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About Us

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.

1880s – Citizens State Bank started as a private bank in Lena, IL sometime in the 1880s. It was known as the Waite & Hinds Banking Company being named for the founders, Charles Waite (pictured right) and Judge Hinds.

1920 – The bank was incorporated and received an Illinois State Banking Charter. At that time, construction began on a new bank building on the corner of Schuyler and Main Streets, now known as the Coffee House.

1936 – The arrival of The Great Depression forced the closure of local banks, including ours. As the depression eased, Citizens State Bank was one of the first banks in Stephenson County to reopen with no losses to the depositors.

1966 – The bank moved to the present site of the Lena branch at 102 West Main Street.

1979 – Citizens State Bank was granted Trust Powers and formed the Trust Department.

1996 – Another building project was completed which enlarged and remodeled the existing Lena branch.

1999 – Citizens State Bank acquired the Stockton branch of Grand National Bank at 133 West Front Avenue.

2008 – A new branch was opened in Freeport, IL at 1525 South Forest Road.

2014 – Remodeled the Stockton branch.

Meet the team.

Lena

Lena Lena

Stockton

Stockton Stockton

Freeport

Freeport Freeport

CSB Mobile Banking App

Access Internet Banking and Online Bill Pay on your smartphone with our Mobile Banking App.  It’s available on both the Google Play and Apple App store.

If you have a NetTeller account or an Online Banking account, you can download the app and in seconds have the bank right in the palm of your hand. Use the app to check account balances, pay bills, view recent activity, verify cleared checks and payments and more. With our Mobil Banking App, you can manage your account anytime, anywhere ––whether you’re in town or roaming the countryside.

Learn more.

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Community Involvement
We are a community bank.  That means we’re here to benefit the community.  In addition to provide smart products and services, we give back to the community.  It’s our way of saying Thank You for your support.

Lena Community Center Donation
Lena Community Center Donation
CSB President Fritz Kuhlmeier presents donation check to members of the Lena Community Center Board. The donation will be used for upgrades to the building
Appreciation Lunch
Appreciation Lunch
CSB staff serving up lunch to local farmers at Gavilon Grain in Warren, IL
Thank You Farmers!
Thank You Farmers!
CSB staff serving up lunch to a local farm family at the Pearl City Elevator
Breast Cancer Awareness
Breast Cancer Awareness
CSB employees dress in pink to create breast cancer awareness and to raise money for the Leonard C. Ferguson Cancer Center
Freeport Homecoming Parade
Freeport Homecoming Parade
CSB staff participate in the Freeport homecoming parade
Le-Win Homecoming Parade
Le-Win Homecoming Parade
CSB staff joined the festivities during the Le-Win homecoming parade
Lena Fall Festival Parade
Lena Fall Festival Parade
CSB President, Fritz Kuhlmeier, tosses candy to an onlooker at the Lena Fall Festival parade
Stockton Homecoming Parade
Stockton Homecoming Parade
CSB staff members participate in the Stockton homecoming parade
RANI Golf Outing
RANI Golf Outing
CSB employees served lunch to golfers at the RANI golf outing
Bowling for Kids Sake
Bowling for Kids Sake
CSB bowlers met for a night of bowling with proceeds benefiting the local Big Brothers Big Sisters Chapter
Bowling for Kids Sake
Bowling for Kids Sake
CSB bowlers met for a night of bowling with proceeds benefiting the local Big Brothers Big Sisters Chapter
Money Smart Week
Money Smart Week
CSB met the Pearl City Girl Scout Troop #5128 as part of Money Smart Week. They reviewed the importance of checking and savings accounts, and of saving for the future
RANI Golf Outing
RANI Golf Outing
Bank participation in the RANI golf outing on July 21
CSB loves giving back to the community!
CSB loves giving back to the community!
CSB President, Fritz Kuhlmeier presents Lena Food Pantry with a donation check.
Giving Back to the Community!
Giving Back to the Community!
CSB's Annette Wichman presents the Freeport Area Church Cooperative with a donation check.

If your credit or debit card is lost or stolen during normal business hours, please contact Citizens State Bank.
After Hours:
 Debit Cards:  Call 1-866-546-8273
Credit Cards:  Call 1-800-423-7503