

At your side.
There's no place Keen Bank would rather be.
Our full-service Owatonna location is staffed with experienced bankers and lenders and provide services for an optimal banking experience including a drive-thru, ATM and convenient location.
Keen Bank prides itself on being a local, third generation family-owned and managed community bank, committed to customers and their financial wellbeing by providing exceptional customer service and innovative, convenient banking solutions.

Your best future deserves a local banking partner.
Keen Bank offers lending, cash-flow tools and expert guidance that help you manage today’s needs while building tomorrow’s success.
What people are saying.
Meet Our Team

Steve Graff
VP of Commercial Lending
NMLS ID # 488279

Caleb Whalen
VP of Business Development
NMLS ID #1104701
At your side—empowering your best life.
Your best life isn’t built overnight. It’s built step by step—with clarity, confidence and a partner who understands your goals. At Keen Bank, we stand at your side with financial solutions that empower your best decisions, your best opportunities and your best future.
Personal Banking
Your best life is built on everyday decisions. With convenient accounts, digital tools and customer-first service, Keen Bank helps you manage your money with ease and confidence, providing simple, secure accounts that support your best financial life. From saving wisely to spending simply, your best financial habits start here.
Business Banking
Your best business decisions deserve a partner who understands your ambition. Keen Bank is at your side with cash-flow tools and expert guidance that help you manage today’s needs while building tomorrow’s success. From start-ups to expansions, your best growth starts here.
Digital Banking
Your best banking is just a tap away. Keen Bank's online and mobile banking allows you to securely manage your accounts using the latest technology, on par with any "big" bank. We provide enhanced security, and customers can chat with Keen Bank staff about questions regarding their accounts or transactions during business hours.

