Community banking... the way it used to be.

Local bankers, making local decisions, meeting local needs.

Welcome to Apple River State Bank and First Community Bank of Galena, a locally owned, independent financial institution. As a community bank, we provide a wide variety of financial services delivered in a personal manner that only community banks can offer.

Apple River State Bank was chartered in 1948 and opened its first office in Apple River, Illinois. The Apple River location remains open today with additional offices in Illinois and Wisconsin and over 35 ATMs throughout Jo Daviess County and Southern Wisconsin!

With eight branch locations & over 35 ATM's...

You'll find a friendly smile around every corner!

Find all of our branch and ATM locations here.


Phone Icon
(815) 777-6300
Debit Card Icon
(815) 777-6300
After Hours: (800) 383-8000
Credit Card Icon
(815) 777-6300
Routing Number Icon
Phone Banking Icon
(866) 671-8800
(815) 777-8800

Do you want to switch banks?
We make it easy!

Finally, switching banks is easy! If you’re looking for a hassle-free way of moving you current banking accounts to Apple River State Bank, the
switch is easy with the Apple River State Bank, Bank to Bank Switch Kit.

Download Bank to Bank Switch Kit

Our Community Involvement Stands Out!

We believe community involvement is the power to bring positive, measurable change to the communities in which we operate our business.
Including in-kind and financial donations, employee volunteer days, enduring nonprofit partnerships, and more.
Our community involvement has never been stronger!

Kids Sense
A savings club just for kids!

We believe it's never too early to acquire a "good savings habit," so we have designed a savings club just for kids.

Members receive a special savings bank book and invitations to special events during the year.

Click for more information

Online Services

Online Banking

Provides the convenience of accessing account information 24 hours a day, 7 days a week. Check account balances, verify transactions, transfer funds, make loan payments, view check images, view online statements and more.

Online Bill Pay

Our Online Bill pay feature makes bill payment easy and less time consuming. There is no need for checks or stamps and that saves you money!

Mobile Banking

Everyday Banking Tasks at Your Fingertips! Use Mobile Banking to check your balance, transfer funds, find ATMs and more. It is easy and available 24 hours a day 7 days a week! The user-friendly design makes it quick and easy for you to manage your bank accounts from your phone.

Mobile Deposit

With Apple River State Bank Mobile Deposit, you can make a mobile check deposit directly into your eligible checking or saving s account using the Apple River State Bank Mobile App for supported Apple, Android, and Windows phone devices.

Consumer Real Estate Lending

Whether you are buying, building, or refinancing we will make you feel right at home.
Offering Consumer Loans, Home Equity Loans and Real Estate Loans.
Interest rates vary between loan types and we offer a variety of closing cost options to fit your needs.

Cash Out
Fixed Rate Loan
Auto Loan Special

Commercial and Agriculture Lending

Providing the necessary capital requires sound knowledge and understanding.
From lines of credit, equipment term loans, owner-occupied real estate lending, to specialized loans.
We’ll build the solution that fits your situation.

Line of Credit Loan
Equipment Term Loan
Owner Occupied Loan

Lending Resource Center

Home Buyers Guide
Financial Calculators
Home Refinancing Options

News and Events

Brella Debit Card Protection
Community Club
Go Local