Livingston State Bank began operations as a State chartered bank in August of 1903 in Livingston. The bank was founded by local farmers and merchants. The goal of these founders was to provide a bank that would meet the needs of the area and serve its' customers well.

In 1919 the original bank building was sold to Martin Allen, who was one of the Directors of the bank. Mr. Allen gave the building to the Village of Livingston and the building was used as our village hall and library.

A new bank building was constructed on the original corner lot in 1919 and remained the same until 1982.

On August 19, 1989 a house, located next to the bank was purchased, because we were running out of space, The house was sold and moved. We used this lot to construct an addition to the original bank building in 1982, which more than doubled the size of the bank. We also used this land for a new drive-up banking facility, night depository, new vault door, an additional record vault and parking lot. This was a major project as it afforded our customers with a more modern way of doing business.

In 1986 we purchased our first in-house computer system modernizing our bookkeeping system due to more growth and expansion of our market area.

In 1991 the Joe F. Allen general store was purchased to provide for a bank customer parking lot and a new time and temperature sign.

On December 14, 1994 we formed the Livingston Investment Subsidiary, Inc. to provide the bank a better tax strategy.

In March of 1998 we purchased and installed an ATM machine in the Friendly Place convenience store located on Hwy 80 in the Village of Livingston.

Due to phenomenal growth in our customer base, we purchased the Martin Allen Library property from the Village in 1999. That same year we again added onto our present bank building creating new office space, a conference room, loan file room, and full basement storage area.

A convenient 24-hour telephone banking system was added in November of 1999.

On August 15, 2001, a check printing business was installed in a newly remodeled office room in the lower level to provide for better service and a more reasonable cost to the customer.

In 2002, Livingston State Bank Shareholders approved the formation of LSB Holding Co., a one-bank holding company. The holding company formation increases the bank's options for growth and expansion of its current products and service as well as the development of new products, and the expansion of its market area.

In August 2003 we celebrated the bank's 100th anniversary. We issued a general invitation and served lunch to more than 1,100 customers and friends over a two-day period.

Check imaging was installed in August of 2003, which modernized our check processing system  greatly.

In July 2004 we added online banking, which allows 24 hour, seven days a week internet access from anywhere in the world. Livingston State Bank customers can view their account, transfer funds from account to account conveniently from home or office.

On October 7, 2004 Rural Bancshares of Wisconsin was formed.  The purpose of this transaction was to allow James and Joyce Neuendorf to retire after 43 and 30 years of faithful service to Livingston State Bank.  Rural Bancshares of Wisconsin is made up of Jeffrey D. Ketterer, Daniel M. Engelke, Sheila M. Ruchti and a few local investors.  This transition procedure allows L.S.B. to remain an independently owned and operated bank.  The present staff was totally retained.  Mr. Neuendorf has agreed to remain on the Board and Rural Bancshares is committed to continuing the high level of customer service that customers of the Bank and the community have come to expect.  On April 19, 2006 a branch was opened in Platteville.  The Livingston State Bank branch is located inside the Walmart store in Platteville.

Livingston State Bank has done well in growing from nothing in 1903 to the present time with assets over 100 million. Livingston State Bank is not the biggest, but one of the best and our top priority remains the same--- to serve our customers and meet their needs.