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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.


New Loan Center In Traverse City


State Savings Bank now has a new loan center in downtown Traverse City located at 416 E. Front Street. We would also like to announce that two new mortgage lenders have joined the bank at our new location.  Peggy Campbell is now vice president of mortgage lending and Linda Waisanen has joined as assistant vice president of mortgage lending. 

Click Here to read more information.

Click here to read the press release

Bank Updates

State Savings Bank will be closed Thursday November 27, 2014 for the Thanksgiving Holiday.  We will reopen on Friday November 28, 2014.  We wish everyone a safe and happy Thanksgiving!


Security Update

Digital Insight Digital Banking not impacted by Windows Schannel vulnerability.

We take security threats very seriously and prioritize the secuity of your account information and credentials. You may have heard about the recent Schannel bug in Windows. We want to assure you our online banking vendor has strong security measures in place to prevent this vulnerabilty.





703 Main Street
P.O. Box 1169
Frankfort, Michigan 49635
(231) 352-9691


11470 S. Leelanau Hwy
P.O. Box 476
Empire, Michigan 49630
(231) 326-4003


527 Main Street
Frankfort, Michigan 49635
(231) 352-5347


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