Frequently Asked Questions

Yes, all loan decisions are made locally. We've been helping area farms and businesses succeed for nearly 120 years, and continuing that tradition is very important to us.

The loan officers at Citizens State Bank come from diverse backgrounds and are experts in numerous area industries. In fact, our lenders and board of directors have more than 100 years of expertise in Iowa agribusiness.

Yes - our focus on structuring loans terms to meet your specific needs sets us apart from other lenders.

Yes - we're a full service bank, with all the options you need to manage your personal and professional finances, including credit/debit cards, direct deposit services, retirement accounts, insurance, 24-hour online account access and more.

Yes - we know how overwhelming and confusing planning and tax time can be, so we're ready to offer our expert input and feedback to minimize your frustration and maximize your profits.

Since opening our doors in 1893, Citizens State Bank has weathered nearly every type of economic growth and decline - from turn-of-the-century "panics," the Great Depression and post-war booms through the 1980s farm crisis and recent big-bank bailouts.