Lending

Every loan situation is different. Visit with any of our experienced loan officers about your specific lending needs. Whether you are looking to buy a vehicle, refinance your home, purchase livestock, or start a business, a loan officer at your local Citizens State Bank location is happy to discuss options to fit your unique needs.


Agricultural Lending

Citizens State Bank truly understands agriculture and the importance of agriculture in our communities. We are proud to support local farmers and ranchers. In fact, you’ll find that many of our loan officers are farmers and ranchers! Not only do we know what it takes to make your farming operation a success, but we also share the dedication and love for the land we work, the food we raise, and the rural communities we live in. Stop by any of our locations to visit with our lending staff about your agriculture needs. Learn More

Photo: Silo and Ag Land

Commercial Lending

CSB is invested in our communities. Not only is this where our branches are found, but also home to our employees. We realize that small businesses need to thrive in order for our communities to be successful. We are committed to providing our hometowns with the banking solutions they need to prosper. If you find that you need a lending hand, drop by and talk with any of our loan officers. Learn More


Photo: Commercial Building


Personal Lending

For decades, Citizens State Bank has continued to provide all types of consumer loans for our valued customers. No matter the amount of money you need to borrow, we believe you deserve to work with an experienced lender who will structure a loan to fit your needs and financial situation. Our loan terms are flexible, and we provide timely approvals with loans designed to minimize your costs and stress. Learn More


Photo: Money in Pocket

Residential Lending

Real estate lending covers a variety of scenarios extending beyond buying a new home or refinancing your existing mortgage. The knowledgeable lending staff at Citizens State Bank can also help provide information about the purchase or refinance of investment or rental properties, the construction of your dream home, or the use of your home's equity for endless possibilities. Learn More


Photo: House Key

Helpful Lending Forms

Consumer Loan Application

Financial Statement - Individual

Financial Statement - Farmer

Financial Statement - Business