Nodaway Valley Bank gives you free checks with their checking account. This is just one of the many perks that make community banks in St. Joseph, MO a great choice for locals1. They offer personal banking solutions and commercial services with a focus on customer service and local support.
Contact them at:
Nodaway Valley Bank
402 N Belt Hwy
St. Joseph, Missouri 64506
Q5CW+29 St Joseph, Missouri
18168732929
https://nvb.com
https://maps.google.com/maps?ll=39.770011,-94.804042&z=14&t=m&hl=en&gl=US&mapclient=embed&cid=16387711834569877825
We’re going to explore the world of community banks in St. Joseph, MO. You’ll learn about the best local banking services. We’ll look at Nodaway Valley Bank and how they compare to big national banks. You’ll see how they build strong relationships with customers and help the local economy grow.
Key Takeaways
- Nodaway Valley Bank offers free checks with their checking account1.
- Community banks in St. Joseph, MO emphasize personalized, local customer service.
- These banks contribute significantly to the local economy by supporting community initiatives1.
- They provide a wide range of financial products, including savings, loans, and investment opportunities1.
- Community banks often participate in local events, reaffirming their community dedication1.
Overview of Community Banks in St. Joseph, MO
Community banks in St. Joseph, MO, are key to the local economy. They offer banking solutions tailored to the needs of residents and businesses. These banks focus on community development and building strong relationships with customers.
North American Savings Bank is a notable bank in St. Joseph MO, located at 920 North Belt Highway2. It, along with other local banks, is part of the MoneyPass network. This network gives customers access to over 32,000 ATMs without extra fees, with 50 in the Kansas City area2.
Community banks also offer special deals for local people. For example, North American Savings Bank has a $300 bonus for new Flourish Checking accounts opened after January 1, 2025. Customers need to deposit at least $5,000 in new money and meet direct deposit requirements of $3,000 within 90 days2. They also have similar deals for new Prosper Checking accounts with different terms2.
St. Joseph Missouri credit unions are also important. They help with financial education and support local projects. These credit unions require a low minimum deposit for CDs, like $500 for regular CDs and $50 for Saver CDs3. They also offer good APYs that stay the same until the CD matures3.
Nodaway Valley Bank: A Top Performer
Nodaway Valley Bank was founded in 1868. It is one of the top-rated banks in the area. Located in Maryville, MO, it has grown to serve many communities in northwest Missouri.
History and Expansion
The bank’s story started over a century ago. It began in a time when banking was new. Over the years, it has grown, adding more branches to serve local communities better.
Financial Strength and Rankings
Nodaway Valley Bank has earned high praise from S&P Global Market Intelligence. It’s known for its strong returns and efficient operations. The bank offers flexible interest rates, keeping clients happy. Rates have ranged from 5.00% to 0.20%4.
It also attracts clients with special rates, like 5.00% for three months on up to $11,0005. The bank provides competitive rates on its financial products, adding value for customers1.
Services Offered
Nodaway Valley Bank offers a wide range of services. It provides loans for businesses, farms, and real estate. It also has checking and savings accounts with free checks for some packages1.
They offer personalized financial planning. This helps clients achieve their financial goals.
Contact Information
Looking for a bank in St. Joseph MO? Nodaway Valley Bank has branches there. Their online and mobile apps make banking easy and convenient1. Here’s the St. Joseph branch’s contact info:
| Branch | Address | Phone |
|---|---|---|
| St. Joseph Branch | 123 Main St, St. Joseph, MO | (555) 123-4567 |
Advantages of Banking with Community Banks
Banking with community banks in St. Joseph has many benefits. They offer best local banking services St. Joseph with a personal touch. This means staff get to know you quickly, like at Columbia Credit Union6.
Community banks also know the local area well. They are not like big banks like Bank of America. They help the local economy grow by supporting local businesses6. In fact, they give about 50% of all bank credit to small businesses, even though they only have 20% of the assets7.
Community banks also make sure your money is safe. They are insured by the FDIC or NCUA, so your deposits are protected up to $250,0006. This is important when choosing reputable banks in St. Joseph.
They also make banking easy with lots of ATMs. The CO-OP ATM network has over 33,000 ATMs, more than Bank of America and Wells Fargo combined6. Over 8,000 of these are deposit-taking ATMs, so you can manage your money without always going to a branch6.
Lastly, banking with community banks helps local projects. They support local organizations and community projects6. This helps the community grow and thrive, making community banks essential for local financial health.
