Ohio State Bank

Ohio State Bank is a community commercial bank serving Ohio businesses, with SBA Approved Lender status that gives qualifying borrowers access to government-backed loan programs. Its small-business lineup covers the essentials: lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. As a community bank, Ohio State Bank appears to emphasize personal relationships over algorithmic underwriting — a fit for established local businesses that value a banker who knows their name. Website testimonials highlight professional service, a hands-on approach, and attentive fraud monitoring, though the sample is small and self-selected. Specific rates, minimum credit scores, revenue thresholds, and deal sizes are not publicly disclosed, so borrowers will need a direct conversation to gauge fit. For Ohio-based businesses seeking a relationship-driven lender with SBA capabilities, Ohio State Bank seems worth a conversation.