As a community bank we provide a wide variety of financial services, but delivered in a personalized manner only small banks can offer. Apple River State Bank was chartered in 1948 and opened in Apple River, Illinois which still remains a locally owned financial institution. As Apple River State Bank evaluated the local markets, it concluded that branches located in the expanding communities of Jo Daviess County was a means of enhancing its long-term opportunities and offering true community banking services. As a result, Apple River State Bank has opened full-service branches in Elizabeth, Galena, Hanover, Scales Mound and Warren, Illinois as well as over 25 ATM's throughout Jo Daviess County. The Apple River State Bank has embraced a philosophy that places customer needs and service above everything else. The Bank's pricing of its services reflects that emphasis by its consistent policy of competitive fees on all deposit and loan products. In addition, the Bank offers trust, investment, and long-term fixed mortgages to better serve our local market. Finally, the Bank is committed to maintaining a strong financial presence in our market. At a time when the financial services industry continues to consolidate and "lose the customer in the shuffle", we've tried to never forget that a bank has the responsibility to make its decisions not just with the bank's interests in mind, but the interests of our customers. It is the mission of the Apple River State Bank to operate as an independent, locally owned and customer responsive bank. We will strive to make our decisions keeping in mind the best interest of: •Our Community •Our Shareholders •Our Customers •Our Employees