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First Central State Bank, Maquoketa State Bank and Ohnward Bank & Trust are joined together under the holding company of Ohnward Bancshares Inc. We strive to make your home loan process an easy and stress-free process for you.

Through this site, we are able to accept online applications for mortgage loans in Iowa and Illinois.  Easy, convenient on-line shopping for the best loan programs along with guidance through the often difficult and confusing process of choosing the exact loan to meet your specific needs.

To Get Started: Click on "Apply Now" in the left hand column and choose either the Short or Long Loan Application. The full application will gather all the information needed for a pre-approval. The short application will help get the process started, but will require a meeting to gather more information. You may choose either option based upon your preference.  Once in the application, you will be able to select which of the three banks, and even which loan officer, you would like your application sent to.


To help the government fight the funding of terrorism and money laundering activites, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.