General Information

Citizens Savings Bank and Trust Company provides friendly and personal service to individuals and businesses. We are an equal opportunity employer with two convenient locations and approximately $100 million in total assets. Citizens Savings Bank and Trust Company is a privately owned company.


Citizens Savings Bank and Trust Company is certified as a Community Development Financial Institution (CDFI)

A certified CDFI is a mission-driven financial institution dedicated to expanding economic opportunity to economically disadvantaged individuals and underserved communities by providing access to financial products and services for local residents and businesses.

CDFIs invest in local communities and the residents who live there by providing critically needed financing often unavailable from mainstream financial institutions.

CDFI certification, administered by the U.S. Treasury Department’s CDFI Fund, indicates the bank has devoted at least 60% of its total lending, services, and other activities to benefit low income communities.

As a CDFI, Citizens Savings Bank & Trust Co. puts the community first and values local, economic growth.

CDFI Certified Banks:

Build wealth in communities by investing in areas underserved by the traditional banking sector.

Engage in a wide range of lending to support affordable housing, small business, community facilities, mixed use facilities and commercial real estate, and consumers. Community Development Banks provide financial services and technical assistance to low-income consumers in order to help move these individuals from the unbanked to the formal banking sector.

Provide technical financial assistance to make sure their customers are informed consumers, and understand the products and services they are receiving.

Do not practice predatory lending, including abusive payday loan products or predatory mortgage lending.

Represent a variety of institutions, including state and nationally-chartered banks and thrifts both urban and rural. Most are privately held institutions with support from socially motivated investors.


At Citizens Savings Bank and Trust Company Online you can:



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