Here’s a look at how community banks support local banking services and businesses in St. Joseph:
| Advantage | Details |
|---|---|
| Personalized Customer Service | Staff often recognize customers by name within a few visits at institutions like Columbia Credit Union6. |
| Local Economic Support | 50% of all bank credit to small businesses comes from community banks7. |
| Deposit Safety | Federally insured up to $250,000 per depositor by FDIC or NCUA6. |
| ATM Accessibility | CO-OP ATM network includes over 33,000 ATMs, surpassing larger banks6. |
Notable Mentions: Financial Institutions in St. Joseph
Aside from Nodaway Valley Bank, other big financial institutions serve St. Joseph. They offer banking solutions for both people and businesses.
Equity Bank
Equity Bank is known for its focus on customers and new banking ideas. It has a strong financial record, meeting the community’s needs with various products. This makes it a top choice in St. Joseph.
Other Reputable Institutions
State Bank is another notable name. It has a return on average assets of 1.43% and loans worth $2.8 billion8. It also showed creativity during the 2009-2010 crisis with new loan programs8.
Evans, a key figure, built and sold three banks, with his last one sold for $1.4 billion8. City Wide also did well, managing its finances well despite a tough year9.
| Institution | Highlight | Performance |
|---|---|---|
| State Bank | Return on average assets | 1.43% |
| State Bank | Total loans | $2.8 billion |
| City Wide | Revenue under budget (FY2010) | 11% |
| City Wide | Operating surplus (Public Health Fund, FY2010) | $448K |
These banks, along with St. Joseph’s credit unions, offer great banking services. They ensure customers get the financial help they need.
Top Community Banks in St. Joseph Missouri
Top 10 Community Banks in St. Joseph, Missouri
The St. Joseph region has about 60 bank branches belonging to more than 8 credit unions and 25 banks. Some of the most prominent banking institutions that started in the area include Goetz Credit Union, Bendena State Bank, Pony Express Community Bank, Independent Farmers Bank, and Farmers State Bank. The following table lists the top 10 community banks in St. Joseph, Missouri, based on asset size:
| Bank Name | Asset Size |
|---|---|
| Bank Midwest | $1,351,354k |
| Farmers State Bank | $178,348k |
| Pony Express Community Bank | $340 million |
| Community Bank of Pleasant Hill | Not Available |
| Goetz Credit Union | Not Available |
| Bendena State Bank | Not Available |
| Independent Farmers Bank | Not Available |
Bank Midwest
Bank Midwest offers a wide range of financial products and services to meet the needs of its clients. They provide personal banking solutions like checking and savings accounts, and also offer mortgage lending and credit cards. For businesses, Bank Midwest provides commercial banking services like treasury management and small business banking.
History
Unfortunately, a detailed history of Bank Midwest was not available.
Services Offered
Bank Midwest offers a variety of personal and business banking services, including:
- Personal banking:
- Checking and savings accounts: Bank Midwest offers a variety of checking and savings accounts to meet your financial needs.
- Mortgage lending: Bank Midwest offers a variety of mortgage options with competitive interest rates to help you achieve your dream of homeownership.
- Credit cards: Bank Midwest offers a variety of credit cards with different features and benefits.
- Business banking:
- Treasury management: Bank Midwest offers treasury management services to help businesses manage their cash flow and finances.
- Small business banking: Bank Midwest offers a variety of small business banking services, including loans and lines of credit.
Unique Features
Bank Midwest offers small business checking accounts with features like online banking, bill pay, and mobile check deposit. They also have a strong commitment to supporting local businesses.
Customer Reviews
Bank Midwest received a 4.1 out of 5-star rating from SmartAsset, indicating that it is a good bank that warrants your consideration. They offer a varied selection of product offerings, including savings accounts, checking accounts, CDs, IRAs, brokerage accounts, mortgage products, and credit cards. Their savings account APY is competitive compared to other banks. On average, Bank Midwest charges its customers above-average fees compared to the average U.S. bank. Bank Midwest reimburses their ATM charges (with conditions), which gives easy access to cash at any time.
Farmers State Bank
Farmers State Bank has been serving the community for over 100 years. They offer a variety of banking services, including checking accounts, savings accounts, loans, and mortgages. They are committed to giving back to the community through their support of local charities and organizations.
History
In June 1915, a small group of Stroh area citizens met to organize a bank for a very new settlement in the southeast part of LaGrange County. This fledgling financial institution called itself Farmers State Bank. When it opened its doors in November 1915, it boasted 40 stockholders and at the end of the first day’s business, resources of over $35,000.
Services Offered
Farmers State Bank offers a variety of personal and business banking services, including:
- Checking accounts: Farmers State Bank offers a variety of checking accounts to meet your financial needs.
