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Who We Are

Citizens State Bank is more than a bank.

Vision: Empowering our staff to meet the needs of our customers with a caring, flexible approach, centered on the goals of our institution, ensuring every interaction is in the best interest of the Client and the Bank.

Mission: To develop long-term relationships built on trust.

As a locally-owned independent community bank, we value:

  • Our Community: We are community owned and community focused. We live, work, and play in the communities our bank serves. Supporting and fostering economic growth is a top priority at Citizens State Bank.
  • Our Customers' Dreams: You dream the dream; we'll help make it come true. Our team focuses on you as a customer and what you want and need. Each person and situation is unique. Put a banker on your side who understands that and works towards the same goal as you.
  • Our Interactions: We want all interactions to be positive and welcoming. Citizens State Bank has a service model in place to ensure we are servicing customers in the most welcoming way and that every interaction has your best interest in mind.

Over 100 years old and growing strong.

Citizens State Bank was chartered in 1902 when a group of businessmen, farmers, and workers created a banking institution to not only meet their financial needs but also foster the growth of their small community in Cadott, Wisconsin.

Two moves occurred before settling at the current location and relocating the drive-up facility to Highway 27, near the Highway 29 interchange. In 1985, a branch bank was built at the corner of Highways 178 and S in Chippewa Falls. In 1995, another full service office was opened in Chippewa Falls at the corner of Highways J and X. In 2019, a branch was added in Cornell on Bridge Street. In 2021, a branch was opened in Stanley on North Broadway. In 2023, Community Financial Bank (CFB) was purchased and merged into and under Citizens State Bank. The former CFB branches became Citizens State Bank locations in Prentice and Stratford. View all locations.

Board of Directors

Randy Scheidler

Ned Willkom

Tom Fedie

Randy Meyer

Brian Nodolf

Luke Rykal

Kelly Kenealy

Executive Team

Kelly Kenealy

Nicole Kauphusman

Travis Udelhofen

Eric Bourget
VP of Information Technology

Chris Galvez
VP - Compliance & Risk

Tim Stone
VP of Finance

Angie Wald
VP of Human Resources

Community Involvement

Our employees volunteer time every year back to their communities outside of the bank. Citizens State Bank Cares is a program in which the bank honors the time employees spent in their communities with organizations and programs the they are passionate about by giving back in the form of a donation based on the number of hours volunteered. In 2022, employees safely volunteered 927 hours.

We're proud of our unwavering commitment to our community. That's why we are a part of and support the following organizations:

  • 4H Clubs
  • Aggie's Country Living
  • American Cancer Society
  • American Legion Auxiliary
  • Big Brothers Big Sisters of Northwestern Wisconsin
  • Boyd-Edson-Delmar Fire Department & Ambulance Service
  • Cadott Archery
  • Cadott Area Fire & Rescue
  • Cadott Area School Districts
  • Cadott Boy Basketball
  • Cadott Class of 2020
  • Cadott Community Association
  • Cadott Farmer's Market
  • Cadott FFA Alumni
  • Cadott Hornets Shooting Club
  • Cadott Lion's Club
  • Cadott Lion's Ice Fishing
  • Cadott Nabor Days
  • Cadott Police Department
  • Cadott Red Sox
  • Cadott Schools
  • Cadott Youth Baseball
  • Chippewa Chamber Excellence in Education
  • Chippewa Chamber Farmer Appreciation Dinner
  • Chippewa County 4H Horse Program
  • Chippewa County 4H Rabbit Program
  • Chippewa County Crime Stoppers
  • Chippewa County Historical Society
  • Chippewa County Humane Association
  • Chippewa County Meat Animal Program
  • Chippewa County Sheriff's Office
  • Chippewa Falls Graduation Party
  • Chippewa Falls Chamber of Commerce
  • Chippewa Falls FFA Alumni
  • Chippewa Falls Fire & Emergency
  • Chippewa Falls Kiwanis Club
  • Chippewa Falls Lion's Club
  • Chippewa Falls Main Street
  • Chippewa Falls Oktoberfest
  • Chippewa Falls Safety Patrol
  • Chippewa Falls Schools
  • Chippewa Falls Wrestling
  • Chippewa Falls Youth Baseball/Softball
  • Chippewa Valley Bankers Association
  • Chippewa Valley Homebuilders Association
  • Chippewa Valley Society for Human Resource Management
  • Christ Lutheran School
  • Christmas Village
  • Cornell 4K Classes
  • Cornell Area Betterment Association
  • Cornell Schools
  • Country Jam
  • Eau Claire Boat Show
  • Eau Claire Chamber of Commerce
  • Friends of the Cadott Community Library
  • Hallie Girls Softball
  • Hallie Youth Baseball
  • HSHS St. Joseph's Hospital
  • Jason's Presents
  • Jim Falls Lion's Club
  • Joshua Camp
  • June Dairy Days
  • Junior Achievement of Wisconsin
  • Knox Creek Heritage Center
  • Lake Holcombe Booster Club
  • Lake Holcombe Improvement Association
  • Lake Holcombe Resort & Business Association
  • Lake Holcombe Schools
  • Lake Wissota Fireworks Fund
  • Lake Wissota Lion's Club
  • Marathon County Fair
  • Marshfield Chamber of Commerce
  • McDonell Area Catholic Schools
  • McDonnell Athletic Booster Club
  • McDonnell Senior Graduation Party
  • Musky River Hunt
  • Northwood Catholic Communities
  • Ogema Public Library
  • Otter Lake Booster Club
  • Park Falls Chamber of Commerce
  • Parkview Elementary School
  • Phillips Chamber of Commerce
  • Prentice Fire Department
  • Prentice Lion's Club
  • Prentice Progress Days
  • Quarterback Club
  • Real Estate Association of Northwestern Wisconsin
  • Relay for Life of Chippewa County
  • Rusk County Fair
  • Scarecrow Class
  • Schuetzy's Jubilee
  • Spirit of the Macs
  • Spooky Stacker Stomp
  • St. Anthony Parish
  • Stanley Community Association
  • Stanley Library Story Walk
  • Stanley Rodeo
  • Stanley Theatre
  • Stanley-Boyd Area Schools
  • Stanley-Boyd Athletic Booster Club
  • Stanley-Boyd FFA
  • Stratford Chamber of Commerce
  • Thursday Women's Golf League
  • Tilden Fire Department
  • Tilden Lion's Club
  • Town of Lafayette Youth Recreation
  • United Way
  • Whispering Pines Golf Course
  • Wisconsin Restaurant Association
  • Wissota Wake Baseball Club
  • Yellowstone Art Trail
  • YMCA

Community Involvement


Citizens State Bank is a great place to work! Add your story to our 120 year history. Citizens State Bank is focused on development while offering excellent opportunities and benefits.

At Citizens State Bank, it's our mission to develop long-term customer relationships built on trust. We strive to maintain a sales environment that reflects our mission by identifying our customers' needs and promoting practical and beneficial solutions for them. Our management team supports our mission by actively working to maintain an environment that encourages open communication, problem-solving, and a high level of customer service.

You'll love our compensation package that includes competitive wages, generous benefits, training, and opportunities for advancement.

Be part of an organization that values integrity, teamwork, and relationships – apply today!

View Openings & Apply Online

For any questions, please email

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We will be in touch shortly. You dream the dream; we'll help make it come true!