Question 1

What is Four States Bank?

Accepted Answer

Four States Bank is a community bank serving southwest Missouri with a focus on the four-state region (Missouri, Kansas, Oklahoma, and Arkansas). Headquartered in Carthage, Missouri, the bank operates three branches in the Joplin metropolitan area with approximately $81 million in total assets. Four States Bank emphasizes serving small and medium-sized businesses, farmers, and residents throughout the region.

The bank represents a significant milestone as the first new bank charter approved in Missouri since September 2008, reflecting confidence in the economic strength of the Carthage and Joplin area.

Question 2

When was Four States Bank founded?

Accepted Answer

Four States Bank is a relatively new institution that received its charter in 2024, making it the first new bank charter approved in the state of Missouri in nearly 16 years. The bank officially opened its headquarters location in Carthage in 2024, investing more than $1.1 million in the establishment and creating 27 new jobs.

The bank operates as a wholly-owned subsidiary of Four States Bancshares, Inc., which was approved by the Federal Reserve Bank of Kansas City as a Bank Holding Company. Jeff Williams serves as President and CEO, leading the bank's establishment and growth strategy.

Question 3

Where is Four States Bank headquartered?

Accepted Answer

Four States Bank is headquartered in Carthage, Missouri, located in Jasper County in the southwestern part of the state. The headquarters represents a significant investment in the Carthage community and serves as the administrative center for the bank's operations.

Question 4

Where does Four States Bank operate?

Accepted Answer

Four States Bank operates three branches throughout the Joplin, Missouri metropolitan area. Branch locations include the headquarters in Carthage and an additional location in Joplin, serving customers throughout Jasper County and the surrounding four-state region.

The bank's name reflects its strategic focus on serving the area where Missouri, Kansas, Oklahoma, and Arkansas converge, though its current branch network is concentrated in southwest Missouri. The bank has indicated plans for future expansion and job creation as it grows its presence in the region.

Question 5

What services does Four States Bank offer?

Accepted Answer

Four States Bank provides comprehensive banking services with a particular emphasis on small and medium-sized business banking, agricultural lending, and residential services. Deposit products include competitive checking and savings accounts, money market accounts, and certificates of deposit.

Lending services include home mortgages, Small Business Administration (SBA) guaranteed loans, USDA guaranteed loans, and Farm Service Agency (FSA) loans. These government-guaranteed loan programs demonstrate the bank's commitment to supporting business development, agricultural operations, and homeownership in the region.

The bank utilizes modern banking technology to deliver convenient services, including online banking platforms, mobile banking applications, and digital account management tools. Four States Bank emphasizes combining the best available technology with personalized service from experienced banking professionals.

Question 6

What makes Four States Bank unique?

Accepted Answer

Four States Bank holds the distinction of being the first new bank charter approved in Missouri since September 2008, representing a 16-year gap in new bank formation. This achievement reflects both the strength of the southwest Missouri economy and confidence in the bank's business model and leadership team.

The bank was established with explicit support from the Missouri Works program, recognizing its potential to create quality jobs and strengthen the regional economy. The bank's founding created 27 new positions with wages above the county average, demonstrating a commitment to economic development beyond traditional banking services.

As a newly established institution, Four States Bank benefits from modern technology infrastructure and systems built from the ground up, without legacy system constraints. The bank's focus on government-guaranteed lending programs (SBA, USDA, and FSA) positions it as a specialized resource for entrepreneurs, farmers, and business owners seeking growth capital.

The bank's name and regional focus reflect the unique geography of the Joplin area, where four states meet, creating opportunities for cross-border banking relationships and regional economic development.

Question 7

What type of financial institution is Four States Bank?

Accepted Answer

Four States Bank is a State-Chartered Commercial Bank operating under Missouri banking regulations and insured by the FDIC. As a wholly-owned subsidiary of Four States Bancshares, Inc. (a bank holding company approved by the Federal Reserve Bank of Kansas City), the bank operates with a strong capital structure and governance framework.

The bank follows a community banking model with a commercial banking focus, emphasizing relationships with small and medium-sized businesses, agricultural operations, and individual customers. As a newly chartered institution, Four States Bank represents the modern evolution of community banking, combining traditional relationship-based service with contemporary technology and specialized lending capabilities.

Four States Bank

in the United States 🇺🇸

Crypto-Friendliness

All done!

About Four States Bank in the United States