State Savings Bank offers full-service banking throughout northern Michigan — including personal and business banking, mortgage and consumer lending—and a refreshing “Yes, I can!” approach to customer service.

From exceptional Online Banking to free ATM transactions, banking with State Savings Bank is convenient, innovative and user-friendly. 

Since 1901, State Savings Bank has been caring for the financial needs of our neighbors in northwest Michigan. Because our roots run deep here, we can better serve you—whether you're buying a home, running a business, investing for your future, or just looking for a friendly place to bank.

State Savings Bank has demonstrated leadership and stability during times of both economic growth and financial uncertainty. We’ve weathered the Great Depression, two World Wars and the horror and upheaval of the 9/11 attacks. Our bank has been witness to the first credit card, the birth of the ATM, the advent of online banking, and the 2008 financial crisis. Through it all, State Savings Bank has stood strong. Today, we remain a well-capitalized and safe, sound financial services provider.

As this region has grown, State Savings Bank has expanded to meet the changing financial needs of northwest Michigan. Since establishing our original location in Frankfort more than a century ago, we now have banking offices in Benzonia, Beulah, Empire, and Frankfort, Gaylord and Traverse City and a loan center in Houghton Lake. 

Our employees live, work and volunteer in our communities, so when you bank with us, you're being taken care of by someone who knows you. You'll always receive individual attention—the kind of personal attention you'd expect from a good neighbor.

State Savings Bank is proud to have been part of northwest Michigan’s history and we look forward to serving our growing communities and future generations.

An Equal Housing/Opportunity Lender. Member FDIC.

Banking

State Savings Bank - Michigan

State Savings Bank - Michigan's headquarters in Traverse City, MI, United States

Paul Patterson

Robert M. Wolak

Ian Hollands

Kathy Ryckman

The Commercial Lending Team at State Savings Bank - Michigan focuses on providing tailored financial solutions to businesses throughout northwest Michigan. They assess and approve commercial loan applications, manage client relationships, and offer financial advice to help local businesses grow and thrive. By leveraging their in-depth knowledge of the regional market, the team ensures that businesses receive the support they need to succeed.

Commercial Lending Team

The Leadership Team at State Savings Bank - Michigan is responsible for steering the overall strategic direction of the bank, ensuring sustainable growth and financial stability. This includes overseeing key functions such as commercial lending, credit administration, retail banking, and educational initiatives. By leveraging their extensive experience and deep understanding of the local market, the team ensures that the bank remains a trusted, innovative, and customer-centric financial institution for the communities of northern Michigan.

State Savings Bank - Michigan

Org chart

Teams

Commercial Lending Team

Leadership Team

Offices

State Savings Bank - Michigan

Org chart

Teams

Commercial Lending Team

Leadership Team

Offices

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