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Whether you're saving for a house down-payment, vacation or child's education, let us help you get on the right path with a saving account that fits your needs!

What kind of loan are you looking for? We have helped thousands of individuals, just like you , to finance everything from "the essentials" to a "dream come true".

Agricultural Loans
Commercial Loans
Personal/Consumer Loans
Home Loans
Student Loans


Agricultural Loans
Agriculture is important to our economy in Western Wisconsin and we serve our farm customers with a broad array of products and services designed to meet your ever-changing needs. State Bank of Arcadia has qualified lending officers who understand the complexities of farming. In ag lending, experience counts and our lenders have that experience.

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Agricultural Real Estate

Our agricultural property loans can be used to purchase real estate, refinance debt, or improve your existing property.

  • Easy-to-budget fixed payments.
  • 10 to 25 year amortization.
  • Secured by real estate.
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Operating Lines

Our operating lines allow you to borrow funds throughout the term of the loan. Typically used for crop inputs, repairs, feed, livestock and equipment purchases, and any other ag operating expenses.

  • Credit lines available in an amount to serve your needs.
  • Able to repay and re-borrow at your convenience on revolving credit loans.
  • Flexible repayment terms designed to meet your cash flow’s ability.
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Livestock/Machinery Financing

Purchasing new or used machinery or ready to expand your herd? State Bank of Arcadia has financing available for all or your livestock and machinery needs.

  • Easy-to-budget fixed payments.
  • Credit lines available in an amount to serve your needs and repayment ability.
  • Flexible repayment terms designed to meet your cash flow's ability.
  • 3 to 7 year amortization.
  • Secured by livestock and machinery.
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FSA Guaranteed
We have earned PLP (Preferred Lender Program) lender status with FSA. This is the top status that a lender can hold in the FSA (Farm Service Agencies’) Guaranteed Loan Program.

The benefits of our bank having this status is that we have broad authority in making and servicing FSA Guaranteed Loans to help our customers obtain the financing they need, especially when more lenient loan terms are needed.

The types of FSA Guaranteed loans that are available are:

  • Operating Lines of Credit (OL/LOC)
  • Equipment and Livestock Term Loans (OL)
  • Real Estate and Improvement Loans (FO)
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WHEDA Guaranteed Loan Programs

We utilize all of the Agricultural Financing Programs that WHEDA provides including:

  • CROP - Guaranteed loans for annual crop inputs.
  • FARM - Provides guaranteed loans for agricultural expansion and modernization.
  • Agri Business Guaranty - Provides guaranteed loan to assist producers in development new products using Wisconsin produced raw commodities.
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Contact / More Information


For more information about Agricultural Loans, please contact:

Bruce A. Salzmann , Executive Vice President NMLSR # 508220
Keith V. Witte , Vice President NMLSR # 509053
Kurt C. Johnson , Senior Vice President NMLSR # 439991
Paul R. Lorenz , Senior Vice President NMLSR # 440080
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Commercial Loans

At State Bank of Arcadia we believe the success of our customers leads to a strong community, which benefits all of us. Our customer deposits are invested directly into loans in our community which helps our local economy. One of the key reasons for you to consider banking with us, is that local people who understand you and your business make all of the decisions concerning your needs.

Consult with our experienced lenders to find financing options as well as a variety of commerical services to fit your business needs. Our lenders will quickly respond to your application, set up flexible repayment schedules that work with your cash flow, and offer you easy access to your credit.


Commercial Properties

Our agricultural property loans can be used to purchase real estate, refinance debt, or improve your existing property.

  • Easy-to-budget fixed payments.
  • 10 to 25 year amortization.
  • Secured by real estate.
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Commercial Equipment & Vehicle Loans

Let State Bank of Arcadia assist you with all of your business equipment financing needs. Whether your business requires specialized equipment, office equipment, or fixtures, let State Bank of Arcadia customize a loan tailored for your business.

  • Loan repayment terms tailored to match the useful life of the asset.
  • Flexible terms are available.
  • Competitive rates.
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Working Capital

State Bank of Arcadia offers revolving lines of credit to help with your seasonal cash flow needs. This gives you the opportunity to control your business finances your way.