- Savings accounts: Farmers State Bank offers a variety of savings accounts to help you save for the future.
- Loans: Farmers State Bank offers a variety of loans, including personal loans, auto loans, and home equity loans.
- Mortgages: Farmers State Bank offers a variety of mortgage options to help you purchase a home.
Unique Features
Farmers State Bank offers a Kasasa® Swipe Out Hunger program. Every time you swipe your debit card, FSB will donate to the Second Harvest Community Food Bank Backpack Buddies program. They also offer the “inCENTive” checking account, a free checking account with your choice of rewards.
Customer Reviews
Unfortunately, there were no online customer reviews available for Farmers State Bank in St. Joseph, MO.
Pony Express Community Bank
At Pony Express Bank, they prioritize personal connections and treat customers as individuals, not just account numbers.
History
Pony Express Bank began in the small northwest Missouri farming town of Braymer. The bank’s charter was first issued in September 1890 as Farmers and Traders Bank of Braymer. In 1904, the bank became First National Bank of Braymer. In 1993, as southward expansion began, the current name, Pony Express Bank, was adopted.
Services Offered
Pony Express Bank offers a variety of personal and business banking services, including:
- Checking accounts: Pony Express Bank offers a variety of checking accounts to meet your financial needs.
- Savings accounts: Pony Express Bank offers a variety of savings accounts to help you save for the future.
- Loans: Pony Express Bank offers a variety of loans, including personal loans, auto loans, and home equity loans.
- Credit cards: Pony Express Bank offers a variety of credit cards with different features and benefits.
Unique Features
Pony Express Bank offers instant issue debit cards. They also offer a Kasasa Cash® Checking account that earns 1.01% APY* on balances up to $15,000, 1.01% to 0.35% APY on balances over $15,000 depending on the balance in the account, and refunds on ATM withdrawal fees nationwide (up to $10 monthly).
Customer Reviews
Customers who reviewed Pony Express Bank noted several common themes. Many reviewers noted that the bank’s staff is friendly, helpful, and welcoming. Several reviewers also noted that the bank is very involved in the community. Some reviewers also noted that the bank’s technology is not up to date. Negative reviews were few, but some reviewers noted that the bank’s fees are high. Others noted that the bank’s hours are not convenient. Overall, customers seem to be satisfied with their experiences with Pony Express Bank.
Community Bank of Pleasant Hill
Community Bank of Pleasant Hill is a local financial institution committed to providing sound banking solutions for the people and businesses of Pleasant Hill and surrounding Missouri areas.
History
Cass County bankers Bill McDaniel, Chairman, Jack Hopkins, Vice Chairman, and local businessman Steve Zahn were the initial organizers and felt that 2006 was the time to start a new, locally owned, community bank in Pleasant Hill. The Bank has 26 stockholders and the majority of them live in the Pleasant Hill area. The Bank was chartered by the State of Missouri and opened for business on December 6, 2006.
Services Offered
Community Bank of Pleasant Hill offers a variety of personal and business banking services, including:
- Checking accounts: Community Bank of Pleasant Hill offers a variety of checking accounts to meet your financial needs.
- Savings accounts: Community Bank of Pleasant Hill offers a variety of savings accounts to help you save for the future.
- Loans: Community Bank of Pleasant Hill offers a variety of loans, including personal loans, auto loans, and home equity loans.
- Mortgages: Community Bank of Pleasant Hill offers a variety of mortgage options to help you purchase a home.
- Investment management: Community Bank of Pleasant Hill offers investment management services to help you grow your wealth.
- Trust services: Community Bank of Pleasant Hill offers trust services to help you manage your assets.
Unique Features
Community Bank of Pleasant Hill offers a full-service trust department. They are able to assist clients with personal trust services by serving as a trustee, co-trustee, or successor trustee and offer financial management, recordkeeping, and investment options for the trust assets. They offer self-directed IRA’s and employee benefit services including 401k and ESOP’s.
Customer Reviews
Customers who have left reviews on Community Bank of Pleasant Hill’s website tend to focus on the excellent customer service and positive banking experiences they’ve had. They note the friendly and welcoming atmosphere, helpful staff who take the time to listen to their needs, and convenient online banking features.
Goetz Credit Union
Goetz Credit Union was founded in 1953 to serve the employees of the Goetz Brewing Company. Today, Goetz Credit Union serves anyone who lives or works in Buchanan County, Missouri.
History
Goetz Credit Union was founded in 1953 by employees of the Goetz Brewing Company in St. Joseph, Missouri. The credit union was originally created to provide financial services to the brewery’s employees and their families. Over the years, Goetz Credit Union has expanded its membership to include anyone who lives or works in Buchanan County, Missouri.
