Founded in 1908, Kalamazoo County State Bank is the oldest independently owned and operated community bank in Kalamazoo County. The driving force that led to the bank’s formation over ten decades ago came from the Krum and Angell families. Members of both families saw the need for hometown banking services for Schoolcraft and its surrounding communities. Today, members of both families are shareholders and board members. The bank’s main office is located in Schoolcraft. The Mattawan branch was established in the early 1970s and the Vicksburg branch opened its doors in 1996.
KCSB’s goal is to provide local, reliable and friendly solutions to the individuals, families and businesses in our communities as they pursue their financial journeys. One of the greatest advantages we can offer our customers is our status as their locally owned and operated community bank. Because we are locally owned, we are able to put our customer’s personal financial needs above everything else we do. We are here to listen to our customers, get to know them personally, and focus on their financial success.
With over “100 Years of Caring” we strive to give back to the communities we serve, helping to make a difference for our children, our families and our businesses. We are your local community bank. Please visit us online and in our branch offices. We look forward to serving you on your financial journey
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154