Crystal Valley Financial Corporation operates as the holding company for First State Bank and a subsidiary of the bank is First State Insurance Agency.
First State Bank has seven offices located in Elkhart and St. Joseph counties of Northern Indiana. First State Insurance Agency has one office located in Middlebury and a second in Goshen.

The Corporation provides a wide range of financial products and services, including business and personal banking, Trust and Wealth Management Services and a full line of Insurance products.


Since it's beginning in 1910, the First State Bank has been committed to delivering "Hometown Values" to its many customers through the utilization of competitive products and it's never-ending commitment to customer service.


Below is the Mission Statement that our Board of Directors, officers and staff follow in meeting our commitment to making the Corporation a leading provider of financial services to produce long-term positive shareholder value.


The mission statement of the First State Bank is to be a stable independent community bank that offers the highest quality products and services to its customers. First State Bank will focus on developing and retaining the highest quality people to deliver long-term sustainable earnings, a strong capital base and increasing shareholder value.


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