• Osceola, IA (641) 342-2175
  • Lamoni, IA (641) 784-3120
  • Winterset, IA (515) 462-5090

buying home


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Customer Testimonials

Customer Testimonials



“American State Bank has been a wonderful place to bank with for the last 25 years.  Marilyn and the ASB staff that I have worked with are great and very professional.”
- Kay Risser

“Thanks to Marcia Pontier, Jorge Avalos and American State Bank. I have established my business to a more functional level. ASB is always willing to help me and to assist me with any question or concern I may have. They have a friendly staff and Jorge is able to translate for me.”

- Griselda Andrade de

“We are always pleased with the personalized service and helpful attitude at American State Bank.”

- Jeff Edwards,
Osceola Farm & Home









"As a long time business owner, I switched to ASB because of their friendly and professional service. They have always been there for me when I needed them."
- Jeanie Sutton,
Owner of Quilt Country
Family Restaurant
“I’ve always enjoyed the convenience of banking at the American State Bank downtown branch office. The staff is so friendly and helpful. Now that my best friend Clara works there my visits are even more enjoyable. She is a shining star that will brighten anybody’s day!”
- Debbie Lynn
"We were high school friends and now we’re banking friends. Rowena always has that personal touch.” 
- Cindy Henry






“Di and Connie worked together at American State Bank 25 years ago, and now we are neighbors in the country.  For the last 25 years, everyone at ASB has always been friendly and very helpful.” - David and Connie Curnes

“Debbie is more than just our banker. She has been our neighbor and friend for over 15 years!”


- Roger & Libby West
“Kevin has been my family’s banker for nearly 20 years. It is nice to know he will be there in the future to help and advise me. He was my natural choice for help with my first home purchase.”

- Travis Thompson






“We have enjoyed banking with Jim over the past 25 years.  The staff we have dealt with over the years have really made ASB what it is today.  Construction and banking is built on long lasting relationships.”

- Jeannie and Randy Short
“I know I can depend on Jorge. I’ve known him since he first moved to Osceola and was in the seventh grade. I could count on him then as my student, and I count on him now at my bank.”

- Dave Tokheim

“Banking relationships with close friends like Elva Downing and family members including mymother Irvel Oshel over the last 25 years is a testament to the success and growth of our bank.”

- Rick Oshel






“The Pontiers are wonderful neighbors and very helpful with our family farm. We’ve known Marcia for years, from the fair board, to the bank, she’s always been great to work with. We look forward to seeing her friendly face every time we come in the bank.”

- Joe & Susie Miller
“Marilyn was always helpful and easy to get along with in high school, just like she is now when my wife Connie and I need a banker. We’ve loyally banked with her for years because we always get the same great service.”

- Dave Flaherty

“The hard working people at American State Bank have been great help with our financial needs over the years. Melissa is always very helpful and we enjoy seeing her friendly face at the bank and here at the fitness center.”

- Bill & Sharon Young






“Mellony has been our banker for over 20 years. We enjoy spending time with Mellony and her family outside the bank, whether it’s attending school functions for her kids, taking a walk, or just chatting on the patio. Local ownership,our knowledgeable and experienced friend and neighbor Mellony, make ASB an easy choice for us.”

- Ron & Sally Riekena

“I trust Rick. We were both raised by farm families who have been part of this community since ‘who knows when’ and we both think it’s important to invest in our hometown community, so we have a great time at events like this."

- Darwin Downing


“American State Bank has stood with us through the good times and bad in the last 25 years.  It is great to bank at a place where you have life-long friends, like Marcia and her family.”

- Jack and Rosemary Cooley






“We appreciate American State Bank and the great working relationship we have with Teresa. They understand the value of doing business locally as they are a locally owned bank.”

- Solutions! Owners Kent & Shelly Thomas

“Courtneys live just down the road, so we’ve watched Connie grow up. When she was a young girl, we trusted her with our kids. Now, nearly twenty years later, we trust her with our finances.” - Rick & Janet Easter

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Customer Testimonials

"I switched to ASB because of their friendly and professional service."

Jeanie Sutton, Owner Quilt Country Family Restaurant

“I’ve always enjoyed the convenience of banking at the American State Bank downtown branch office.”

- Debbie Lynn