Crystal Valley Financial is a one-bank holding company that was formed in 1984. The company s wholly owned subsidiary, First State Bank, was established in 1910. In addition to its main office in Middlebury, Ind., the bank maintains four branch locations in Goshen and Elkhart, Ind. It offers a variety of personal and business banking solutions, such as checking and savings accounts, money market accounts, certificates of deposit and online banking, as well as lending services, including home mortgages and consumer loans. First State Bank also owns 100 percent of the stock of First State Insurance Company. With more than $280 million in assets, Crystal Valley Financial s stock trades under the symbol CYVF.
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