Who will stand behind your family's financial future — when it matters most?

Our Story

Rooted in Waverly.
Built for generations.

State Bank & Trust was chartered in 1905, when Waverly was a thriving railroad town and the future of Black Hawk County was being written brick by brick. Our founders believed that a community-owned bank — one that answered to its neighbors, not distant shareholders — would serve Waverly better.

More than a century later, that belief still guides every decision we make. We don't chase market share. We don't sell products we wouldn't recommend to our own families. We build relationships, and those relationships build the community.

Whether you're a farmer securing operating capital, a business owner planning your next expansion, or a family thinking about estate planning, you'll find the same standard here: honest advice, competitive terms, and a banker who knows your name.