  • Loan maturities up to one-year term.
  • Revolving line is accessible anytime during the year.
  • Competitive rates.
  • Letters of credit are also available.
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SBA & WHEDA Loans
State Bank of Arcadia utilizes the U.S. Small Business Administration (SBA) and WHEDA (Wisconsin Housing and Economic Development Authority) guaranteed loan programs to help our small business customers obtain the financing they need.

SBA loan programs that the State Bank of Arcadia participates in are the SBA 504 Program, Basic 7(a), and Low-Doc loans. 504 loans provide long term, fixed rate financing for major fixed assets such as land and buildings. The 7(a) loan program can be used to purchase machinery and equipment, real estate property, inventory and/or to purchase an existing business. Low-Doc (Low Documentation) loans are used for loans under $150,000.

WHEDA offers a Small Business Guaranty Program, Linked Deposit Loan Subsidy Program and an AgriBusiness Guaranty Program.


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Contact / More Information


To learn more about agricultural and commercial loans please contact:

Bruce A. Salzmann , Executive Vice President NMLSR # 508220
Keith V. Witte , Vice President NMLSR # 509053
Kurt C. Johnson , Senior Vice President NMLSR # 439991
Paul R. Lorenz , Senior Vice President NMLSR # 440080

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Personal/Consumer Loans
Convenient and flexible options to meet your personal financial needs.
  • Auto Loans
  • Boat Loans
  • Recreational Vehicle Loans
Contact / More Information

To learn more about personal loans please contact:

Josh J. Grzadzielewski, Branch Manager NMLSR # 508122
Nancy A. Filla , Assistant Vice President NMLSR # 508103
Nancy M. Lettner , Executive Vice President NMLSR # 474557
Cynthia M. Thompson, Assistant Vice President NMLSR # 440077


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Home Loans
Our loan options include loans for every need.

State Bank of Arcadia NMLSR #472512

State Bank of Arcadia can arrange a mortgage loan for you that is just as comfortable as your home. Buying, building, renovating, or refinancing your home is a big undertaking and our real estate lenders can make the process quick and simple.


Fixed Rate
  • Rate locked in for full term of loan.
  • For purchase or refinance.
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WHEDA
  • Below market interest rates.
  • Low down payment.
  • Low closing costs.
  • Must meet income and purchase price limits.
  • For purchase or construction.
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Conventional
  • Perfect for unique situations.
  • Loans approved locally.
  • For purchase or refinance.

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New Construction
  • Pay interest only until completion.
  • No limit on draws.
  • Preferred rate for 1st 5 years of loan.
  • Can be converted to fixed-rate loan upon completion of construction.
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Home Improvement

Allows you to borrow against the equity in your home to add on, remodel, replace windows, roof or furnace, etc.

Contact / More Information

For competitive rates, experienced lenders and superior service please contact:

Nancy A. Filla , Assistant Vice President NMLSR #508103
Nancy M. Lettner , Executive Vice President NMLSR #474557
Cynthia M. Thompson, Assistant Vice President NMLSR # 440077


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Student Loans

Deciding how to cover the cost of education is an important decision families make together. Tap the most affordable education funds first.

  1. Use Free Money First – Students and parents should fill out the FAFSA at FAFSA.ed.gov to access need-based grants, and then research and apply for scholarships.
  2. Working Income and College Savings – Students should consider supplementing grants and scholarships with current income from a job and any college savings accounts.
  3. Explore Federal Loans - Congress approved final legislation that prohibits banks from originating federal loans like past years. Federal loans remain available directly through the Department of Education. Ask your school’s financial aid office for details.
  4. Sallie Mae Smart Option Student Loan® - The Sallie Mae Smart Option loan is an ideal solution for students who still need funds after they have maximized free money and federal loans. The Smart Option Student Loan helps students save money, pay off their student loan faster, and build credit.
State Bank of Arcadia has partnered with Sallie Mae® to offer a new student loan program to help families meet the rising cost of college.

Click on “Get Started” to complete an online application and to find out more information.

To learn more please contact:
Janet M. Mueller, Senior Vice President
bankjmm@rkdbank.com
608.323.3331
Toll Free 800.869.8021

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State Bank of Arcadia
Phone: (608) 323.3331 — Fax: (608) 323.3110

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