Four States Bank
Four States Bank is a de novo community bank headquartered in Carthage, Missouri, serving individual consumers, small businesses, and farmers across southwest Missouri with personal banking, business banking, and lending services through three branches and digital channels.
- Company typePrivate
- Founded2024
- HeadquartersCarthage, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Four States Bank does
Four States Bank (4SB) is a de novo community bank headquartered in Carthage, Missouri, chartered in June 2024 and opened to the public on August 26, 2024. It is the first new bank charter issued in Missouri since September 2008 and operates as a wholly-owned subsidiary of Four States Bancshares, Inc., a bank holding company approved by the Federal Reserve Bank of Kansas City. The bank targets individual consumers, small and medium business owners, and farmers in a four-state region encompassing southwest Missouri, southeast Kansas, northeast Oklahoma, and northwest Arkansas, with three branches currently in Carthage, Joplin, and Springfield (the latter opened February 2026).
The product portfolio spans personal banking (three checking tiers, savings, money market, CDs, IRAs), business banking (small business, commercial, interest-bearing, savings, money market, and corporate services), and a full lending suite including residential mortgages, SBA loans, commercial loans, agricultural loans, and HELOCs. The bank held SBA Preferred Lender Program (PLP) designation as of October 2025, enabling it to make final credit decisions on behalf of the SBA. Technology is delivered through an iOS/Android mobile banking app, an online banking portal, a digital mortgage origination platform powered by Ellie Mae, an online account opening portal, and consumer loan origination via Digital Lending Online, with Mastercard debit cards and MoneyPass surcharge-free ATM access.
The bank generates revenue primarily through net interest income on its lending portfolio (mortgages, SBA loans, commercial loans, agricultural loans, HELOCs) and deposit-related fees. Fee mechanics include transaction-based pricing on small business and commercial checking (e.g., 25¢ per transaction above 200 free on Small Business Checking), monthly maintenance fees on Plus and Premier checking when balances fall below thresholds, and corporate service fees for ACH origination, remote deposit capture, and Positive Pay fraud protection. The GTM approach is community-led, combining physical branch presence with digital channels (online account opening, mobile mortgage applications) and grassroots marketing through social media, community events, and Chamber of Commerce partnerships, with a stated emphasis on local decision-making and relationship banking.
Four States Bank firmographics
Firmographics- Name
- Four States Bank
- Legal name
- Four States Bank
- Website
- https://4sb.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Four States Bank is a de novo community bank headquartered in Carthage, Missouri, serving individual consumers, small businesses, and farmers across southwest Missouri with personal banking, business banking, and lending services through three branches and digital channels.
- Ownership category
- akta.pro rank
Four States Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro industry
- SME Deposits & Business Accounts (Operating, Savings, CDs)Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)Mass-Market Consumer Deposit Banking (Checking/Savings)SBA/Government-Backed & Development Finance Loans
Keywords
Where Four States Bank is headquartered
LocationHeadquarters
- HQ city
- Carthage
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Four States Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: The bank earns interest income from lending activities including personal loans, mortgages, SBA loans, commercial loans, agricultural loans, and HELOCs. This is the primary revenue stream for the community bank.
- Deposit Account Fees: Monthly maintenance fees, transaction fees beyond free limits, paper statement fees. Examples: Small Business Checking charges 25 cents per transaction after 200 free, Commercial Checking charges 15 cents per debit/deposit.
- Checking Account Interest: Interest-bearing checking accounts earn interest on balances, with tiered rates such as 4SB Premier earning 2.02% APY up to $25,000 and 0.25% APY over $25,000
- Corporate Service Fees: Fees for corporate services including ACH origination, remote deposit capture, and Positive Pay fraud protection services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Small Business Checking - $100 minimum, first 200 transactions free, 25¢ per transaction thereafter, free Mastercard debit card, free online/mobile banking, $5 paper statement fee |
| Transaction based/ take rate | Monthly | Commercial Checking with Analysis - $100 minimum, 15¢ per debit/deposit, 8¢ per deposited item, earnings credit available |
| Transaction based/ take rate | Monthly | Business Interest Checking - $100 minimum, $7 service charge unless $1,000 minimum, free first 15 debits/deposits |
| Subscription | Monthly | 4SB Free Personal Checking - $50 to open, no minimum balance, free debit card and online/mobile banking |
| Subscription | Monthly | 4SB Plus Personal Checking - $50 to open, $10/month if balance <$500, earns interest |
| Subscription | Monthly | 4SB Premier Personal Checking - $50 to open, $10/month if balance <$1,000, tiered interest up to 2.02% APY |
| Subscription | Monthly | Personal Savings - $50 to open, $5/month if balance <$100, earns interest |
| Subscription | Pay-as-you-go | Certificates of Deposit - Terms from 3 to 60 months, $1,000 minimum deposit |
| Subscription | Monthly | Business Money Market - $50 to open, $10/month if balance <$1,500, tiered interest rates |
| Subscription | Monthly | Personal Money Market - $10/month if balance <$1,500 |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Four States Bank product offering
Product offeringCore offering
Four States Bank is a community bank providing personal and business banking products, including checking accounts, savings accounts, CDs, IRAs, residential mortgages, SBA loans, commercial loans, and agricultural loans. It serves individuals, small businesses, and farming operations primarily in the four-state region of southwest Missouri, with deposit, lending, and digital banking services delivered through physical branches and online/mobile channels.
