309-584-4146 | customerservice@joystatebank.com

Online Banking

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Company Information

About Us

Joy State Bank has served the communities of western Mercer County and surrounding areas for over 100 years.  We strive to maintain the values that have resulted in the bank’s longevity:  friendly customer service and providing a broad range of products and services.  With a renewed focus on agricultural lending, we are committed to continuing Joy State Bank’s tradition of helping farmers achieve success in an ever changing and often challenging agriculture industry.  Joy State Bank is also especially committed to helping families own homes and is ready to assist you.  We offer a number of home financing programs and the expertise to help you comfortably move through the financing process.  Our deposit products offer great rates and are accessible 24-7 using our online banking.  Along with our online presence, we maintain offices in Joy and New Boston.  We would like to extend a warm invitation for you to join our family of customers.

The bank’s mission statement remains clear.

“Joy State Bank is committed to being the preferred financial partner with its community.” Join our customer family. Share your goals and dreams with us. Tell us what we can do to help you achieve your personal goals.


Joy Branch Location
Joy State Bank

101 W Main St
Joy, IL 61260

Phone: (309) 584-4146
Fax: (309) 324-2084

Monday, Tuesday, Thursday (8 AM – 4 PM)
Friday (8 AM – 4 PM)
Drive up open until 5 PM
Wednesday, Saturday (8 AM – Noon)

Night Deposit Available

New Boston Branch Location
New Boston Banking Center

412 Main St
New Boston, IL 61272

Phone: (309) 587-8171

Monday, Tuesday, Thursday, Friday, Saturday (8:30 AM – Noon)
Closed on Wednesday

Night Deposit Available

Contact Us

Phone: (309) 584-4146 (Joy)
Phone: (309) 587-8171 (New Boston)
Fax: (309) 324-2084 (Joy)
Email: customerservice@joystatebank.com