Loan Services


Business Loans

Whether you are just starting out or an established business, large or small, Wayland State Bank has the type of credit you are looking for. We have all types of loans from equipment or land purchases to operating lines of credit to ensure your business runs smoothly. Please give us a call to check our competitive rates today.


Wayland State Bank offers a full line of consumer products with flexible terms and reasonable rates. If you are looking for any type of personal loan, from automobile and recreational equipment to personal debt consolidations we can help.

Contact your local WSB to see how we can best serve your banking needs!

We pride ourselves on being a community focused bank, with caring personnel that are ready to help you with all of your lending needs through all stages of life. We offer a wide variety of lending options for both business and consumer. Our local decision making provides for quick and efficient processing of your application. Give us a call today to see how we can help you.


Wayland State Bank has a long history of providing quality agricultural products and services to its customers. For over 85 years, the lenders at Wayland State Bank have exemplified the knowledge required to help farm operations grow and prosper. With over 150 years of combined lending experience, our professionals will work hard to ensure you receive the attention you deserve. We have the perfect lender for your specific needs, whether it is livestock, equipment, row crops, or real estate. Let our staff help you realize the goals of your operation. Stop in to one of our three locations today, for great service and competitive rates.

Residential Real Estate

Looking to purchase your dream home? Add extra square footage or remodel your kitchen or bath? Wayland State Bank’s knowledgeable loan officers will help guide you through the process, and provide you with competitive loan options that are right for your situation. Our lenders are the decision makers, so stop in at any of our three locations to discuss how we can help you with home construction, remodeling, additions, purchases, or refinances. Whether you are in a transitional situation or have found the last home you will own, we offer competitive short-term rate options or long-term fixed rate options.

Commercial Real Estate

Have you outgrown your current location due to expansion? Is it time to take the next step to make your business more visible? If you answered yes to these questions, it is time to visit with a Wayland State Bank loan officer regarding our competitive interest rates. Our lenders can assist you with rental homes, multi-family, condominiums, and duplexes; along with warehouses, office buildings, and professional multi-unit buildings. Let us help you prosper. Welcome to a bank where the decisions are made locally by lenders in each of our three locations.