Who We Are

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. View all locations.

Community Involvement

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.
Community Involvement

Community Involvement

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
  • American Legion Auxiliary
  • Big Brothers Big Sisters of Northwestern Wisconsin
  • Cadott Archery
  • Cadott Boy Basketball
  • Cadott Class of 2020
  • Cadott Community Association
  • Cadott FFA Alumni
  • Cadott Fire & Rescue
  • Cadott Hornets Shooting Club
  • Cadott Lion's Club
  • Cadott Lions Ice Fishing
  • Cadott Police Department
  • Cadott Schools
  • Cadott Youth Baseball
  • Chippewa County 4H Horse Program
  • Chippewa County 4H Rabbit Program
  • Chippewa County Historical Society
  • Chippewa County Humane Association
  • Chippewa Falls Chamber of Commerce
  • Chippewa Falls Fire & Emergency
  • Chippewa Falls Kiwanis Club
  • Chippewa Falls Lions
  • Chippewa Falls Main Street
  • Chippewa Falls Oktoberfest
  • Chippewa Falls Safety Patrol
  • Chippewa Falls Schools
  • Chippewa Falls Wrestling
  • Chippewa Falls Youth Baseball/Softball
  • Chippewa River Baseball
    (Cadott Red Sox)
  • Christmas Village
  • Cornell 4K Classes
  • Cornell Area Betterment Association
  • Cornell Schools
  • Chippewa Valley Homebuilders Association
  • 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
  • Junior Achievement of Wisconsin
  • Lake Holcombe Booster Club
  • Lake Holcomber Schools
  • Lake Wissota Fireworks Fund
  • Lake Wissota Lion's Club
  • McDonell Area Catholic Schools
  • Musky River Hunt
  • Nabor Days - Cadott Community Association
  • Parkview Elementary School
  • Quarterback Club
  • Real Estate Association of Northwestern Wisconsin
  • Relay for Life of Chippewa County
  • Scarecrow Class
  • Spooky Stacker Stomp
  • St. Anthony Parish
  • Thursday Women's Golf League
  • Tilden Fire Department
  • Tilden Lions Club
  • Town of Lafayette Youth Recreation
  • Whispering Pines Golf Course
  • Wisconsin Restaurant Association
  • Yellowstone Art Trail
  • YMCA

Community Involvement


Citizens State Bank is a great place to work! Add your story to our 110 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 – send us your resume today!

Apply Today

Send us your resume:

Citzens State Bank
Attn: Human Resources
304 N Main St
Cadott, WI 54727


Download the application

Credit Analyst


Do you have a passion for crunching numbers, evaluating financial data and helping people achieve their dreams?  Are you interested in joining a growing company that provides a supportive yet challenging, team-based work environment, encourages professional development and rewards employee excellence?  If so, we have an exciting opportunity for you!

Citizens State Bank, established in 1902, is an independent community bank located in Cadott, WI.  We are committed to building long term, lasting relationships with our customers and our community.  Our top priorities are providing superior customer service and developing financial products and services that work for our customers. 

The Credit Analyst works with our established Lending Team to collect and analyze customer's financial information, analyze market conditions, determine risk, and prepare and deliver loan presentations.   They also monitor existing client's accounts, maintain files and records and complete annual file reviews.  This is a full-time position Monday - Friday.  We offer a competitive wage and a generous benefits package.

Our ideal candidate will have a Bachelor's or an Associate's Degree in Accounting, Finance, or closely related field.  1 - 3 years of related experience and/or business or agricultural experience is preferred.  Candidate will be self-motivated, organized, detail oriented, able to multi-task, problem-solve and critically analyze data.   Strong oral and written communication skills and the ability to work well with others are must have skills.  Experience with Microsoft Office suite is required with a high proficiency in Excel.

If you are interested in becoming a part of our Credit Team and meet the qualifications for our Credit Analyst position please email, call or send a resume and letter of introduction to:

Citizens State Bank

ATTN Nicole Kauphusman



PO Box 66

Cadott, WI  54727


Citizens State Bank is an Equal Opportunity Employer, Member FDIC and Equal Housing Lender

Customer Service Representative / Bank Teller

The Bank Teller/Customer Service Representative's responsibilities include greeting customers in a friendly and courteous manner, processing financial transactions, vault balancing, ATM balancing, credit card balancing, and opening accounts for new customers. They have the knowledge of all bank products and services in order to assist customers in determining which bank products and services are best for their situation.

A qualified candidate has a high school diploma or equivalent and one year of cash handling and customer service experience. Prior teller experience is preferred. Drivers license and reliable vehicle required.

This full-time position will work primarily in our Cadott, Chippewa Falls and Cornell locations. Hours are between 7:15 am and 6:00 pm Monday through Friday and 7:45 am - 11:30 am on Saturday.  

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