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Citizens State Bank is a community financial institution that offers a variety of personal and business banking services. It provides checking, savings, individual retirement and money market accounts, as well as certificates of deposit. The bank offers various consumer, business and farm loans. Citizens State Bank provides personal, home improvement, student and recreation vehicle loans for individuals. It offers working capital, term, equipment, small business association and remodeling loans for businesses. The bank also provides a range of fixed- and adjustable-rate mortgages. Its services include night depository, safe deposit boxes, wire transfers, money orders, automatic transfers and 24-hour ATM. Citizens State Bank is a member of the Federal Deposit Insurance Corporation (FDIC).