Agricultural Services

Why do farmers choose

Citizens State Bank?

Citizens State Bank is one of the largest Agricultural lenders in Northwest Illinois. Generations of local farmers have trusted us because of our experience and knowledge of the farming industry. We specialize in providing local farmers with the financing they need through the variety of products and services we offer.

CSB is great to work with!

Joel and his staff have taken the time and expertise to help us grow in the ever changing and challenging times of agriculture.

A bank that cares!

Endress Family Farms

We're here for you!

Nieman Family Farm

Benefits of CSB Ag Services

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Experienced and Knowledgeable
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Locally Owned and Operated
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Flexible Lending Solutions

Ready to Switch to Better Banking?

Agriculture Loans

Citizens State Bank is one of the largest Agricultural lender in Northwest Illinois.

  • Annual Operating Production Loans
  • Illinois Link Deposit Program Loans
  • Machinery & Equipment Loans
  • Real Estate Loans
  • Illinois Finance Authority Program Loans
  • Livestock Purchase Loans
  • Farmer Mac Fixed Rate Loans

Other ag services

Crop Insurance
At Citizens State Bank, we encourage every farmer to invest in crop insurance – and we make it easy to do so. We will recommend the proper Insurance that will provide you with peace of mind, guaranteeing you and your family a minimum level of income.

Farm Leasing Program
Leasing has becoming more of a financial product than ever before, seen as a business decision not just based on what tax benefits will arise. Equipment leasing has been on the rise for the last several years, and with the new tax laws it continues to lead the charge.

Customized Account Management

Because at Citizens State Bank we understand not all farms are created equal. Thankfully, neither are all banks. Do you wish your current bank would take the time to work with you in providing creative solutions to unique problems? WE WILL! At Citizens State Bank we have customized account management.

Learn more about Ag Services: AgWeb,  USDA or contact us today!

Contact Our Agricultural  Team Today

Kenzie Holste

Kenzie Holste

Ag & Business Development Specialist

815.369.4524
Kellie White

Kellie White

Universal Banker

815.369.4524
Joel Kempel

Joel Kempel

Chief Lending Officer, Executive VP

815.369.4524
Dennis Groezinger

Dennis Groezinger

Ag Lending Manager, VP

815.369.4524