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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.

State Savings Bank has demonstrated leadership and stability during times of both economic growth and financial uncertainty. We’ve weathered the Great Depression, two World Wars and the horror and upheaval of the 9/11 attacks. Our bank has been witness to the first credit card, the birth of the ATM, the advent of online banking, and the 2008 financial crisis. Through it all, State Savings Bank has stood strong. Today, we remain a well-capitalized and safe, sound financial services provider.

As this region has grown, State Savings Bank has expanded to meet the changing financial needs of northwest Michigan. Since establishing our original location in Frankfort more than a century ago, we now have loan centers in Traverse City and Gaylord, an investment services office in Traverse City, and banking offices in Frankfort and Empire. State Savings Bank is a subsidiary of CS Bancorp, along with Central State Bank, which has offices in Beulah and Benzonia.

Our employees live, work and volunteer in our communities, so when you bank with us, you're being taken care of by someone who knows you. You'll always receive individual attention—the kind of personal attention you'd expect from a good neighbor.

State Savings Bank is proud to have been part of northwest Michigan’s history and we look forward to serving our growing communities and future generations.