Full Service Office
Downtown Lakeland

We are excited to serve the Lakeland community and local businesses through our full-service office across from Munn Park in Downtown Lakeland.

The unique bank lounge, which facilitates partnership with business owners, enables us to help them advance the way they grow their businesses. At our branch, innovative technology combines with personal service and traditional values designed to make the banking experience easy, secure, and convenient.

Our History

Proudly Serving

Polk County
Downtown Lakeland
Highland City
Lake Morton Historic District
Cleveland Heights
Lakeland Highlands
Lakeland Historic District

Services at Our Lakeland Loan Office

Tap our experience to answer your questions and help with your financial needs. No matter what your personal or business goals may be, we are here to help:

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Personal Banking

Our customizable checking and savings account options are tailored to your lifestyle.


Business Banking

For more than 90 years we have been supporting local businesses, so we know what area businesses need and how to support them.


Commercial Real Estate Loans

Our experienced, professional lenders can get you the loan you need with flexible terms and competitive rates.


Treasury Management

We tailor our Treasury Management solutions to your business needs, allowing you to focus on growing your business.



As a family-owned community bank, we know the local housing market as well as we know home loans.


Working Capital Lines of Credit

We offer revolving lines of credit with terms to fit any business situation.


Online Banking

Control your bank accounts via computer, tablet or smartphone saving stamps, paper and time, all safely and secure.


Wealth Management Services

We offer high-quality, professional investment services with the personal attention that you expect from a community bank.

What Makes Wauchula State Bank Different?

Family Owned

We operate by a strict, written set of standards and principles known as our Mission, Vision, and Values. Our Mission is to make banking easy, secure, and convenient. Our Vision is to be the premier bank in Central Florida, and our Values include integrity, service, teamwork, leading edge, excellence, and community.

The Future of Banking

Wauchula State Bank’s dedication to serving individuals, families, and businesses in our local communities has remained strong. We’re proud of this commitment.

We’re still here… for you and generations to come. We take pride in being part of a progressive, forward-thinking banking corporation. 

Meet the Lakeland Team

Andrew can assist customers in the Polk County community with every step of the home financing process.

Andrew Calderon

Residential Lender

Andrew’s focus is on helping his customers grow their business and partnering with them on their commercial needs. 

Andrew Foreman

Vice President and Commercial Banker

Scott garnered a wealth of banking and financial experience at banks in Lakeland and Riverview prior to joining Wauchula State Bank in February of 2019.

Scott Katz

Commercial Banker

With more than 20 years of banking experience, Vlad is fluent in English and Spanish enables him to communicate with a diverse array of customers. 

Vladimir Mendez

Commercial Banker

Amy specializes in business banking and loves helping customers with banking solutions to help them grow their businesses. 

Amy Thompson

Business Banking Officer

Matt had more than 30 years of experience in the banking industry in Polk County, serving as a commercial lender, business banker, and portfolio manager.

Matt Butz

Vice President and Commercial Banker

Sixth generation Floridian, Brad has a connection to the central Florida area and more than a decade of experience in commercial real estate lending. 

Brad Rhoden

Vice President and Commercial Banker

Buying or building a home?

Make your homeownership dream come true.

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