Welcome to our Thought Leadership Blog

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    As always, at State Bank Financial we work to bring you the very best in community banking and continue to challenge ourselves to always be looking forward. Our desire is to be leading in the industry on ideas, solutions and services that help our customers and our communities.

      Our Thought Leadership Blog gives you an opportunity to follow along. We do hope you continue to join us at our area Thought Leadership Series events and when you can't make it, you can always learn more through our Thought Leadership Blog.

      Celebrate 160

      Published: September 25, 2018
      The dust has settled and as we reflect on the summer we can't help but say "Thank you".  Thank you to so many of you that ...
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      WHEDA - Making a difference for first time home buyers

      Published: July 17, 2018
      WHEDA is short for Wisconsin Housing and Economic Development Authority and they are doing great things to help Wisconsin ...
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      Next up: Profitability Fundamentals Workshop

      Published: September 11, 2017
      The Thought Leadership Series continues. State Bank Financial will team up again with EWH Accounting to present a third program ...
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      Feeding, Leading and Hope To See You There

      Published: August 01, 2017
      Here’s a Thought Leadership idea for you to consider. What if a local garden could bring together a community of volunteers ...
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      Even with Existing Student Debt you can still Purchase Your First Home

      Published: July 07, 2017
      As reported in the American Bankers Association Banking Journal, a quarter of prospective first-time homebuyers said they expect ...
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      Thought Leadership Session. June 20, 2018                           

      State Bank Financial will team up with EWH Accounting to present a summer education program for area businesses. This is a Morning and Afternoon session with lunch included. 

      Morning: Cash Flow Essentials – 8:30-12:00

      • Business Cash Flow A - Z
      • Your Financial Statements: Balance Sheet, P & L, Cash Flow Statement
      • How Estimated Tax Payments impact Cash Flow
      • All 3 statements on one easy-to-read page
      • The 3 main drivers of Cash Flow
      • In-depth look at your Income Statement: the importance of knowing your percentages
      • Understand your Cost of Goods Sold and Gross Profit Margin %
      • Determine your break-even point after budgeting for profitability, loan payments
      • Increasing Sales: 4 strategies

      Afternoon: Taxes Essentials – 12:30 – 2:30 

      • The 5 Factors that determine your tax position
      • Why paying off your business loans doesn’t reduce your taxes
      • Understand Pass-Through Entities and the S Corporation option?
      • Understand when you are taxed and taking money out of your business
      • Tax saving vehicles like retirement plans and HSA’s
      • Standard and Itemized deductions
      • The common business and personal deductions to help you reduce your tax liability
      • An overview of reading your personal tax return

      Date and Time:

      • Wednesday, June 20, 2018
      • 8:30 AM – 2:30 PM CDT

      LOCATION: State Bank Financial, 401 Main Street, La Crosse WI 54601

      Cost: FREE, and we'll buy lunch! *Registration will be from 8:00am - 8:30am

      For more information, please contact Angie at 608-781-5625 or Robert at 608.791.4503

      Or click: Cash Flow and Tax Essentials Workshop Registration

      State Bank Financial and EWH accounting are not affiliated businesses and are independently owned and operated.


      Eric Ness, U.S. SBA, WI District Director, presents the

      Eric Ness, U.S. SBA, WI District Director, presents the

      SBA #1 Volume Lender Award to Colin Fleming, at State Bank Financial

      State Bank Financial Recognized as top SBA Lender

      (La Crosse, WI) State Bank Financial was recently recognized as the number one Wisconsin SBA Volume Lender by the Small Business Administration for financial institutions with assets of $300 - $400 Million. State Bank Financial helped 10 different businesses in the state of Wisconsin make use of the SBA Program and coordinate lending of nearly $2 Million in 2017.

      “SBA loans are very popular with new businesses,” said Colin Fleming, Vice President of State Bank Financial. “When we developed the State Bank Financial Small Business Advisory Group 5 years ago this was one of the goals that we had,” said Fleming.  

      Colleague, Robert Warren, State Bank Financial Small Business Relationship Manger went on to say that many times SBA lending is critical for young entrepreneurs, as well as rapidly expanding firms that have been in operation for years. “Open, expand, thrive is a mantra we have at State Bank Financial and SBA loans are tailored to help do just that,” said Warren.   

      On May 10th, State Bank Financial will be recognized at the 29th Annual Wisconsin Lenders Conference for their accomplishment.


      Money Smart Week La Crosse

      April 23 - 28, 2018

      FREE financial education for Children and Adults

      Published April 23, 2018

      April is Financial Literacy month and it is great to see so many financial institutions and organization coming together to support and educate on the topic. So many things to take part in … no matter what your age!

      Get a complete list of events by visiting the Money Smart Week La Crosse webpage.  www.moneysmartlacrosse.com

      State Bank Financial will be sharing with kids as part of the Big Read at two locations. Will be at the La Crosse Wellness Center on April 23, and at West Salem Elementary School on April 24, to help kids get introduced to “Pacer the Pig”.  Pacer is our Piggy Bank Pig and this little State Bank Financial piggy is all ready to help kids understand the value of saving. 

      State Bank Associates will spend time with this coloring storybook and presenting "Pacer the Pig and the Ice Cream Caper". 


      Equifax Data Breach

      One of the biggest news stories lately is that 142 million Americans just found out their personal data may have been compromised during the Equifax data breach.  Click on the links below for important information provided by the Wisconsin Bankers Association.

      Equifax Data Breach Facts

      Equifax Data Breach: WI Banking Industry has Consumers’ Backs

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