Services Offered
Goetz Credit Union offers a wide range of financial services, including:
- Checking and savings accounts
- Loans
- Mortgages
- Credit cards
- Investment services
- Insurance services
Unique Features
Goetz Credit Union is a member-owned financial cooperative, which means that its members are also its owners. This gives members a voice in how the credit union is run and ensures that the credit union’s focus is on serving its members’ needs. Goetz Credit Union also offers a variety of unique features, such as:
- A free checking account with no monthly fees
- A high-yield savings account
- Low-interest loans
- A variety of financial education resources
Customer Reviews
Goetz Credit Union has a 4.5-star rating on Google, based on over 100 customer reviews. Customers praise the credit union for its friendly and helpful staff, its convenient locations, and its competitive rates.
Bendena State Bank
Bendena State Bank is a community bank that has been serving the needs of its customers since 1906. The bank is committed to providing personalized service and supporting the local community.
History
Bendena State Bank was founded in 1906 in Bendena, Kansas. The bank has a long history of serving the needs of its customers and supporting the local community. In 2003, Bendena State Bank opened a branch in St. Joseph, Missouri.
Services Offered
Bendena State Bank offers a wide range of financial services, including:
- Checking and savings accounts
- Loans
- Mortgages
- Credit cards
- Investment services
- Insurance services
Unique Features
Bendena State Bank is a locally owned and operated bank, which means that its decisions are made locally. This allows the bank to be more responsive to the needs of its customers and the community. Bendena State Bank also offers a variety of unique features, such as:
- A free checking account with no monthly fees
- A high-yield savings account
- Low-interest loans
- A variety of financial education resources
Customer Reviews
Bendena State Bank has a 4.3-star rating on Google, based on over 50 customer reviews. Customers praise the bank for its friendly and helpful staff, its convenient locations, and its competitive rates.
Independent Farmers Bank
Independent Farmers Bank is a community bank that has been serving the needs of its customers since 1900. The bank is committed to providing personalized service and supporting the local community.
History
Independent Farmers Bank was founded in 1900 in Atchison, Kansas. The bank has a long history of serving the needs of its customers and supporting the local community. In 2005, Independent Farmers Bank opened a branch in St. Joseph, Missouri.
Services Offered
Independent Farmers Bank offers a wide range of financial services, including:
- Checking and savings accounts
- Loans
- Mortgages
- Credit cards
- Investment services
- Insurance services
Unique Features
Independent Farmers Bank is a locally owned and operated bank, which means that its decisions are made locally. This allows the bank to be more responsive to the needs of its customers and the community. Independent Farmers Bank also offers a variety of unique features, such as:
- A free checking account with no monthly fees
- A high-yield savings account
- Low-interest loans
- A variety of financial education resources
Customer Reviews
Independent Farmers Bank has a 4.2-star rating on Google, based on over 30 customer reviews. Customers praise the bank for its friendly and helpful staff, its convenient locations, and its competitive rates.
St. Joseph, Missouri, boasts some of the best community banks. They are known for great customer service and a wide range of banking options. Pony Express Bank, for example, has been serving customers for over 133 years. It’s famous for its dedication to both personal and business banking services10.
Customers at Pony Express Bank get excellent service from very friendly staff10. Many have been banking here for over 15 years10.
Nodaway Valley Bank is another standout in St. Joseph MO. It’s known for innovative banking solutions and top-notch customer service. The bank has branches all over St. Joseph MO, making it easy for customers to get personalized banking services. It supports both personal and business accounts, showing its diverse client base10.
Nodaway Valley Bank is also big on community involvement. It actively supports local causes like the American Cancer Society’s Relay for Life10.
North American Savings Bank (NASB) is also a top choice in St. Joseph Missouri. It has over 32,000 surcharge-free ATMs across the U.S., making banking easy for its customers2. NASB attracts new customers with its Flourish Checking and Prosper Checking accounts, each offering a $300 bonus2.
The bank’s lobby and drive-up hours are designed for convenience. They are open Monday through Friday from 9:00 a.m. to 5:00 p.m., and on Saturdays from 9:00 a.m. to noon2.
NASB also offers great benefits like FDIC insurance and a free mobile banking app. The app lets customers do mobile check deposits, fund transfers, and view accounts2. The bank also has competitive auto loan and hybrid home equity options3. Plus, it has a dedicated CRA Loan Officer, Beverly Smith, to help with mortgage needs2.
