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.