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 pledge to continue to:

  • make sound, prudent financial decisions for the long-term benefit of the bank, our customers, our communities, our shareholders, and our employees
  • provide financial products and services that meet the needs of our customers and quality customer service
  • create a challenging, satisfying work environment by encouraging our employees to excel with professional development opportunities and excellence rewards
Community Involvement

Community Involvement

We're proud of our unwavering commitment to our community. That's why we support:

  • Big Brothers Big Sisters of Northwestern Wisconsin
  • Boyd Park Concessions Stand Project
  • Cadott Community Summer Library Program
  • Cadott Fire Department
  • Cadott Lions Club
  • Cadott Riverview Park Playground Fund
  • Cadott Youth Wrestling
  • Chippewa County Historical Society
  • Chippewa County Humane Association
  • Chippewa Falls Area Chamber of Commerce
  • Chippewa Falls Area School District
  • Chippewa Falls Boys and Girls Club
  • Chippewa Falls Fire Department
  • Chippewa Falls Lions Club
  • Chippewa Falls Kiwanis Club
  • Chippewa Falls Main Street
  • Chippewa Falls Oktoberfest
  • Chippewa Falls Safety Patrol
  • Chippewa Falls Youth Baseball
  • Chippewa Falls Youth Wrestling
  • Chippewa Falls YMCA
  • iHeartMedia Christmas is for Children Program
  • Hallie Baseball and Softball
  • HSHS St Joseph's Hospital
  • Jason's Presents
  • Jim Falls Lions Club
  • Joshua's Camp
  • Junior Achievement of Wisconsin
  • Lake Wissota Lions Club
  • McDonell Area Catholic Schools
  • Relay for Life of Chippewa County
  • School District of Cadott Community
  • Susan B Komen Foundation
  • Tilden Fire Department
  • Tilden Lions Club
  • Town of Lafayette Youth Recreation
  • Yellowstone Art Trail

Community Involvement


Citizens State Bank is the best kept secret in banking. Join us in building on our 100+ years of community banking experience – we are ready to grow!

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!

Apply Today

Send us your resume:

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


Download the application

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 surrounding locations. Hours are between 7:15 am and 6:00 pm Monday through Friday and 7:45 am - 11:30 am on Saturday.  

Junior Agricultural Lender/Credit Analyst

Do you have a passion for sales, building relationships and working with agricultural businesses and people to achieve their goals and 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. 

We are seeking a Junior Agricultural Lender / Credit Analyst.  This position is a hybrid role designed to support the VP of Agricultural Lending and also support the agricultural credit analysis function of the Bank.  The Junior Agricultural Lender / Credit Analyst role is designed for the candidate to learn the Agricultural lending function of the bank so as to prepare to become an agricultural lender.  The credit analyst function is designed to streamline credit analysis and aid in the analysis and approval of agricultural loans in the bank.

The ideal candidate will have a minimum three years of experience in the banking/financial services industry, with at least three years in credit analyst and/or agricultural experience.  Excellent verbal and written communication skills required.

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