Question 1

What is Metamora State Bank?

Accepted Answer

Metamora State Bank is an independent, locally-owned community bank serving northwest Ohio and the greater Toledo metropolitan area. With approximately $98 million in total assets and three branch locations, the bank specializes in personalized banking services for individuals and small businesses. Operating as one of the few remaining independent community banks in the region, Metamora State Bank emphasizes relationship-based banking where customers are known on a first-name basis.

Question 2

When was Metamora State Bank founded?

Accepted Answer

Metamora State Bank opened its doors on July 1, 1944, in the village of Metamora, Ohio. The bank was originally owned and operated by a husband and wife team with an initial financial base of only $1.5 million.

Founded during World War II, the bank was established to serve the local agricultural and small-town community in Fulton County. In 1985, Metamora Bancorp, Inc. was formed as a one-bank holding company to ensure the institution's continued operation as an independent community bank.

Question 3

Where is Metamora State Bank headquartered?

Accepted Answer

Metamora State Bank is headquartered in Metamora, Ohio, a small village in Fulton County. The main office is located at 120 East Main Street in Metamora, positioned in the western part of the Toledo, OH metropolitan statistical area.

Question 4

Where does Metamora State Bank operate?

Accepted Answer

The bank operates three full-service banking centers across northwest Ohio. The original location remains in Metamora, serving Fulton County and surrounding rural communities.

In 1995, the bank expanded to Sylvania, opening a branch at the corner of Centennial Road and Sylvania-Metamora Road to serve the western Toledo suburbs. The most recent expansion occurred in 2019 with the opening of a third branch on West Dussel Drive in Maumee, Ohio.

All three locations serve the greater Toledo metropolitan area, with particular focus on Fulton County and Lucas County communities.

Question 5

What services does Metamora State Bank offer?

Accepted Answer

Metamora State Bank provides comprehensive personal and business banking solutions. Personal banking services include traditional checking and savings accounts, Kasasa Cash Checking, Kasasa Cash Back Checking, and Kasasa Saver accounts that offer higher yields and rewards for qualified account activity.

The bank offers Certificates of Deposit with competitive rates and frequent specials, Individual Retirement Accounts, and rewards credit cards with cashback and travel perks. Lending services encompass mortgage loans, construction loans, home improvement loans, auto loans, and student loans through College Ave.

For business customers, the bank provides BusinessPlus Checking accounts, business savings, business credit cards, commercial loans, and investment options. All loan decisions are made locally by loan officers who meet directly with customers.

Digital banking services include full-featured online banking introduced in 2001 and continually updated, mobile banking optimized for all devices, and Telebanc, a 24-hour telephone banking information line introduced in 2009.

Question 6

What makes Metamora State Bank unique?

Accepted Answer

Metamora State Bank distinguishes itself as one of the few remaining independent, locally-owned community banks in northwest Ohio. The bank maintains a strong commitment to relationship banking, with employees building personal connections with customers and addressing them by first name.

All lending decisions are made locally rather than at distant corporate headquarters, allowing for more flexible and personalized loan solutions. The bank celebrated its 80th anniversary in 2024, demonstrating remarkable longevity and stability in an era of bank consolidation.

Ownership through Metamora Bancorp, Inc. ensures continued independence and community focus. The bank's board of directors includes local community members who are invested in the region's success.

Customer testimonials consistently highlight the personalized service, with one customer noting they were "treated like we are their only customer," and another praising the bank for taking "a serious and genuine interest" in local businesses.

Question 7

What type of financial institution is Metamora State Bank?

Accepted Answer

Metamora State Bank is a state-chartered community bank regulated by the FDIC (CERT #16167). As a community bank, it focuses on serving the specific needs of its local market area rather than pursuing national scale.

The institution operates as a traditional commercial bank, offering both retail and business banking services. It is owned by Metamora Bancorp, Inc., a one-bank holding company established specifically to maintain the bank's independence and community-oriented mission.

This structure allows Metamora State Bank to remain responsive to local economic conditions and customer needs while maintaining the safety and soundness expected of FDIC-insured institutions.

Metamora State Bank

in the United States 🇺🇸

Crypto-Friendliness

All done!

About Metamora State Bank in the United States