Running a business is hard enough.
That’s why you need a banker who knows your name and your numbers.
Connect with a Business BankerLocal Decisions. Real Relationships.
We help small business owners across Western Iowa grow with personalized service, relationship pricing, and local decision-making that moves at the speed of business.
Why Business Owners Choose Midstates
Dedicated Banker
Work directly with a banker who understands your industry, your goals, and your growth plans.
Get to Know Us →Fast Local Decisions
No out-of-state credit committees. We make lending decisions right here in our communities.
Explore Lending →Cash Management Solutions
ACH, wires, remote deposit, and fraud tools that keep your business running smoothly.
Explore Digital Tools →Business Banking Solutions
Business Checking
Flexible checking options designed to fit businesses of every size.
View Accounts →Loans & Lines of Credit
From equipment to expansion, we finance what helps your business grow.
See Loan Options →Business Credit Cards
Flexible credit solutions that help manage expenses, streamline purchasing, and support business growth.1
Learn More →Your Business Shouldn’t Be Overpaying for Banking.
Our team conducts a detailed account analysis to identify inefficiencies, review unnecessary fees, and ensure your banking structure supports your growth — not slows it down.
Request a Performance Review“It's the people. They are all personable, always know your name. You feel like you are in a small bank with big lending power.”
Let’s Build Your Business Together.
Connect with a Banker or call 888-910-9707
Start the Conversation
Frequently Asked Questions
How does Midstates Bank deliver value for small businesses?
Through relationship pricing. We review your business statements, clarify your full fee structure, and identify what aligns—or doesn’t—with your needs. Because many business owners have never had their pricing fully explained, we focus on transparency and customization rather than a one-size-fits-all approach.
How is Midstates Bank different from the large national banks?
Decisions are made here—not in a corporate headquarters miles away. Our lenders and leadership live in the communities we serve, giving us firsthand understanding of local businesses and markets. That local perspective allows us to offer more responsive service, smarter underwriting, and solutions built around your goals.
What is a "dedicated banker" and how does that work?
When you bank with us, you get a banker who knows you, knows your business, and is there when you need them. They'll come on-site to get you set up and help you transition to Midstates. No phone trees. No getting transferred to a different person every time you call. Just one banker who's in your corner.
As a business owner, what kind of service and decision turnaround can I expect from Midstates Bank?
Midstates Bank is proud to maintain local underwriting and loan decision-making. This means we can often make decisions quickly, which is important to providing you with quick access to capital and keeping you focused on your business.
Why no fee for employee cards
If you have team members making purchases for your business, you know how quickly fees add up when you're paying for each additional card. Our business credit card allow you to add employee cards at no fee —so you can give your team the tools they need without the extra administrative costs. Plus, you'll have better visibility and control over business spending.
Does Midstates Bank offer the same level of products and services as larger banks
Making investments in our technology, and continually innovating on the products we offer, is a priority for Midstates Bank. Providing personalized service means making it easy to bank where you want to - whether online, mobile, or in person. We want all of our customers to be able to manage and access their money on their own schedules.
1 Elan™ Credit Cards is an added benefit to the clients of Midstates Bank. The relationship of this service is solely between cardholder and Elan™ Visa® Credit Cards.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Midstates Bank is a full-service financial institution with branches throughout western Iowa.
Run your business without trips to the bank.
Remote Deposit is a time-saving tool for businesses. Simply scan checks right from your office and get funds deposited into your account without ever having to visit the bank.