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Letter from the President

In 2014, we celebrated 100 years of providing banking services to generations of clients in the St. Croix Valley.  Although much has changed in the financial industry in those 100 years, our commitment to serving the best interest of our clients and our independent community ownership has remained our highest priority.

Thank you for your help in making our bank a 100 year source of financial stability for the Valley - we truly appreciate your business and the confidence you have placed in us.

Please review our 12/31/2014 Statement of Condition, and I also encourage you to visit www.fdic.gov for our complete 2014 financial results.

Our bank has grown from a single location in Bayport to a network of branches in nearby communities - Stillwater, Oak Park Heights, Hudson and Mahtomedi.  Along with these traditional venues, we have the technology available for you to bank from anywhere, 24 hours a day, 7 days a week.

For 2015, we remain optimistic that that economy is improving, albeit slowly, and we anticipate a continued increase in lending.  The housing market is coming back and interest rates remain very attractive for home buyers.  Please contact one of our lenders if you would like to discuss financing options available to meet your needs.

Now at 100 years old, we've grown into a true financial partner for you, your family, and your business.  We have a full service Trust department, and insurance agency (Valley Agencies) and a non-deposit investment affiliate (Hanzlik Financial) in addition to our traditional banking services.  With these varied services and our staff's expertise, we are ready to assist you throughout your "financial lifecycle."

Thank you again for your continued business.


Sincerely,

Peter J. Clements
President/CEO
NMLS #783249