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Loan Products


Agriculture Loans

We have a full range of agricultural products and knowledgeable lenders to assist with all of your changing needs.

Strong Farming History and Support
Citizens State Bank has a strong belief in supporting our farmers and the entire agribusiness industry.  Our roots began with farming and will continue to be a strong part of our philosophy.

Agricultural Products
Citizens State Bank has a full range of agricultural loans for all of your farming needs, including operating, equipment purchases and livestock. Operating loans are usually paid back within a year while equipment and breeding livestock loans can be structured over three to five years. We also work closely with our local FSA offices to provide loan assistance and government guarantees.

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Business Loans

Whether you are a small-business owner or a large commercial company, Citizens State Bank has the personnel and products to meet your needs.  Stop by and talk to one of our qualified account representatives to learn more about  our business program.

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Mortgage Loans

Our experienced and friendly lenders are ready to assist you on becoming a homeowner.

Our Commitment to you
Whether you’re buying, building or refinancing, come to Citizens Bank and we’ll build a mortgage that’s precisely suited to your needs with terms, with features and options designed to make home ownership easier than ever.

We have several different mortgage products to meet your needs, including the following:

  • Flexible Financing Arrangements
    We work with you to create the right loan terms. 
  • Fixed Rate Loans
    Make budgeting easier by creating a standard payment amount by utilizing one of several fixed rate loan products.
  • Home Equity Loans and Lines of Credit
    You've worked for your home, now make your home work for you. 
  • Secondary Market Loans
    We have established relationships with secondary market lenders. 

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Personal Loans

Personal loans are available for many purposes. We can finance autos, boats, lawn mowers, appliances, home improvements, and much more. Payments can be taken directly out of your checking or savings account.

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