Community Bank Liberal KS: Your Trusted Financial Partner in the Heart of Kansas

Welcome to Community Bank Liberal KS, your local financial institution dedicated to serving the unique banking needs of Southwest Kansas. We're proud to be a strong and reliable partner in our community, providing a wide range of banking services to individuals, businesses, and organizations. Our commitment to customer satisfaction and community involvement sets us apart as the bank of choice for Liberal and the surrounding area.

Our History: Rooted in the Community

Community Bank Liberal KS traces its roots back to 1904, when a group of local residents founded the Liberal State Bank. Over the years, the bank has grown and evolved alongside the community it serves. In 2017, we joined forces with Southern Pioneer Bancshares, Inc., a regional financial holding company headquartered in McPherson, Kansas. This partnership has strengthened our financial resources and expanded our range of products and services. Today, Community Bank Liberal KS remains a steadfast pillar of the Liberal community, providing the banking solutions that drive growth and prosperity.

Our Services: Meeting Your Financial Needs

At Community Bank Liberal KS, we offer a comprehensive suite of banking products and services to meet the diverse needs of our customers. Whether you're an individual, small business owner, or farmer, we have a solution tailored to your requirements.

For Individuals:

• Checking and savings accounts
• Loan products (mortgages, auto loans, personal loans)
• Credit cards
• Online and mobile banking
• Investment services

For Businesses:

• Business checking and savings accounts
• Commercial loans (equipment financing, working capital)
• Cash management services
• Business credit cards
• Payroll processing

For Farmers:

• Operating loans
• Equipment financing
• Real estate loans
• Crop insurance

Our Commitment to Community

As a community bank, we believe in giving back to the communities we serve. We are actively involved in a variety of local organizations and initiatives, including:

• United Way of Liberal
• Liberal Chamber of Commerce
• Seward County Community College Foundation
• Liberal Community Foundation
• Local schools and youth programs

We are proud to support the growth and vitality of our community through our financial resources and volunteer efforts.

Why Choose Community Bank Liberal KS?

When you bank with us, you're not just choosing a financial institution; you're joining a community of dedicated individuals committed to your success. Here's why Community Bank Liberal KS stands out:

• Local Ownership and Decision-Making: As a community bank, we are locally owned and operated. This means that decisions are made right here in Liberal, ensuring that we are responsive to the unique needs of our community.
• Personalized Service: We value personal relationships with our customers. Our bankers take the time to understand your individual needs and tailor our services accordingly.
• Financial Stability: Community banks are known for their financial stability, thanks to our strong capital positions and conservative lending practices. You can trust us to be there for you, even during economic downturns.
• Community Involvement: We are actively involved in our community, supporting local businesses, organizations, and initiatives. When you bank with us, you're not only taking care of your finances; you're also investing in the future of Liberal.

Tips and Tricks for Effective Banking

• Create a budget: Track your income and expenses to get a clear picture of your financial situation. This will help you set financial goals and make informed decisions about your spending.
• Save early and often: The sooner you start saving, the more time your money has to grow. Consider setting up automatic transfers from your checking account to a savings account on a regular basis.
• Use credit wisely: Credit cards can be a convenient way to make purchases, but it's important to use them responsibly. Pay your bills on time and avoid carrying a balance to avoid high interest charges.
• Monitor your accounts regularly: Keep track of your account activity online or through mobile banking. This will help you detect any unauthorized transactions or errors.
• Talk to a banker: If you have any questions or need financial advice, don't hesitate to contact a banker. We're here to help you make informed decisions about your finances.

Stories of Success

Over the years, Community Bank Liberal KS has had the privilege of helping countless individuals and businesses achieve their financial goals. Here are a few inspiring stories:

Story 1: Growing a Family Business

The owners of a local hardware store approached Community Bank Liberal KS for a loan to expand their business. Our bankers worked closely with them to understand their needs and develop a loan structure that met their requirements. Thanks to the financing, the hardware store was able to expand its product line, hire additional staff, and increase its sales significantly.

Story 2: Investing in a Dream

A young farmer approached Community Bank Liberal KS with a dream of purchasing his own land. Our bankers provided him with a loan that enabled him to make his dream a reality. The farmer was able to purchase a parcel of land, build a new barn, and start his own farming operation.

Story 3: Saving for the Future

A couple in their 50s approached Community Bank Liberal KS to discuss their retirement savings. Our bankers helped them create a savings plan and investment portfolio that would provide them with the financial security they needed in their golden years.

What We Learn from These Stories

These stories illustrate the power of banking with a community bank that is committed to its customers' success. By providing personalized service, tailored financial solutions, and unwavering support, we help our customers achieve their financial goals and make a positive impact on our community.

Community Bank Liberal KS: Your Partner in Progress

Whether you're looking for a place to deposit your savings, borrow money to grow your business, or invest for the future, Community Bank Liberal KS is here to help. With our team of dedicated bankers, full range of financial services, and unwavering commitment to our community, we are your trusted partner in progress.

Visit us at our branch location at 125 N Kansas Ave, Liberal, KS 67901 or contact us at (620) 626-4411 to learn more about how we can serve your financial needs.

Tables and Statistics

Table 1: Assets and Liabilities of Community Bank Liberal KS

Table 2: Loan Portfolio of Community Bank Liberal KS

Table 3: Deposits at Community Bank Liberal KS

Pros and Cons of Banking with a Community Bank

Pros:

• Personalized service: Community banks typically offer a more personalized banking experience than larger banks. Bankers are often able to build relationships with their customers and understand their individual needs.
• Local decision-making: Decisions about loan approvals and other banking services are often made locally, which means that they are more responsive to the needs of the community.
• Community involvement: Community banks are often actively involved in the communities they serve, supporting local businesses, organizations, and initiatives.
• Financial stability: Community banks are known for their financial stability, thanks to their strong capital positions and conservative lending practices.

Cons:

• Limited product offerings: Community banks may not offer as wide a range of products and services as larger banks.
• Lower interest rates on deposits: Community banks typically offer lower interest rates on deposits than larger banks.
• Fewer branch locations: Community banks may have fewer branch locations than larger banks, which can be inconvenient for customers who need to access their accounts in person.