Four States Bank

Home
United States
Carthage, MO
Four States Bank

Keeping a wealth of dreams close to home. At 4SB, our approach to banking marries the brilliance of digital innovation with the warmth of human connection.

It's not just about managing money; it's about amplifying your financial potential. We're here to make every penny work as hard as you do.

08/28/2026

Four States Bank was founded to bring decision-making back to the communities we serve. That means when you walk in, you're talking to the people who actually make the call — not a call center two states away.

Missouri's first new charter bank in 16 years. Built here. Invested here. Staying here.

08/27/2026

The right location can change everything for a business. The financing shouldn't be the hard part.

4SB commercial loans can help you buy, build, or improve the space your business needs — whether that's an investment property, an owner-occupied building, or land you're ready to develop. Decisions happen locally, with a lender who actually knows the market you're buying in.

Stop by and talk it through with our commercial team.

08/26/2026

Two years ago, Four States Bank opened its doors in Missouri with one goal: bring decision-making back to the communities we serve.

Built here, invested here, and committed to staying here — because banking should mean local people making local decisions, not answers from somewhere else.

Two years in, and that belief hasn't changed. Here's to the community that’s made it possible, and to many years ahead!🎉

08/24/2026

No routing numbers. No waiting. Just your debit card and your money.

Move funds between your own accounts 24/7 — weekends included — using Rapid Transfers.

It's one more way we make banking work on your schedule, not the other way around.

Discover how it works on the My 4SB App today.

08/21/2026

Nobody likes being told to switch banks.

But if your bank is changing, now may be the perfect time to make a choice that’s right for you.

At 4SB, we are local people making local decisions. We are invested in our community and strive to provide the best banking experience for all of our customers.

Make the right switch, and switch to Four States. The bank where we know your name– not just your account number.

08/19/2026

Agriculture doesn't run on a banker's calendar.

Our ag loans do the opposite — flexible terms built around your operation, from lenders who actually understand how good years and hard years work in this business.

Stop by and let's talk about what you need.

08/17/2026

A checking account that pays you back.

4SB Premier Checking earns 2.02% APY on balances up to $25,000 — plus a free debit card, online banking, mobile banking, and e-statements.

Open yours with just $50. Stop by and let’s get you started.

APY = Annual Percentage Yield. Rates are variable and may change after account opening. Fees may reduce earnings. APY accurate as of May 1, 2026. See full account disclosures for details.

08/14/2026

Four States Bank values its partnership with local, district, and regional Small Business Administration (SBA) representatives.

Last week, SBA Region 7 representatives met with Four States Bank Director of Guaranteed Lending and Senior Vice President Scott Tennison, along with Commercial Lender and Senior Vice President Jeff Killian, to discuss ways the SBA can help simplify the lending process for local small businesses and community lenders.

Four States Bank is committed to serving and strengthening our communities by providing funding solutions that help small businesses grow and succeed. We appreciate the support and collaboration of the SBA Region 7 team and thank them for their dedication to enhancing opportunities for local businesses and the communities they serve.

08/13/2026

Myth: you need at least 20% down to buy a home.

Eric Meruelo, our Senior VP of Mortgage Lending, is back to explain why this is not true— and it's one of the most common things that keeps first-time buyers on the sidelines longer than they need to be.

At Four States Bank, we offer loan programs with low down payment options — including FHA, VA, and USDA Rural Development loans — and a local team that will tell you honestly what you actually need to get started.

Buying your first home is one of the biggest decisions you'll make, but the process doesn't have to feel overwhelming. Interested in learning more about the home buying process? Give us a call — we'll take it from there.

08/11/2026

Meet Jeff. Jeff is one of our local commercial and small business lenders.

Having grown up in Southwest Missouri, he attended both high school and college in the area and has deep roots in the community. With 15 years of banking experience, Jeff began his career in underwriting before transitioning into lending.

When he's not at the bank, Jeff enjoys watching his son play sports and spending time outdoors.

Jeff strives to be a valuable resource for his clients, providing insights, guidance, and honest feedback. Building strong relationships is the most rewarding part of his job, and he takes pride in being an advocate and trusted partner for the businesses and individuals he serves.

Address

1946 S Garrison Avenue
Carthage, MO
64836

Website

http://4sb.com/

Alerts

Be the first to know and let us send you an email when Four States Bank posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed Finance Company in Carthage?