacy Merrifield manages financial operations and investor relations with a focus on maintaining strong capital positions and regulatory compliance. She has over 25 years of experience in financial management for community banks across the Midwest region.
Renea Boots
Executive Vice President & Chief Administration Officer
Renea Boots leads human resources and operational strategy with emphasis on employee development and customer service excellence. Her leadership focuses on maintaining the bank's community-oriented culture while implementing modern HR practices.
Mark Cowen
Executive Vice President & Chief Business Development Officer
Mark Cowen drives business growth initiatives and community engagement strategies. With extensive local market knowledge, he develops programs that strengthen business relationships and expand financial services tailored to regional economic needs.
Questions
What banking services does Farmers State Bank offer?
We provide personal and business checking/savings accounts, mortgages, commercial loans, agricultural lending, online banking, credit cards, and wealth management services.
How can I access my accounts online?
Our online banking portal and mobile app allow 24/7 account access for transactions, bill payments, mobile check deposit, and digital wallet integration.
Is Farmers State Bank FDIC insured?
Yes, all eligible deposits are FDIC-insured up to $250,000 per depositor, per ownership category, through the Federal Deposit Insurance Corporation.
What community initiatives does the bank support?
We actively participate in local events like United Way campaigns, Meals of Hope, and Paddle for Parkview while maintaining our 'Blue Button Banking' community reinvestment philosophy.
How do I apply for a loan?
Visit any branch location to meet with a loan officer, apply online through our secure portal, or contact our lending department directly for personalized assistance.
What are the bank's operating hours?
Branch hours vary by location but typically operate Monday-Friday 8:30 AM-5:00 PM and Saturday 9:00 AM-12:00 PM. Check specific branch details for exact times.
