Personal Loans


Vergas State Bank has a variety of loans that can work for you. For example, with a personal loan you can purchase a new house, buy a vacation home, remodel your home or consolidate all your debts into one easy to-make monthly payment. Vergas State Bank can make your dreams come true.

  • Auto Loans
  • Boat Loans

  • Vacation Loans

  • Debt Consolidation

  • Home Purchase Loans

  • Refinance Home Loans

  • Home Equity Installment Loans

  • Construction Loans

You name it, we've got it!  Because we are a community bank, we can originate almost any loan to fit your needs. Call one of our loan officers for current rates and to setup an appointment.


Business Loans


We are the small business loan specialists. We can help you grow your business or start a new one. We offer:

  • Commercial Loans
  • Commercial Real Estate Loans
  • SBA Loans
  • Agricultural Loans
  • Agricultural Real Estate Loans
  • FSA Loans
  • Operating Lines of Credit


Online Banking Enroll now!

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Lobby Hours

Monday-Friday - 9:00am-3:00pm

Drive-Up Window

Monday-Friday - 8:00am-5:00pm
Saturday - 9:00am-Noon

Walk-Up Window

Monday-Friday - 8:00am-5:00pm
Saturday - 9:00am-Noon

Lost or Stolen Card?

If you need to report a lost or stolen Shazam Debit Card call us immediately at 218-342-2481 during regular business hours or 800-383-8000 after hours and weekends.