Loans

State Bank has the loans you need for the things you want. Enjoy competitive rates, flexible terms and a convenient application process. Experience top-rated customer service when you partner with a member of our lending team. Most of our loan decisions are made locally.

Cody Todt

Vice President - Relationship Manager

NMLS # 499357

Branch: (618) 939-7195

Direct: (618) 939-7239

Email: ctodt@sbw.bank

Wedge Branch
501 N. Market St.
Waterloo, IL 62298

Business Hours: 08:00 AM - 05:00 PM Monday - Friday

Cody Todt has over 12 years of banking experience including commercial, small business, and residential lending. He was born and raised in Raymond Illinois and moved to Waterloo three years ago. Cody has been with State Bank since 2023. Cody provides a detailed and customer centered approach to achieve the banking or lending solutions for his customers.

Need a loan?

Find out how much you can afford by getting preapproved or apply to refinance your existing mortgage.

Apply Now

Find the best loan option for you:

We offer a variety of loan options to choose from including fixed rate mortgages, adjustable-rate mortgages, and construction loans. Our Relationship Managers can explain each program and help you decide which best meets your needs.

Have additional questions?

A Relationship Manager is always just a call or email away. Please call us at (618) 939-7194 in Illinois or at (314) 904-3268 in Missouri or email us at mortgage@sbw.bank.

Calculators

Whether you are considering purchasing a new home or deciding if it is the right time to refinance, use our calculators to help you make your decision.

Learn More