Formed in 1922 to serve the home financing needs of the public, our focus is now on serving the expanded personal and small business banking and credit needs within the communities where we are now located. We have a commitment to personal attention and exceptional service as we strive to be the neighborhood bank where customers are known by name. In addition to a full range of products and services, customers have access to three banking facilities (plus an ATM in Smithville) in the Clay County, Missouri, area with convenient hours, access to over 4,200 ATMs worldwide without fees and surcharges, and access to accounts 24/7 through online banking via the Internet. Further, our customers enjoy no afternoon cutoffs, allowing deposits made during business hours to be credited the same day regardless of the time of day, even on Saturdays. Loan decisions are made locally by our management team and we service almost all our loans.
The Bank is a community-oriented financial institution offering selected financial services to meet the needs of the communities it serves. Although established primarily to meet the home financing needs of the public, the Bank is now a full-service financial institution that serves the expanded credit needs of residents and businesses in its market area. The Bank currently offers a variety of deposit accounts, including personal and business checking accounts, and statement savings accounts, flexible-term certificates of deposit, and individual retirement accounts. The Bank’s lending activity consists of permanent and construction single-family real estate loan financing, loans secured by multi-family and nonresidential real estate, home equity and other consumer lending, and commercial non-real estate financing.