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Agriculture Lenders




Joel Kempel




Joel Kempel

Executive Vice-President / Sr. Lending Officer

Lena - (815) 369-4524






Joel oversees the entire loan department as well as uses his 25 years of lending experience to write Consumer, Agricultural and Personal loans. Joel is a graduate of Pearl City High School and earned a BS in Agri-Business from Illinois State University. He is also a graduate of the Illinois Bankers School and the H.C.C. Leadership Institute. He is a member of the Stephenson County Farm Bureau, the Stephenson County Beef Association and is very active in the Pearl City Masonic Lodge and Pearl City Lions Club.



Dennis Groezinger




Dennis Groezinger

Assistant Vice-President, Ag/Consumer Lending Officer

Lena - (815) 369-4524






Dennis has been a loan officer for over 6 years and helps area farmers as the bank’s Crop Insurance Specialist. He is a graduate of Lena Winslow High School and earned his AS from Highland Community College and his BS from the University of Wisconsin-Platteville. He serves his community as a volunteer for the Lena Fire Department.



Brock Musser




Brock Musser

Ag/Consumer Lending Officer

Stockton - (815) 947-3366






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.

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