LETTER FROM THE CHAIRMAN & CEO

Community banks have a rich heritage of customer service. At Citizens State Bank our commitment to the families and businesses we serve has been developed over time. We consider this to be our primary responsibility – SERVICE!

In 2016, Citizens State Bank celebrated 55 years of service to our community. We are extremely proud of that! I feel we have an exemplary staff – dedicated, knowledgeable and truly service oriented. They understand that we are here because of YOU. The experience they bring is one of the keys to our success. Their loyalty to Citizens State Bank is evident in the years of service we have as a combined group – 20 years, 30 years, 40 years – and in 2016 we celebrated Marilyn Menning as a 50 YEAR staff member! Her dedication to customer service is OUTSTANDING and her contributions to Citizens State Bank have been and are immeasurable. Our greatest strength is our staff and we are very proud of them!

As a lifelong community banker, I am reminded daily of the unique needs of each of our customers. Some of these are due to our geography, while others are due to the ever changing needs of the families we serve. At Citizens State Bank, we KNOW our community! That knowledge is what makes us a great match! We are both unique.

We have designed all of our products to reflect your needs. We listen and we will help to build the right solution for you, your business and your family. We are here to serve and invest in our LOCAL communities.

Much has changed in the banking industry over the years. We have kept up with the times in order to serve your ever changing lives. Whether you visit us at the bank, online, or from your mobile device, our goal is to meet your needs . . . every time.

As A Real Community Bank, we never forget that our success depends on your success.

Sincerely,

Robert J. (Rob) Dixon
Chairman & CEO