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Welcome to Citizens State Bank!

At Citizens State Bank, we are committed to being your full service, independent, locally-owned community bank. Our customers rely on our expertise, professional staff and diverse products and services, many of which can be customized to suit your specific needs. All business decisions are made locally by people who live and work where you do. Above all, we listen to your needs and go the extra step to provide you with complete satisfaction.

For more than 130 years Citizens State Bank has remained confident, courteous and close by.



CSB Welcomes its Newest Ag Lender!

Kimberly Durward

Citizens State Bank is pleased to announce a new Agriculture Lender has joined the CSB family. Kimberly Durward began her employment with Citizens State Bank on March 7, 2016. Kimberly is a recent graduate of the University of Wisconsin-Platteville obtaining a Bachelor’s degree in Agribusiness with an emphasis in Communications, Marketing, and Management.

Kimberly is a native of Argo Fay, IL. In her free time, she enjoys watching and playing sports as well as spending time at her family’s farm. Kimberly comments, “I have always been very interested in the Agriculture industry and enjoy helping on the farm at home. I am intrigued to see how the new technologies being developed and utilized by an increasing number of local operators will allow Agriculture to continue to advance and how the technology will change the industry as a whole.”

Kimberly will be working primarily out of the Lena office and is currently assisting staff in servicing the financial needs of farmers and Agribusiness. She will begin seeing customers on July 1, 2016.

Citizens State Bank President and CEO, Fritz Kuhlmeier stated, “With our bank’s heavy involvement in Agriculture, we are pleased to be able to employ a very capable young person, with a deep and varied Ag background and knowledge, to introduce another generational age level to service our existing and future Ag clients.”


Security Reminder

Security Sign

As a helpful service, Citizens State Bank would like to remind you to never share personal account information with anyone requesting it over the phone or in an email. Citizens State Bank will NEVER ask for personal account information in this manner. We recently received an alert that customers at another community bank reported receiving automated phone calls with a recording claiming that the call was coming from their bank. The recording then instructed the customers to provide their private account information. Customers who did so later discovered that unauthorized attempts had been made to access the funds in their accounts. Regardless of whether the party on the other end is a recording or a live person, please do not fall victim to this scam. When in doubt, hang up and immediately call the bank to report any information solicitations.



The FDIC has issued warnings of scams involving emails and pop-ups, as well as text messages asking for account numbers, passwords, etc. NEITHER CITIZENS STATE BANK NOR THE FDIC WILL EVER ASK YOU FOR ACCOUNT INFORMATION EITHER ONLINE, E-MAIL, OR TEXT MESSAGING. If you receive any such requests asking for account numbers, credit or debit card numbers, or passwords, PLEASE DO NOT RESPOND!

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