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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.



Construction Zone



Breast Cancer Awareness Month

October was National Breast Cancer Awareness month.  In honor of that, all three branches of Citizens State Bank in Lena, Stockton, and Freeport participated in a Pink Day.  The employees also took up a donation to wear jeans that day.  The money raised was donated to FHN’s Leonard C. Ferguson Cancer Center.


CSB customers explore the Emerald Isle in style!

Citizens State Bank recently teamed up with Tri-State Travel to organize a 12-day excursion to explore Ireland. Our intrepid globetrotters departed on October 1st on an evening flight and arrived the next day at Dublin Airport. Over the next several days, they explored a number of historical and cultural landmarks, including the Wicklow Mountains, Killarney, the Ring of Kerry, Galway and Belfast. Our travelers immersed themselves in Irish culture and enjoyed the heartwarming hospitality of their generous hosts, which included an overnight stay at a 15th century Irish castle on the final evening of the trip! If you’re interested in seeing the world with us, keep a watchful eye on our website – or follow us on our Facebook page - for announcements regarding any future travel opportunities.



Click here to download the "All Around Ireland - Citizens State Bank BROCHURE"

Congratulations to Joel Kempel on his 30th anniversary at Citizens State Bank!


Before arriving at Citizens State Bank, Joel attended Illinois State. After he graduated in 1978, he got his first job at a regional bank as an ag loan officer while also helping to make hay for the summer on his father’s farm. Within a few years, Joel went to work full-time managing his parents-in-law’s dairy farm in Kent. Eventually he would have to exit the dairy farming industry due to health-related concerns; it was at this time that he heard through the grapevine that another bank was looking for an ag loan officer, and with that he joined Citizens State Bank on Oct. 1, 1985.

During his 30-year career Joel has helped countless families with their ag financing needs. He also is a graduate of the HCC Leadership Institute and of the Illinois Bankers school. In his personal time, Joel enjoys spending quality time with friends and family, and is a big fan of the Cubs, Bears, Hawks and Duke basketball.

“I’d like to extend a warm ‘thank you’ to our staff, directors and all of our wonderful customers for making my career so enjoyable,” noted Joel during his 30th anniversary celebration. “I couldn’t have found a more rewarding experience.”




Get To Know the New Names at Citizens State Bank!

It’s been a while since we’ve checked in to see who’s recently joined the Citizens State Bank crew, so we thought we’d take a moment to share with you the names of the newest team members. No doubt many of them will be quite familiar to you now!

In Freeport, we are pleased to welcome Carrie Hass as Citizens State Bank’s new Marketing Coordinator. Carrie joined us in July and arrived with an extensive background in marketing and public relations, and will be utilizing her skills for the benefit of all three locations. Also new to the Freeport branch is Courtney Warner, who signed on last November as one of our new bank tellers. Meanwhile in Stockton, Tabetha Thommen came aboard earlier in 2014 as that location’s newest teller and customer service representative.

Our Lena location saw the biggest increase in new hires over the past year, as Shawn Folgate, Leigh Ann Headlee, Amanda Perry, Erika Mapes, Sam VenHuizen and Kim Mahoney were all hired on as new tellers for the bank. Lena also welcomed Alex Maurer to its Deposit Operations department in December, 2014.

We’re glad and excited to have so much new talent to help serve your needs – be sure to say hello to them the next time you visit your local branch!



Congratulations Fritz Kuhlmeier

Congratulations to our President & CEO Fritz Kuhlmeier on his 25th Anniversary at Citizens State Bank! Fritz joined Citizens on August 15, 1990 as a loan officer and was promoted to bank president in 2000. Thank you Fritz for your years of service!


Introducing our newest location... banking right in the palm of your hand.

With our new Mobile Banking apps, you can bank anywhere you can get an Internet connection.

Download our new Mobile Banking App

To Download your Mobile Banking app for Android™.

Download our Mobile Banking App for Android

Scan this code using the QR code scanner on your phone to download the CSB Mobile Banking app to your Android™ phone now.

Download on Google Play

Or use your Google Play Store app from your device’s app launcher. Search
for “Citizens State
Bank IL” and click “Install”.

To Download your Mobile Banking app for iPhone®.

Download our Mobile Banking App for iPhone

Scan this code using the QR code scanner on your phone to download the CSB Mobile Banking app to your iPhone® now.

Available at the App Store

Or click on your Apple Store app, search for “Citizens State Bank
IL” and click “Install”.



Security Reminder

5 star rating

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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