State Bank

State bank is the common shorthand used, particularly in the United States, for a state-chartered bank: a bank organized and licensed to conduct business under the laws of an individual state, rather than under a federal charter. State banks are supervised primarily by their home state's own state banking department, often alongside federal oversight for deposit insurance and, in some cases, Federal Reserve membership.

For the fuller explanation of how a state bank is chartered, how it is supervised alongside federal regulators under the dual banking system, and how it differs from a nationally chartered bank, see the main State Chartered Bank entry.