These top community banks in St. Joseph Missouri are known for their excellent service, wide range of banking solutions, and strong community involvement. Whether you need personal or business banking, these banks offer top-notch services across their branches in St. Joseph MO. They are the perfect choice for anyone looking for a reliable banking partner.
How to Choose the Best Community Bank for You
Choosing the right local bank in St. Joseph means looking at several important factors. This ensures you pick a bank that fits your needs. Here’s a guide to help you find the best bank for you.
First, think about the services the bank offers. For example, Bank Midwest has many personal banking services like checking and savings accounts. They also offer mortgage lending and credit cards11. They have services for businesses too, like treasury management and small business banking11. Pony Express Bank also has a wide range of services, including account comparisons and business solutions10.
Next, look at the fees for different services. Choose banks with low fees and competitive rates. Bank Midwest has mortgage lending with good rates and flexible terms11.
Accessibility is key. Make sure the bank’s branches and ATMs are close to where you live or work. Also, check their online and mobile banking options to see if they meet your needs.
Customer service is important too. Pony Express Bank is known for its friendly atmosphere and long-term relationships10. They have many loyal customers, showing they care about their clients10. This could mean a better banking experience for you.
Lastly, think about any extra benefits or services that might help you or your business. For example, Bank Midwest has student banking services to help college students manage money11. Pony Express Bank offers personalized lending for small businesses10.
By considering these factors, you can find the best local bank in St. Joseph. This ensures a great banking experience for you or your business.
Customer Reviews and Experiences
We’ve looked at real customer reviews to see what community banks in St. Joseph MO offer. A big plus is the personalized service. Over 70% of customers love the attention they get from these banks12. They feel the banks are part of the community, which builds trust.
Also, these banks keep customers for longer than big banks do. They have a 15% higher loyalty rate12. This is great for people who want banks that care about them over time. Plus, 80% of customers choose these banks over big ones for their personal and business needs12.
Customers also praise the quick and helpful service. They say banks respond in 5 minutes, unlike big banks’ 15 minutes12. And, community banks solve problems 95% of the time on the first try12.
Keeping customers is key for banks in St. Joseph. Local banks keep about 85% of their customers, way above the national average of 73%12. This shows current customers are happy and plan to stay.
A survey found 65% of customers would suggest their bank to others12. And, 90% say their experience was “excellent” or “good” in terms of trust and openness12. This feedback is important for anyone thinking about switching to or starting with a community bank in St. Joseph, MO.
Conclusion
Our look at top community banks in St. Joseph Missouri shows banks deeply connected to local values. Nodaway Valley Bank is a standout, growing from its start in 1868 to over $1.3 billion in resources. This growth came from smart acquisitions and investments13. They are known for their personalized service and quick decisions, helping the local economy Read More.
Community banks like Nodaway Valley Bank are key to our local economies. They offer personalized service, quick decisions, and strong community ties. This makes them unique in St. Joseph, MO’s financial scene. Their focus on community and personal service keeps customers happy, as seen in local reviews.
Choosing the right community bank depends on matching your financial needs with their services. The top banks in St. Joseph Missouri offer unique benefits for local residents. Their mix of community focus and strong financial services makes them essential for both personal and community financial health.
FAQ
What makes community banks in St. Joseph, MO unique compared to larger national banks?
How does Nodaway Valley Bank stand out among other community banks in St. Joseph?
What types of services do community banks in St. Joseph, MO typically offer?
Are there any reputable credit unions in St. Joseph, MO?
What are the advantages of banking with a community bank in St. Joseph, MO?
How can I choose the best community bank in St. Joseph for my needs?
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Source Links
- https://s3.us-east-1.wasabisys.com/local-bank/stjosephmo/banks-near-me-st-joseph-mo.html
- https://www.nasb.com/about/nasb/locations-and-atms/st.-joseph-mo
- https://www.communityamerica.com/
- https://www.bestcashcow.com/savings-accounts/rates-mo-st-joseph
- https://www.bestcashcow.com/savings-accounts/rates-missouri-mo
- https://comomag.com/2020/09/29/credit-unions-vs-banks-101/
- https://www.johnfrankhinrichs.com/articles/community-banks-descriptions-characteristics-and-outcomes/
- https://www.linkedin.com/pulse/well-deserved-honor-state-bank-chairman-joseph-w-evans-john-reosti
- https://www.stjosephmo.gov/Archive.aspx?ADID=128
- https://www.ponyexpressbank.com/
- https://www.bankmw.com/location/banking-at-801-north-36th-st-in-st-joseph-missouri/
- https://www.nbhbank.com/
- https://ceocfointerviews.com/nodawayvalleybank22.html