Product overview
Four States Bank is a community bank offering a unified suite of banking products and services through its physical branch network and digital banking platform. The portfolio comprises personal banking products (checking, savings, money market, CDs, IRAs) and business banking products (checking, savings, money market, corporate services), alongside lending offerings (mortgages, SBA loans, commercial loans, agricultural loans, HELOCs). Digital banking services include online banking, mobile banking app, mobile check deposit, bill pay, eStatements, budgeting tools, and mortgage calculators. The bank positions itself as Missouri's first new charter bank in 16 years, emphasizing relationship-driven community banking combined with modern technology.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts
- Personal Savings Accounts
- Certificates of Deposit (CDs)
- Individual Retirement Accounts (IRAs)
- Residential Mortgage Loans
- Commercial Loans
- SBA Loans
- Agricultural Loans
Companies that use Four States Bank
Customer profileSegments4 records
Ideal customer profiles3 records
Four States Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature5 records
Four States Bank partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Springfield Area Chamber of CommercecorePartnership with the Springfield Area Chamber of Commerce for ribbon cutting ceremony at new Springfield branch location, demonstrating commitment to local business community and community development in southwest Missouri.
- Debit and Credit Card CompaniescoreFour States Bank partners with debit and credit card companies to issue Mastercard debit cards for business and personal checking accounts, enabling card-based payments and ATM access for customers.
- Reward Program PartnersminorJoint marketing partnerships with reward program companies to offer loyalty and rewards benefits to bank customers as part of the product ecosystem.
- Insurance CompaniesminorJoint marketing partnerships with insurance companies to offer insurance products to bank customers through referral and co-marketing arrangements.
- Ellie MaecoreFour States Bank uses Ellie Mae's digital mortgage platform for online mortgage applications, borrower portals, and loan processing, enabling streamlined digital mortgage lending.
Scale indicators3 records
Recent moves8 records
Expansion highlights7 records
Four States Bank competitors and assessment
Company assessmentBroad incumbents
- Central Bank (Central Bancompany): Mid-sized Missouri banking franchise with commercial and mortgage operations in the Springfield region; 4SB's mortgage leader (Ryan White) previously served as Director of Real Estate there, signaling directly comparable deposit and lending competition.
- Commerce Bank (Commerce Bancshares): Missouri-headquartered regional bank with deep presence in Springfield, Joplin, and southwest Missouri, providing deposit, mortgage, and commercial banking products to the same consumer and SME segments that 4SB targets.
- Arvest Bank: Northwest Arkansas-based regional bank with deep presence across the four-state region, offering consumer, mortgage, and small business banking products comparable to 4SB's portfolio.
- Simmons Bank: Large regional bank headquartered in Arkansas that acquired Liberty Bank (the prior franchise of 4SB's Chairman) and competes directly with Four States Bank across the four-state region, offering a far broader branch network and product suite.
- UMB Bank: Kansas City, Missouri-headquartered regional bank with commercial, treasury, and consumer banking services that overlap with 4SB's corporate services and commercial lending offering in the broader four-state region.
Direct peers
- OakStar Bank: Community bank headquartered in Springfield, Missouri with branch presence in Joplin and the southwest Missouri market, directly competing for the same consumer and small business customers as Four States Bank.
- Guaranty Bank (formerly Guaranty Federal Bancshares): Former community bank in Springfield, MO where 4SB's CFO and several executives previously worked; offered comparable community banking, SBA, and commercial lending products before being acquired, making it a directly comparable predecessor franchise.
- Hawthorn Bank: Missouri-based community bank with locations across central and southwest Missouri, offering consumer deposits, SBA loans, and commercial banking products comparable to 4SB's suite.
- Empire Bank: Springfield, MO-based community bank offering consumer and commercial banking products directly overlapping with 4SB's service area and customer segments.
Regional players
- Equity Bank: Community bank with Kansas and Missouri footprint offering consumer, business, and agricultural lending products; competes for the southeast Kansas and southwest Missouri customer base that 4SB targets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Four States Bank social profiles
Digital presenceFour States Bank compliance and trust
Trust signalCompliance4 records
Four States Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Four States Bank leadership team
Management profileNumber of profiles
Four States Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Four States Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Four States Bank
What does Four States Bank do?
Four States Bank is a community bank providing personal and business banking products, including checking accounts, savings accounts, CDs, IRAs, residential mortgages, SBA loans, commercial loans, and agricultural loans. It serves individuals, small businesses, and farming operations primarily in the four-state region of southwest Missouri, with deposit, lending, and digital banking services delivered through physical branches and online/mobile channels.
Is Four States Bank a public or private company?
Four States Bank is a private company. It is classified as unknown and is currently operating.
When was Four States Bank founded?
Four States Bank was founded in 2024. It employs 11 to 50 people.
Where is Four States Bank based?
Four States Bank is headquartered in Carthage, United States, in the North America region.
How does Four States Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees, checking Account Interest and corporate Service Fees.
Who are Four States Bank's main competitors?
Broad incumbents on record are Central Bank (Central Bancompany), Commerce Bank (Commerce Bancshares), Arvest Bank, Simmons Bank and UMB Bank. Direct peers are OakStar Bank, Guaranty Bank (formerly Guaranty Federal Bancshares), Hawthorn Bank and Empire Bank. Equity Bank is listed as a regional player.
Does Four States Bank have an API?
No public API is recorded for Four States Bank.
What industry is Four States Bank in?
Four States Bank's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 522110 and its SIC code is 6022.