Does your bank create value for your business? If not, we should talk! At Citizens State Bank, we believe a bank should be more than a place to take a deposit or get a loan. We become part of our customer's business and provide advice to improve all areas of the business, while helping prepare the business for the future! This approach helps businesses increase sales, productivity, efficiencies, and ultimately profits. Due to our expertise in our communities and various industries, our Business Bankers are trusted resources and provide valuable feedback not found at other banks. If we don’t have the answer, we know someone who does and will make the connection. So if you are looking for a financial partner that patrons and refers business and makes banking easy while providing advice in a fun environment, give us a call today. You won’t be disappointed!
Citizens State Bank offers competitive rates for real estate loans to purchase, construct, refinance, or renovate your property. We provide financing for all types of commercial real estate, including owner occupied, investment, and residential income properties. The terms we offer are flexible to adapt to your specific needs, and our knowledgeable Business Bankers assess the local market to help you make the best financial decision for you and your business.
We offer revolving lines of credit to our business customers for short-term working capital and seasonal financing needs. These variable rate loans allow our customers to borrow funds, repay the balance, and borrow again when more cash is needed to help the business prosper. We also provide letters of credit, which can be used by our customers as collateral to facilitate various business transactions.
Citizens State Bank offers a variety of term loans to purchase or refinance equipment, machinery, vehicles, etc. Term loans can also be used for the short-, medium-, and long-term working capital needs of your business. Our rates are competitive, with flexible terms to meet your needs.
SBA loan programs provide government assistance for businesses to help facilitate credit or provide long-term, fixed-rate financing options that otherwise would not be available with traditional bank financing. SBA loan programs can be used to secure financing for a variety of business needs, including real estate, leasehold improvements, working capital, equipment, business acquisition, inventory, etc. Citizens State Bank works with a variety of SBA loan programs to meet the specific needs of our customers.
