Skip to main content Go to Online Banking

Mask Up, Minnesota

Effective 07/25/2020 Community Bank Owatonna will require all individuals entering the bank to wear a mask as required by MN Emergency Executive Order 20-81. See the MN Department of Health for more information.

Bill Pay Maintenance

During the weekend of October 24-25, 2020 CBO will be conducting maintenance on our Digital Banking Suite Bill Pay product. Bill Payments will not be available from 10:00 PM Oct. 24 to 4:00 AM Oct. 25. We apologize for this inconvenience.

Steven Grams


Executive Vice President

Steve Grams has been with Community Bank Owatonna since it opened in January of 2003. Steve was born and raised in Sheboygan, Wisconsin. He attended the University of Wisconsin-Madison, where he received his Bachelor of Business Administration with a double major in finance and business administration.

Steve completed his graduate degree at the University of Wisconsin-Whitewater, where he received a Master of Business Administration, majoring in finance. Steve was employed in the banking industry in Madison, Wisconsin for 13 years in various management capacities before relocating to Owatonna in 1995.

Steve and his wife Martha have two daughters, Hannah and Sophie.


Some content requires Adobe Acrobat Reader to view.