Citizens State Bank of Sheldon & Boyden - 47 years & growing!!  The bank was established in March of 1961 and was originally located at 308 9th Street. We moved into our current location at 808 Third Avenue in October of 1979. In September of 2001, Citizens acquired the Farmers Savings Bank of Boyden and is pleased to now serve our customers at both full service locations as Citizens State Bank of Sheldon and Boyden.  Citizens State Bank offers a wide range of financial products and services to fit consumer, agricultural and commercial needs and believes in offering all of those services all of the time. Our full service hours are just that - full service!

At Citizens State Bank we are proud to be a REAL COMMUNITY BANK. We've earned this distinction by being Sheldon's only locally owned and managed financial institution, and by the fact that we are local people making local decisions with an exclusive commitment to our community.  Our branch in Boyden has that same local tradition.

At Citizens State Bank we believe banking is a people business first. That's what has helped us to stand apart over the past 47 years. Our entire staff is committed to providing you with the best possible banking services and technologies. We want to help you make the most of every financial opportunity.

No matter which banking services you need, from a simple checking account, to financing for a new home or car, we're here for you. We're ready to help you open or add to an IRA or other approved personal or business retirement plans. We're ready to help your business by providing commercial banking services, from commercial lines of credit to lock box services or qualified business retirement plans.

For all of these reasons and more, we're one of America's Real Community Banks. That's the way we do business.

Letter From The President

Dear Friends,

Welcome! I am Rob Dixon, President, and I'm pleased that you are visiting Citizens State Bank's web site. This web site is the result of our commitment to provide our customers with the best in modern banking services. As you browse through our web site you will notice the significant capabilities it has to assist you with your banking needs. I feel it is an excellent resource for learning more about us and our products and services. The web site is equipped to assist you with your financial concerns and to help you access other related resources. One of the most exciting of these resources is CITIZENS ONLINE - Banking at your fingertips, anytime, anywhere it's convenient for you, via the internet.  Click on the link to find out how to enroll.  

Citizens State Bank also offers two conveniently located ATM's - one in the drive-up lane of our Sheldon office, the other in Boyden inside the new Pit Row Convenience store on Highway 18.  Our ATM's are surcharge-free to Citizens State Bank customers and customers of all SHAZAM Privileged Status banks.

I am very proud of the excellent staff we have to serve you at both of our full service locations. They are "People You Know and Trust." Our strong tradition of local ownership and our exclusive commitment to our communities are what make us a REAL COMMUNITY BANK.

Please continue to visit our web site as we will be updating information about our products and services, rates, and schedules of special events. I encourage you to "Contact Us," with any questions or requests you may have.  Thank you for your interest in Citizens State Bank.  We look forward to serving you.

Sincerely,

Robert J. Dixon
President