Please beware of fraudulent / scam text messages, emails or phone calls regarding your debit card or bank account.
Always call the bank at 815-264-3201 or our debit card provider Shazam at 866-508-2693 to confirm.

About US

Waterman Bank

Learn more about Waterman Bank and the way we strive to create a connected, happy community.

Our Mission

To set the standard in our community for excellence in financial service products and their delivery, while realizing the greatest benefit for our shareholders, employees, and customers.


Waterman Bank, originally founded as “Waterman State Bank” by Humphrey Roberts in 1891, has been a pillar of the local Waterman and surrounding Southern DeKalb County community for over 110 years. Roberts, and his family, crafted Waterman State Bank’s time-tested foundation. The family pioneered Waterman State Bank’s leadership for more than 75 years, the legacy of which still carries on today.

Our story


Waterman Bank is currently under the leadership of President Frank Guerino, CEO Stuart Urkov and Chief Operating Officer Heather McCoy. The bank is progressing community banking in strides, bringing several digital banking enhancements, and opening its first branch location in Chicago, IL.

With new technological solutions and a passion for traditional community banking concepts, Waterman Bank stands out. Locally owned and operated since 1891, we proudly continue to serve our community to this day.

Contact Us

Alternatively, send a secure email to us here!

(815) 264-3201

Available from 9:00 AM – 5:00 PM M-F

Address 248 W. Lincoln Hwy., Waterman, IL, 60556