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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.


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!




Citizen's State Bank 2015 Scholarship Winners

We're pleased to announce our 2015 scholarship winners! Citizens State Bank has been awarding scholarships to local students for over 26 years. They are given in part when a student displays outstanding commitment to academic achievement, community service and extracurricular activities throughout their high school career. Each of this year's 12 area winners was awarded a $500 scholarship that can be used at any two- or four-year college or university.

Congratulations to this year's winners!

Pictured are attendees of a June 5th banquet held in honor of this year's winners. From left to right: Fritz Kuhlmeier and Mindy Borgmann of CSB, Autumn Ockerman (Stockton H.S.), Samuel VenHuizen (Stockton H.S.), Rebecca Ensor (Freeport H.S.), Heather Gahm (Lena H.S.), Elizabeth Walker (Lena H.S.), and Amy Baker, Amy Powers, Joel Kempel and Brock Musser of CSB. Other winners not pictured include: Marissa Rothschadl and Kayla Heun of Lena-Winslow High School; Kayla Hille and Alex Frank of Stockton High School; Emily Colberg of Freeport High School; and Samantha Klemm and Rachel Harn of Aquin High School.

Get your tickets to Noah's Ark Water park here and save!

Looking for a way to beat the heat this summer? Citizens State Bank’s got you covered!

For a limited time, come into any of our three locations and get your tickets to Noah’s Ark Water Park for just $29 each – that’s $10 less than what you’ll pay at the gate, and our price includes the tax!

Not only will you enjoy all the fun attractions that you know and love, but you’ll also see a few new features, too: new Premier Family Cabanas, a new Dogs & Brats Party Patio, and an updated theme for the Big Kahuna Wave Pool! So come in, grab your tickets, and get ready for an unforgettable day of fun at America’s Largest Waterpark!

…oh, and did we mention children age 2 and under get in free? No? Well, now you know!

Say Hello to Citizens State Bank’s New HR Director

Jessica Engle

Citizens State Bank is pleased to welcome Jessica Engle to the team as the bank’s new Human Resource Director!

Jessica is taking over the position in place of Anne Lytle, who retired on May 1st. In her new role, Jessica will be responsible for managing employee relations, recruitment, and employee training. She will also manage employee performance, oversee payroll processing and administer benefits, among other tasks.

Jessica graduated in 2000 from Loras College in Dubuque, Iowa, with a Bachelor’s degree in Human Resource Management; she then went on to work as an HR Generalist for an insurance company in Indianapolis, Indiana. A Lena native and LeWin graduate, Jessica returned to the area in 2002 and worked in human resource management for various companies in the region before joining Citizens State Bank in April. When she’s not hard at work at the bank, Jessica serves as the president of the River Ridge PTO; she’s also on the steering committee for the Jo Daviess County Leadership Forum and is involved with Greater Elizabeth Arts & Recreation (GEAR) as a board member.

Jessica’s new post at Citizens State Bank brings her back on a daily basis to her hometown (she and her husband Brian live in nearby Elizabeth, Illinois, with their three children). “There are a lot of familiar faces here – both among customers and co-workers – which I find very comforting as I adjust to my new position,” noted Jessica. “It was apparent to me when I first arrived that employees genuinely love working here, and I look forward to doing my part in continuing to make this a wonderful place to work.”

Citizens State Bank Honors Two Longtime Employees

The Spring of 2000 was apparently a good season for Citizens State Bank, as we decided to hire two women at the time who appeared to be ideal candidates to join our staff. Fifteen years later, we’re able to pat ourselves on the back for those decisions, as we celebrate the anniversaries for Shari Staton and Kelly Raab.

Shari Staton (left) and Kelly Raab (right) show off their anniversary cakes.

Shari currently works in the Operations Department at the bank’s Lena location, where her main priority is to ensure that the bank’s online banking systems are running daily and working smoothly. She celebrated her anniversary with her colleagues on April 28th with a beautiful cake decorated in her honor.

Kelly is the Chief Operating Officer at the Lena branch and has nearly three decades of experience in the banking industry. She has held various positions in the bank’s lending and mortgage departments before eventually becoming the bank’s Cashier. She is a graduate of Savanna High School and has been an active volunteer for both the Boy Scouts and Girl Scouts.

CSB Bids Farewell to Anne Lytle

Anne Lytle

Someone once said, “The best time to start thinking about your retirement is before the boss does.” Well, one of Citizens State Bank’s longest-serving employees is taking that advice to heart: Anne Lytle has officially retired.

Anne was a Vice President and Secretary at CSB’s Lena location. She had more than 28 years of experience in the banking industry; during that time she worked as a teller, customer service representative, loan administrative assistant, and loan officer. Anne was a graduate of Lena-Winslow High School and completed numerous banking school courses and seminars. Anne officially stepped down on May 1st of this year; however, she is staying busy within the community, as she is retaining her role as Secretary for the Lena Business Association.

“Employees like Anne don’t come around every day,” observed CSB President and CEO Fritz Kuhlmeier. “Throughout her career, she has worked tirelessly to meet the diverse needs of our customers. While she will be missed by our employees and customers alike, we wish her the best of luck and hope that she has an enjoyable retirement. She has certainly earned it!”

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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