Crystal Valley Financial Corporation operates as the holding company for First State Bank that provides various personal and business banking products and services in Northern Indiana. Its deposits products include checking, savings, and money market accounts, as well as certificates of deposit. The company also offers consumer, personal, and home equity loans and lines; mortgage products; and business loans, term loans, lines of credit, agricultural loans, commercial real estate, letters of credit, and small business administration loans. In addition, it provides trust, wealth management, and investment services; and various insurance products. Further, the company offers debit and credit cards, cash management, automated clearing house, wire transfer, remote deposit, online banking, bill payment, check collection, and night depository services. It serves customers through a network of seven offices located in Elkhart and St. Joseph counties of Northern Indiana. Crystal Valley Financial Corporation was founded in 1910 and is based in Middlebury, Indiana.