# State bank (United States)

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Published: 2026-10-30T19:43:31.442Z

Updated: 2026-10-30T19:43:31.442Z

In the United States, a state bank is a bank in a U.S. state that is chartered by the government of that state, as opposed to a national bank which is chartered at the federal level.

## Key facts

## Overview

In the United States, a state bank is a bank in a U.S. state that is chartered by the government of that state, as opposed to a national bank which is chartered at the federal level.

## Overview

A state chartered bank cannot have "National" or "Federal" in its name. State banks are chartered and regulated by a state agency (often called the Department of Financial Institutions) in the state in which its headquarters are located.  In addition, state banks that are members of the Federal Reserve are regulated by the Federal Reserve; state banks that are not members of the Federal Reserve are regulated by the Federal Deposit Insurance Corporation (FDIC).  Therefore, virtually every state chartered bank has both a state and federal regulator. There are a very small number of state banks that do not have FDIC insurance.

## List of U.S. banks with "State Bank" in their name

Union State Bank, Alabama Old State Bank (Decatur, Alabama) Farmer's State Bank, Arkansas Farmers State Bank (Conway, Arkansas) Beneficial State Bank, California Ontario State Bank Block, California Farmers State Bank of Cope, Colorado SouthState Bank, Florida Old Bunnell State Bank Building, Florida Hillsboro State Bank Building, Florida Hernando State Bank, Florida Old Bunnell State Bank Building, Florida Carver State Bank, Georgia State Bank of Kamiah, Idaho State Bank of Kooskia, Idaho Illinois State Bank Building American State Bank (Berwyn, Illinois) State Bank of Chicago, Illinois Lake View State Bank Building, Illinois State Bank Building (Collinsville, Illinois) The Elgin State Bank, Illinois First State Bank of Manlius, Illinois: People's State Bank (Orangeville, Illinois) Berwyn State Bank Building, Illinois Haubstadt State Bank, Indiana State Bank of Hammond Building, Indiana Purdue State Bank, Indiana Old State Bank (Vincennes, Indiana) Guttenberg State Bank, Iowa National State Bank (Mount Pleasant, Iowa) State Bank of Stratford, Iowa Tipton State Bank, Iowa Farmers' State Bank (Volga, Iowa) Stockgrowers State Bank, Kansas Dorrance State Bank, Kansas First State Bank (Edna, Kansas) Security State Bank (Eskridge, Kansas) State Bank of Girard, Kansas Farmers State Bank (Lindsborg, Kansas) Mitchell Building-First State Bank Building, Kentucky Louisiana State Bank Building Ruston State Bank, Louisiana Tensas State Bank hostage crisis, Louisiana Citizens State Bank (Odenton, Maryland) Huron Valley State Bank, Michigan Negaunee State Bank Building, Michigan Pioneer State Bank No. 36, Michigan Exchange State Bank, Minnesota Milroy State Bank Building, Minnesota First State Bank (St. Joseph, Minnesota) First State Bank of Le Roy, Minnesota Payne Avenue State Bank, Minnesota First State Bank of Chester, Montana Dayton State Bank, Montana Farmers and Merchants State Bank (Eureka, Montana) Lavina State Bank, Montana Three Valleys State Bank, Montana Rock Creek State Bank, Montana State Bank of Townsend, Montana Farmers State Bank (Adams, Nebraska) People's State Bank (Diller, Nebraska) Germantown State Bank Building, Nebraska Nevada State Bank Silver State Bank, Nevada First National State Bank Building, New Jersey National State Bank (Camden, New Jersey) National State Bank Building, Troy, New York State Bank of North Carolina Milton State Bank, North Carolina State Bank of Antler, North Dakota First State Bank of Buxton, North Dakota Forest River State Bank, North Dakota State Bank of Edinburg, North Dakota Granville State Bank, North Dakota Portal State Bank, North Dakota Albion State Bank, Oklahoma Oregon State Bank Benton County State Bank, Oregon Monroe State Bank, Oregon Delmont State Bank, South Dakota First State Bank of Hazel, South Dakota Citizens State Bank of Henry, South Dakota Ipswich State Bank, South Dakota First State Bank Building (Revillo, South Dakota) Security State Bank (Willow Lake, South Dakota) Wakonda State Bank, South Dakota Woonsocket State Bank, South Dakota State Bank of Tennessee Texas State Bank American State Bank, Texas Happy State Bank Stadium, Texas State National Bank (El Paso, Texas) Farmers State Bank (Georgetown, Texas) State National Bank Building (Houston, Texas) Union State Bank, Florence, Texas Farmers State Bank (Georgetown, Texas) State Bank of Southern Utah State Bank of Wisconsin Union State Bank, Wisconsin Citizens State Bank of Gillett, Wisconsin Glidden State Bank, Wisconsin Horicon State Bank, Wisconsin State Bank of Spring Green, Wisconsin Kraft State Bank robbery, Wisconsin First State Bank of Baggs, Wyoming Sundance State Bank Building, Wyoming

## See also

National Bank Act Bank of North Dakota (only state-owned bank in the United States)

## Sources

- State bank (United States) · Wikipedia: https://en.wikipedia.org/?curid=64317584

Source: Wikipedia contributors — https://en.wikipedia.org/?curid=64317584&oldid=1329114877

Licence: CC BY-SA 4.0 — https://creativecommons.org/licenses/by-sa/4.0/

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