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Welcome to Citizens State Bank!

At Citizens State Bank, we are committed to being your full service, independent, locally-owned community bank. Our customers rely on our expertise, professional staff and diverse products and services, many of which can be customized to suit your specific needs. All business decisions are made locally by people who live and work where you do. Above all, we listen to your needs and go the extra step to provide you with complete satisfaction.

For more than 130 years Citizens State Bank has remained confident, courteous and close by.


Estate Planning SeminarsFree Estate
Planning Seminars.



Choose the location convenient to you:

Lena Branch: Tuesday, February 24th - 6:00 pm
Stockton/Country Inn & Suites: Wednesday, March 11th - 6:00 pm
Freeport Branch: Wednesday, March 25th- 6:00 pm

Citizens State Bank, in conjunction with the law firm of Plager, Krug, Bauer & Rudolph, Ltd., invites the public to attend one of three free, no-obligation Estate Planning seminars. Admission is free, although reservations are requested.

Each seminar will be hosted by experienced attorneys from Plager, Krug, Bauer & Rudolph. Presenters at each seminar will discuss a number of trends, topics and recent developments pertaining to estate planning, and will answer such questions as:

For more information or to reserve your seat at any of the seminars, please call (815) 235-1212 or toll-free (800) 373-4109, or email


Annette Wichman Joins Citizens State Bank
as their new Customer Service Manager

December 2014 - Citizens State Bank is pleased to welcome Annette Wichman as the bank’s new Customer Service Manager.


Prior to joining Citizens State Bank, Annette worked for 36 years as a banker in the Freeport area. Her new position will have her helping to train Citizens State Bank’s tellers and new accounts representatives, in order to maximize their ability to effectively and efficiently serve the bank’s customers.


A life-long resident of the Freeport area, Annette graduated from Freeport High School and went on to attend classes at Highland Community College. She is currently serving as a superintendent for the Stephenson County Fair. Annette resides with her husband on a farm near Baileyville.


“We’re pleased to welcome Annette to our management team at Citizens State Bank,” said Bank President Fritz Kuhlmeier. “We’re confident that her extensive experience in customer service, combined with her enthusiasm and warm personality, will be a benefit to our employees as well as our customers.”

Brock Musser Joins Citizens State Bank

Noveber 2014 - Citizens State Bank is pleased to welcome Brock G. Musser to the Agricultural Lending Team at the bank’s Stockton location.

Prior to joining Citizens State Bank, Brock worked as a Loan Officer for First State Bank Shannon-Polo, where he specialized in commercial, ag and consumer lending. Brock attended Highland Community College and earned his Associates Degree in Accounting, then transferred to Illinois State University in Normal, where he earned his Bachelor’s Degree in Agribusiness.

Brock has extensive personal experience with agriculture, having grown up on a dairy farm with his family in Pearl City. Brock is also currently a member of the Stephenson County Farm Bureau, and has long been involved with the local 4-H and Future Farmers of America organizations.

“We’re proud to welcome Brock to our Agricultural Lending team,” said Bank President Fritz Kuhlmeier. “He brings with him a tremendous amount of experience from his long involvement with agriculture, both on a personal and professional level. We’re confident that Brock's background and expertise will be of great benefit to our customers.”

Citizens State Bank Promotes
Matt Moyer to Commercial Lending Team

Noveber 2014 - Citizens State Bank is proud to announce that Matthew T. Moyer has been promoted to the bank’s professional team of commercial loan officers at its Freeport location.

Matt started his career as a teller at Citizens State Bank at the Freeport location when it opened in 2008. While working there, he also attended Highland Community College and earned his Associates Degree; he later transferred to Illinois State University, where he earned his Bachelor’s Degree while majoring in Finance. After graduating from ISU, Matt returned to work for Citizens at the bank’s Lena location and worked as a Credit Analyst up until his recent promotion.

“Matt has demonstrated an incredible commitment to excellence during his time with Citizens State Bank,” said Bank President Fritz Kuhlmeier. “Time and again, he has shown that he has the ability to provide the level of service our customers expect and deserve. We’re excited to see where this new opportunity takes him,and are proud that he continues to be such a successful member of our team.”

Citizens State Bank is pleased to announce the 2014 winners of the Citizens State Bank Scholarships.

Citizens State Bank 2014 Scholarship Winners

They are awarded for outstanding academic achievement, community service and extracurricular activities shown throughout the student’s high school career. Each of the 12 area winners was awarded a $500 scholarship that can be used at any two- or four-year college or university.

Front Row (left to right): Amy Baker, Sydni Schubert, Morgan Geiser, Paige Anderson, Fritz Kuhlmeier Back Row (left to right): Joel Kempel, Amy Powers, Kenzie Kaiser, Jolynn Bourland, Anthony Baltierra, Mark Voreis, Adam Talbert

Introducing our newest location... banking right in the palm of your hand.

With our new Mobile Banking apps, you can bank anywhere you can get an Internet connection.

Download our new Mobile Banking App

To Download your Mobile Banking
app for Android™.

Download our Mobile Banking App for Android

Scan this code using the QR code scanner on your phone to download the CSB Mobile Banking app to your Android™ phone now.



Download on Google Play

Or use your Google Play Store app from your device’s app launcher. Search
for “Citizens State
Bank IL” and click “Install”.

To Download your Mobile Banking
app for iPhone®.


Download our Mobile Banking App for iPhone

Scan this code using the QR code scanner on your phone to download the CSB Mobile Banking app to your iPhone® now.




Available at the App Store

Or click on your Apple Store app, search for “Citizens State Bank
IL” and click “Install”.




Security Reminder


5 star rating

As a helpful service, Citizens State Bank would like to remind you to never share personal account information with anyone requesting it over the phone or in an email. Citizens State Bank will NEVER ask for personal account information in this manner. We recently received an alert that customers at another community bank reported receiving automated phone calls with a recording claiming that the call was coming from their bank. The recording then instructed the customers to provide their private account information. Customers who did so later discovered that unauthorized attempts had been made to access the funds in their accounts. Regardless of whether the party on the other end is a recording or a live person, please do not fall victim to this scam. When in doubt, hang up and immediately call the bank to report any information solicitations.



The FDIC has issued warnings of scams involving emails and pop-ups, as well as text messages asking for account numbers, passwords, etc. NEITHER CITIZENS STATE BANK NOR THE FDIC WILL EVER ASK YOU FOR ACCOUNT INFORMATION EITHER ONLINE, E-MAIL, OR TEXT MESSAGING. If you receive any such requests asking for account numbers, credit or debit card numbers, or passwords, PLEASE DO NOT RESPOND!

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