The next Carterville Chamber Business Spotlight of the Week is Farmers State Bank!

Our Promise 

At Farmers State Bank, the core of our story is a simple truth: No One Serves You Better!

We can honestly promise this because we work harder and care more. We’re going to do whatever it takes to make you happy. But it’s not difficult. We simply treat you the way we would want to be treated.

At Farmers State Bank, we remain true to this core value of service because it’s the same on which we were raised. Only, who knew it would also turn out to be a great foundation on which to build a bank.

“You see, Farmers State Bank is independently owned. So we have the freedom to be as friendly and likable as we please. We take our cues from you. And you rely on us to serve you with everything we’ve got, today and for life. We know that kind of lifelong loyalty is only deserved when we provide you with consistently better service than you can find anywhere else.”

Tom Franks, Chairman 

Our History

Thomas W. Franks of Harrisburg, Ill. purchased Farmers State Bank in 1994, and has expanded our business throughout Southern Illinois with four banking locations currently operating in Saline, Williamson, and Union counties.   

Our Mortgage Team

Farmers State Bank offers a variety of fixed and adjustable rate products tailored to fit your needs including: Conventional, FHA, VA, USDA, and Construction loans.

Our lending professionals are committed to providing quality service with a full-team approach to assist you with all of your financing decisions.

“No one serves you better!  It’s not just a motto, it’s what we live by.  Our mortgage team is trained and experienced in all areas of mortgage financing.  From Government guaranteed loans to conventional financing, from fixed to adjustable, we will find the product that fits your needs.  We’re dedicated to providing prompt service and closing faster than our competitors.  We keep our costs low in order to save you money on your next mortgage.  Contact any one of our mortgage specialists for your next mortgage loan.”

John Streuter, Executive Vice President | Chief Mortgage Officer