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Our Past

Bradford County's only true "community bank" opened its doors in 1957 under the direction of Charley E. Johns, former Governor of Florida. Soon after opening, we approved our first loan of $10,000 to a local farmer, establishing ourselves as "the community's bank." Starting with a mere $59,000 in deposits, the bank grew to over $50 million in total assets by the mid-90s. In 2001, Community State Bank opened a second branch in the town of Lake Butler in neighboring Union County. Since the Bank was chartered, our mission has been to serve the financial needs of the counties and surrounding areas in which we operate. Over the years Community State Bank has weathered real estate spirals, natural disasters, stock market crashes, and other economic challenges to become a premiere financial operations center for Northeast Florida.

Today, we are the only independent, privately held bank in Bradford and Union counties.

Our Present

Everyone who works at Community State Bank has a vested interest in the communities in which the bank serves. For this reason, Community State Bank is proud to present Kasasa, a new way to bank®. Kasasa® offers free personal checking and excellent rewards, whether you're looking for high interest, cash back, or music and movie downloads.

Check out these free Kasasa checking accounts to see which one sounds right for you:

And Kasasa Saver® is a free savings account with rates well above the national average. Have your Kasasa checking rewards automatically transferred to Saver at no cost to you! Saving has never been this easy!

Community State Bank also offers low rates on loans for every important stage of your life. Come see us about financing and skip the red tape at the megabanks.

We also understand that small businesses make up the backbone of our community, and we wish to support them in their efforts. If you're a small business in North Florida, you'll find a number of competitive loans to meet your needs. Where else to get a loan than your community bank, where you are an actual person and not just a number in a computer?

Our Future

Community State Bank has remained true to the dream of our founders: to provide quality service to the community in which we live and work. We are still going strong, and we hope to be there for every important phase of your life, from buying your first home, to starting your own business, to saving for retirement. With our best-in-class products and services, we are truly living out our motto. Community State Bank: Where Today Meets Tomorrow.