A Proud History

Since 1901, State Savings Bank has been caring for the financial needs of our neighbors in northwest Michigan. Because our roots run deep here, we can better serve you—whether you're buying a home, running a business, investing for your future, or just looking for a friendly place to bank.

» CLICK HERE to read more about the history of State Savings Bank.


Central State Bank and State Savings Bank to Merge

After lengthy and careful consideration, the boards of directors of Central State Bank and State Savings Bank have voted to combine our two banks into a single institution. Subject to regulatory approval, the combined bank will operate as State Savings Bank, with offices in Beulah, Frankfort, Benzonia and Empire.

» CLICK HERE to read more information.

» CLICK HERE to read the press release.

Norm Campbell Named President and CEO

We are pleased to announce the appointment of Norm Campbell as president and chief executive officer (CEO) of State Savings Bank. Campbell brings 40 years of banking experience to his new position.

State Savings Bank and Central State Bank are subsidiaries of CS Bancorp. Recently, the two banks announced plans to merge, pending regulatory approval.

» CLICK HERE to read more.

A new website is coming soon!

State Savings Bank is launching an all-new website with a refreshed look and feel.

When the new site launches, visitors to will automatically be redirected to the updated site, which will be hosted at You don’t need to wait to start using the new and improved web address; we encourage you to bookmark it today.

Online Banking will remain the same and you don’t need to make any changes to your account.


11470 S. Leelanau Hwy
(231) 326-4003


703 Main Street
(231) 352-9691

Mortgage Center
527 Main Street
(231) 352-5347


Loan Center
126 E. Main St.
(989) 448-8750


Loan Center
416 E. Front Street
(231) 943-2543

Investment Services
216 Cass Street
(231) 943-2733


By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit