Four Banks, One Family

We provide flexible checking accounts for daily living, short- and long-term savings accounts, and credit cards to help you meet your financial goals. Our easy-to-use online and mobile banking tools allow you to bank anytime, anywhere. Discover personal products and services designed for you at any of our community banks.

Whether you are searching for a jumbo loan for your luxury residence or a construction-to-permanent loan to build your dream home, our lending experts can simplify the process. All of our banks can also provide home equity lines of credit and other consumer loans.

Preserving and enhancing your assets today benefits you tomorrow. Charlotte State Bank & Trust, Crews Bank & Trust, and Englewood Bank & Trust offer professional investment management services, estate administration services, and trust administration.

Investments are not a deposit or other obligation of, or guaranteed by, the bank, are not FDIC insured, not insured by any federal government agency, and are subject to investment risks, including possible loss of principal.

By taking advantage of our treasury management solutions, you can focus on the core values and operations of your business. ACH origination, business express deposit, and merchant services are available from all four banks. Charlotte Bank & Trust and Wauchula State Bank also provide Positive Pay, a check fraud prevention tool and check reconciliation system to warn you of unconfirmed transactions before they are paid.

With decades of experience providing business banking services to local businesses, we offer customized banking solutions through checking accounts, savings accounts, and business credit cards with low rates, cash back, or flexible rewards.

For almost a century, our family of banks have been financing businesses with term loans and business lines of credit to help grow the communities we serve. We get to know your business so we can design a loan product to achieve your specific goals. Wauchula State Bank also provides Small Business Administration (SBA) loans.

With over 400 years of combined experience, our lenders are very familiar with the local real estate market and committed to providing no-surprise loans. Commercial real estate loans are available from all four banks.

With personalized attention, Wauchula State Financial Services offers high-quality investment services so we can pursue your financial goals together.

Investments are not a deposit or other obligation of, or guaranteed by, the bank, are not FDIC insured, not insured by any federal government agency, and are subject to investment risks, including possible loss of principal.