We will extend credit to individuals for meeting personal needs (including family emergencies, vacations, medical or dental expenses). There are two ways to structure this type of a loan: Unsecured Loans are loans in which no collateral is required and Secured Loans which are loans requiring some type of collateral. Collateral can include savings, certificates of deposits, automobiles, or a second mortgage on a home. Subject to credit approval and qualifications.
Loans for new and used automobiles are offered at very competitive rates. This also includes loans for the purchase of recreational vehicles, trucks, boats and motorcycles.
The Cash You Need Is Right Under Your Roof! We offer Home Equity Lines of Credit and Fixed Rate Home Equity Loans.
We offer a revolving line of credit in which the customer’s home serves as collateral. Because the home is likely to be a consumer’s largest asset, many homeowners use their credit line only for major items such as an automobile, home improvements or debt consolidation, and not for day-to-day expenses. Insurance may be required.
Whether you are buying your first home, moving or refinancing your present mortgage, we have an affordable home loan to fit your needs. We’ve been making home loans for almost 100 years. So, you can have the security of knowing that we’ll be right here when you need us. We offer real estate mortgages with an array of terms through our Residential Mortgage Loan Department. Fixed rate or adjustable rate mortgages are available. In order to make your application process as seamless as possible you may bring the following items to your appointment.
Our team of experienced lenders look forward to working with you.
We are uniquely qualified to help you with your lending needs. All decisions are made locally. There are no bureaucracies in far-off cities standing between you and the money you need to take your business to the next level. Our knowledge and investment in the community will allow us to be a valuable partner in fulfilling your business needs.
We want to be your business’s bank. Our officers and staff are dedicated to providing you quality financial services with competitive rates. We know you, now let us know your business.
Decisions made locally from a partner who understands. Our Ag Lenders are experienced in the specialized needs of Ag customers, including farm operations, livestock, machinery purchases and farm real estate.
We want to be your bank. Our officers and staff are dedicated to providing you quality financial services with competitive rates. We know you, now let us help you grow your agricultural business.
CD Brinegar
Ag Business Development / Ag Originator
102 South Main Street, Albia, IA
EMAIL
CD works with new and existing Ag loan customers. He is a graduate of Iowa State University where he majored in Ag Studies and minored in Animal Science and Agronomy. He is a member of the Iowa Stockgrowers Association, Iowa and Local FFA Alumni groups. CD is a former President of Iowa FFA.
Katy McDonald
Branch Manager
Mortgage Loan Officer/ Personal Banker II
102 South Main Street, Albia, IA
Katy joined the bank in 2021 with prior experience in loan processing and mortgage consulting. She is a graduate of Indian Hills Community College and Upper Iowa University having earned a Bachelor’s Degree in Financial Management. She is a member of Rotary and serves on the Monroe County Hospital Foundation Board. Katie specializes in consumer and mortgage lending.
Ruth Neubert
Vice President / Senior Loan Officer, 102 South Main Street, Albia, IA
EMAIL
Ruth is a Senior Lender at the Albia location specializing in Commercial and Agricultural Financing and has over 27 years of banking experience. She is a 2004 graduate of William Penn University with a Bachelor’s degree in Business and a 2014 graduate of the Graduate School of Banking in Madison, WI. She is actively involved in Ottumwa Habitat for Humanity, Monroe County Arts Council, William Penn University Alumni Association and the IBA Leadership Peer Group.
Doug Anderson
Business Development Commercial Loan Originator
320 Church Street, Ottumwa, IA
EMAIL
Doug is a Business Development Commercial Loan Originator with over 10 years of experience in the banking industry, as well as a 2017 graduate of the Iowa School of Banking. He is a 2014 graduate of the Ottumwa Leadership Academy and is very active in Rotary, in which he currently serves as the Assistant District Governor in addition to being a former President of the Ottumwa Rotary Club.
Dawn Benedict
Vice President / Loan Officer
2525 N. Court Street, Ottumwa, IA
EMAIL
Dawn works with Real Estate, Consumer and Commercial Lending. She graduated from Indian Hills Community College and has been in banking for over 30 years. Dawn is a member of the Agency AN TTT Group and President of the Agency Community Development Corporation. She is a 2015 graduate of the Ottumwa Leadership Academy. She enjoys volunteering in the community.
Tim Brcka
Senior Vice President / Senior Loan Officer
320 Church Street, Ottumwa, IA
EMAIL
Tim has over 30 years of experience in the banking and finance industry. He is a graduate of the University of Iowa earning a bachelor of business administration degree in finance. Tim is responsible for the management of the South Ottumwa Savings Bank Loan Department.
Todd Edwardson
Vice President / Ag Loan Officer
320 Church Street, Ottumwa, IA
EMAIL
Todd joined the South Ottumwa Savings Bank Team in January 2023. He grew up in Northwest Iowa and has a Bachelor of Arts Degree in Finance and Banking from Buena Vista University. Todd has spent over 30 years in the banking and finance industry, with over 20 years of experience in Ag & Commercial Lending, primarily in Southeast Iowa. Todd specializes in Ag Lending.
Beth Riley
Vice President / Mortgage Loan Officer
320 Church Street, Ottumwa, IA
EMAIL
Beth has been with South Ottumwa Savings Bank since 2000 and works with Real Estate and Consumer Lending with prior experience in loan processing and deposit services. She graduated from Buena Vista University with a Bachelor’s of Arts Degree in Finance and Banking with focus areas in Business Management and Sociology. Beth is an active member of the Bridge Church in Ottumwa, a member of the Hy-Noon Kiwanis Club and was a 2019 graduate of the Ottumwa Leadership Academy.
Jason Cassady
Market President
101 E Fourth Street, West Liberty, IA
EMAIL
Jason has been with West Liberty State Bank since 2002. He does Real Estate, Consumer, Agricultural and Commercial Lending. He graduated from Iowa State University with a Bachelors Degree of Science. Jason is a member of Rotary, St. Joseph Church and West Liberty Chamber of Commerce. Jason is active in the West Liberty Rotary, youth sports programs, and serves on the Board of Directors of WE LEAD (West Liberty Area Economic Development).
Jason Feldman
Ag Business Development / Loan Originator
101 E Fourth Street, West Liberty, IA
Jason has been in banking for over 7 years and graduated from the IBA Consumer Lending School. He also holds a Bachelor of Science Degree from Clarke College. He is a livestock superintendent for the Muscatine County Fair.
JJ Garcia
Vice President of Business Development / Real Estate & Commercial Loan Officer
101 E Fourth Street, West Liberty, IA
EMAIL
JJ started at West Liberty State Bank in the spring of 2016 and is a native of West Liberty. He has over 15 years of banking experience specializing in real estate lending and building banking relationships. He serves his community as the president of the Park and Recreation Board for the City of West Liberty and enjoys playing softball and golf.
Routing # 073900690
NMLS # 769763
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