We Are Local & Independent

Since day one, we’ve believed in putting our customers’ interest first. That’s why we remain fiercely independent, because staying local means staying committed to you. Our ability to make lending decisions right here in Sheboygan County matters, especially when it comes to providing personalized financial solutions.

We Are Committed to Our Local Communities

At big banks, loan decisions are often made in distant boardrooms, based solely on numbers—credit scores, income, and assets. But at Oostburg State Bank, we take a different approach.

We see the bigger picture. We understand how a loan impacts you, your family, and the community. As a truly local bank, we will take the time to understand your goals, offer tailored solutions and provide the personalized service you deserve.

We Make Decisions Based on Your Needs

We see more than just numbers—we see people. When we meet to make a loan decision, we evaluate each loan not just by financials, but by how it personally will benefit you. When you need a loan for a house, business or even a new boat, one of our officers will take the time to sit down with you to discuss your options, answer all your questions, and get you into the loan that’s right for you.

We treat everyone like they are our neighbors, our friends, our family… because they are. That’s truly the advantage of being a local independent bank.

We Help You Plan For Your Life

Banking is more than just checking, savings, and loans—it’s about preparing for the future. That’s why we offer a variety of solutions tailored to every stage of life.

But we don’t stop there. Through our partnerships with Oostburg Financial Services* and Flipse Insurance Agency*, you’ll have access to top financial advisors and insurance agents that can help you establish long-term goals, invest wisely, and position you for a strong financial future.

*The products and services offered through Oostburg Financial Services are not products of Oostburg State Bank, are not insured by the FDIC, are not guaranteed by the bank, and may lose principal. Flipse Insurance Agency does not offer Oostburg State Bank products and is not insured by the FDIC.

Your Roots Stay With You

Being a customer of a local bank doesn’t mean you have to live in Sheboygan County to take advantage of what we offer. Many of our customers live outside our current footprint but continue to rely on our financial solutions, no matter where they call home.

With our modern mobile and online banking solutions, you can monitor your accounts from anywhere in the world, and access cash at nearly700 fee-free ATMS.

We Are Banking for Life

As a fiercely independent, locally-owned community bank, we take great pride in offering honest, modern, and practical financial solutions for both individuals and businesses. The interests of our customers always come first. Whether you’re saving for retirement, launching a business, buying a home, or planning your next adventure, we’re here to provide personalized service and the right financial tools to support you every step of the way.