Four States Bank

There's no perfect time to buy a home. There's just the time when you're ready, when you have the right team to help you get there.

Our mortgage team will tell you honestly where you stand, what you qualify for, and what the path forward looks like. No pressure. No runaround. Just a straight conversation.

For every fixed-rate owner-occupied home loan closed, Four States Bank donates $100 to the Child Advocacy Center in Springfield or the Children's Center of Southwest Missouri in Joplin.

Start here: [email protected]



Member FDIC | Equal Housing Lender

Meet Ron: the guy on our mortgage team who once taught two-step and line dancing at a bar in college. True story.

Ron handles real estate loans, car loans, and a whole lot of the work that happens behind the scenes to make sure everything runs the way it should.

What keeps him here? The people. He'll tell you himself that being surrounded by a team with that kind of experience and history makes all the difference.

Off the clock he's deep in conservation work with Ducks Unlimited, playing golf, and making the most of his outdoor kitchen.

Ready to buy? Ron and the rest of our mortgage team are here.

Start the conversation: [email protected]



Member FDIC | Equal Housing Lender

Your phone is your wallet now — and your Four States Bank account is ready for it.

Tap to pay in store, manage your account on the go, set up alerts, and check your balance anytime. All the convenience of a big bank app, backed by people who actually know you.

Local banking. Modern tools. No runaround.

Learn more at 4sb.com.



Member FDIC

To the dads, grandads, mentors, and father figures across the communities we serve: thank you for showing up. Every day, not just today.

Happy Father's Day from all of us at Four States Bank.



Member FDIC

Happy Juneteenth from Four States Bank.

Our branches are closed today to observe the holiday — we'll reopen Monday morning.


Member FDIC

Every home we help someone buy does more than put a roof over their head.

For every fixed-rate owner-occupied home loan closed, Four States Bank donates $100 to the Child Advocacy Center in Springfield or the Children's Center of Southwest Missouri in Joplin — supporting free services for children affected by abuse in the community where your loan originates.

Banking local has always meant investing in the people around us. This is one more way we do that.

Ready to get started? [email protected]



Member FDIC | Equal Housing Lender

You've built something worth investing in. The question is finding a lender who sees it that way.

Four States Bank offers SBA loans for small business owners across Joplin, Springfield, Carthage, and the surrounding communities — startup costs, expansion, equipment, real estate, and more. We make decisions locally, which means faster answers and a team that knows your market because it's ours too.

No runaround. Just a straight conversation about what's possible.
Stop in or connect with us online.



Member FDIC

Your lender should know the difference between Carthage and Joplin. Between a starter home in Nixa and a farm property outside of Carl Junction.

We do. Because we live here too.

Local knowledge. Local decisions. A mortgage process that actually makes sense for where you're buying.

For every fixed-rate owner-occupied home loan closed, Four States Bank donates $100 to the Child Advocacy Center in Springfield or the Children's Center of Southwest Missouri in Joplin.

Reach out to us today: [email protected]



Member FDIC | Equal Housing Lender

Springfield, we're here. 👋

Stop by our brand new Springfield branch, bring a few things, and we'll have you set up the same day, with an account managed by people who know your name and a bank that's invested in this community for the long haul.

We make it easy. You make it local: 4sb.com

Member FDIC

Walking into a home search knowing exactly what you're approved for is a different experience entirely.

Get pre-approved with our mortgage team and you'll have a clear number, a real timeline, and someone local in your corner when you find the right place.

Plus, for every fixed-rate owner-occupied home loan closed, Four States Bank donates $100 to the Child Advocacy Center in Springfield or the Children's Center of Southwest Missouri in Joplin.

Start here: [email protected]



Member FDIC | Equal Housing Lender