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Rich history in hometown Niobrara bank: At the heart of every community are the merchants who live and work there

by Wyoming Livestock Roundup

Lusk – The town of Lusk was founded in 1886 by Frank S. Lusk. The town has a colorful background filled with outlaws, railroad and stagecoach routes, though today, the town is fairly quiet compared to the booming days of oil fields and settlers.

Highway Routes 20 and 18 continue to be home for many truckers and tour- ists traveling to and from Nebraska, South Dakota and Colorado. The town of Lusk is more than a stopping point to a vacation destination: It consists of the Oregon Trail Historic Marker, breathtaking views, locally-owned businesses and many ranchers

Local bank

Located on south Main Street, the Lusk State Bank is proud to serve the Niobrara County community and provide assistance for all types of financial need.

The Lusk State Bank and was founded on May 8, 1924, according to the Lusk State Bank webpage. The building consists of several historical artifacts, including the original vault, which is located within the main vault, says Lusk State Bank President Jay Hammond.

“The bank has been a community bank ever since its establishment and offers an array of services,” he shares.

Account options

The Lusk State Bank offers a variety of checking options to fit customers personal and business needs, shares the Lusk State Banks webpage.

They offer personal and business checking accounts, personal and health savings accounts, money market checking accounts and several investment accounts with Individual Retirement Accounts and Time Deposits: Certificate of Deposit – an investment opportunity with a fixed rate of interest for a specific period of time.

The Lusk State Bank also offers online banking and has availability to help current and new customers set up online banking services. They also offer several different financial calculators, shares their webpage.

Customers are able to easily calculate simple savings, fixed rate payments, credit card repayments and bi-weekly mortgage payments all from the simple click of a button.

Loan opportunities

“We offer various products that meet our customers’ needs,” says Jay. “We offer agriculture operating loans, livestock and pasture- land loans,” he says.

The Lusk State Bank offers commercial and agriculture loans of all types. Loan officers visit with customers on their borrowing needs and discuss loan needs and details.

Consumer loans can serve new or used automobiles, recreational vehicles or other personal needs. There are several loan officers at the Lusk State Bank who are experts in their fields, shares Jay.

A loan application is easily accessible through the Lusk State Bank webpage.

Bank pride

The bank takes pride in providing quality customer service and has several employees who assist with customer needs.

In addition, the bank also has a board of directors. Members include Niobrara County locals Eugene Kupke, Shelly Larson, Kenny DeGering, Tom Dooper, Jay Hammond, Dale Hytrek, Jake Reed, J.D. Wasserburger and Tom Wasserburger.

The bank is open Monday through Friday from 9 a.m.-4 p.m. with the drive-up being open Monday through Friday from 8 a.m.-5 p.m.

“We’re locally owned, so we make our own decision here and provide services to residents of Niobrara County,” concludes Jay. “Helping people is the most important thing.”

For more information, visit or call 307-334-2500.

Brittany Gunn is the editor of the Wyoming LivestockRoundup. Send comments on this article to

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