President’s Message


Dr. Deborah A. Cole
President’s Message
Citizens Savings Bank and Trust Company holds a premier place in history due to its heritage and the fact that it is the country’s oldest continuously operating minority-owned and operated bank. We are committed to handling the needs of our customers; therefore, we constantly strive to become better at operations and providing a variety of quality services and products through a friendly and competent staff.Improving the bank’s technology is a priority. Along with our other services, we now offer automated telephone banking with the capability to handle account inquiries, funds transfer requests, check verifications and loan payment requests. We strongly feel that our increased investments in technology will yield profitability, customer satisfaction, growth and a stronger bank.Citizens Savings Bank and Trust Company continues to grow and has a full service Branch facility in the Kroger Store at 3930 Clarksville Hwy.  In addition to our branch locations, ATMs have been installed in the Main Office at 2013 Jefferson Street and on the campus of Meharry Medical College in the Basic Sciences Building. It is our goal to provide other locations convenient to our customers. In addition, we have a competent and well-trained staff prepared to serve you at our Main Office and each of our branch locations.