For more than 140 years
Citizens State Bank has remained confident, courteous and close by.
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.
Our Mission
“We will be your trusted financial partner, committed to providing safe and convenient banking, in an honest, sincere, and professional manner, throughout all stages of life.”
“Citizens State Bank is a servant leader in the communities we serve. We have a relationship-based culture and provide a workplace environment that attracts and retains high-performing talent and leadership. We offer solution-based products, services and systems that are driven by the evolving needs of our local Agriculture, small business, and consumer markets. Our growth comes from exploring opportunities that align our risk tolerances with the prospect of offering added benefits to our customers, employees, and shareholders.”
– Citizens State Bank’s Vision Statement
Our Story
Over the Years
1880s
Founded
- Citizens State Bank started as a private bank in Lena, IL sometime in the 1880s. It was known as the Waite & Hinds Banking Company being named for the founders, Charles Waite and Judge Hinds
1920
Incorporated & State Charter
- The bank was incorporated and received an Illinois State Banking Charter. At that time, construction began on a new bank building on the corner of Schuyler and Main Streets, now known as the Garden View restaurant
1936
First to Reopen
- The arrival of The Great Depression forced the closure of local banks, including ours. As the depression eased, Citizens State Bank was one of the first banks in Stephenson County to reopen with no losses to the depositors
1966
Moved to Main Street
- The bank moved to the present site of the Lena branch at 102 West Main Street
1979
Trust Department Formed
- Citizens State Bank was granted Trust Powers and formed the Trust Department
1996
Enlarged Branch
- Another building project was completed which enlarged and remodeled the existing Lena branch
1999
Acquired Stockton Branch
- Citizens State Bank acquired the Stockton branch of Grand National Bank at 133 West Front Avenue
2008
Freeport Branch Opened
- A new branch was opened in Freeport, IL at 1525 South Forest Road
2014
Stockton Branch Remodel
- Remodeled the Stockton branch location
2022
Elizabeth & Second Stockton Branches Acquired
- Two new branches were opened in Stockton and Elizabeth, IL at 11655 U.S. 20 and 151 N. Main St. (respectively)