Longtime lender Scott Goeddel has worked with countless families, farmers, and business owners throughout Monroe County. Whatever your lending needs may be, Scott can help make your dreams a reality.

Hi! My name is Neal Polacek. I have spent my whole life living right here in Waterloo. I graduated from Waterloo High School in 2012. After high school, I attended Southern Illinois University at Edwardsville, graduating in 2016 with a Bachelor’s degree in Finance/Economics. After college, I started at State Bank, where I was a mortgage underwriter for 5 years before becoming a Relationship Manager.

When I am not at work, I enjoy spending time with my family/friends, playing golf and watching sports. I love anything to do with St. Louis sports and Fighting Illini basketball.

My main goal is to build a relationship with each of my customers and help them in any way possible, now and in the future. If you are looking to buy/build a new house, or refinance your current one, please give me a call. I look forward to working with you!

Christina Gilchrist has over 15 years of banking experience, including commercial, small business, and residential lending.  Christina has been with State Bank since 2018.  While a St. Louis native, Christina is proud to be a Columbia, Illinois resident since 2018.  Christina considers herself fortunate to work in and serve this community which has strong roots and multitudes of fantastic small businesses including dining and boutique shopping experiences.  Christina specializes in providing a hands-on, customer centric experience.  Christina wants to get to know each of her clients and find out what’s important to them.