Frequently Asked Questions

Get the answers you need to make the right decisions

If you're thinking about starting up or expanding your farm or business, look here for the answers you need to minimize uncertainty and maximize your profits.

  1. Are loan decisions made locally?
  2. How well do your lenders understand agribusiness and other industries?
  3. Can my loans be flexible enough to accommodate my cash flow?
  4. Can CSB handle all my business and personal banking?
  5. Do you offer assistance with cashflow guidance and annual financial statements?
  6. Is CSB going to be with me for the long term - good times and bad?

If you're ready to get started, or need more information, contact a business and agricultural banking expert at Citizens State Bank today!


Q: Are loan decisions made locally?
Yes, all loan decisions are made locally. We've been helping area farms and businesses succeed for nearly 120 years, and continuing that tradition is very important to us.

Q: How well do your lenders understand agribusiness and other industries?
The loan officers at Citizens State Bank come from diverse backgrounds and are experts in numerous area industries. In fact, our lenders and board of directors have more than 100 years of expertise in Iowa agribusiness.

Q: Can my loans be flexible enough to accommodate my cash flow?
Yes - our focus on structuring loans terms to meet your specific needs sets us apart from other lenders.

Q: Can CSB handle all my business and personal banking?
Yes - we're a full service bank, with all the options you need to manage your personal and professional finances, including credit/debit cards, direct deposit services, retirement accounts, insurance, 24-hour online account access and more.

Q: Do you offer assistance with cashflow guidance and annual financial statements?
Yes - we know how overwhelming and confusing planning and tax time can be, so we're ready to offer our expert input and feedback to minimize your frustration and maximize your profits.

Q: Is CSB going to be with me for the long term - good times and bad?
Since opening our doors in 1893, Citizens State Bank has weathered nearly every type of economic growth and decline - from turn-of-the-century "panics," the Great Depression and post-war booms through the 1980s farm crisis and recent big-bank bailouts.

And with more than 200 years of combined experience, the current CSB team has the tools and resources to guide you through volatile and unpredictable business cycles.


Talk to the experts

Matt McCallum

Location: Olin
Phone: 319-484-2247
Fax: 319-484-2879
NMLS ID# 774964
matt@csbwyoming.com
Do not send personal information via email.

Jim Thines

Location: Wyoming
Phone: 563-488-2211
Fax: 563-488-2226
NMLS ID #774963
jimt@csbwyoming.com
Do not send personal information via email.

Tony Portz

Location: Wyoming
Phone: 563-488-2211
Fax: 563-488-2226
tony@csbwyoming.com
Do not send personal information via email.