Rooted in agriculture, committed to you!

Citizens State Bank has a great team of ag lenders.
Pictured, Bruce Mathwig, Jason Winter, Tony Bentz and Dan Traxler.

We know agriculture is more than hard work; it’s a way of life passed down through generations. That’s why our lending team takes the time to understand your farm, your goals, and the unique challenges you face.

Whether you’re investing in new equipment, expanding your herd, purchasing land, or covering seasonal operating expenses, you can count on us for flexible financing and local decisions made by people who know and care about our community.

With Citizens, you are not just getting a loan. You are gaining a partner who is committed to helping your operation thrive year after year. Our team delivers personalized service with honest guidance because we understand the tough choices farmers face and the importance of planning for the future of your farm.

Supporting Our Farmers and Local Businesses This Harvest Season

As the combines roll through the fields and grain trucks make their way down our roads, it’s a good time to pause and recognize the people who keep our communities strong. Harvest season is more than just the end of a growing cycle. It’s the result of months of planning, long days in the field, and faith that weather and markets will cooperate. For our farmers, every load of grain represents not just a crop, but a livelihood that supports families, schools, churches, and local businesses.

Our small businesses are just as essential. They are the stores, restaurants, truck drivers, and service providers that keep our towns running every day. They employ our neighbors, sponsor youth sports teams, and keep dollars circulating right here at home. Together, farmers and local businesses form the backbone of Norwood Young America and the surrounding towns.

At Citizens State Bank, we are proud to stand beside them. For farmers, that means providing operating lines, livestock and equipment financing, and help with managing cash flow during the ups and downs of the season. For small businesses, it means access to working capital, payment solutions, and a trusted partner when new opportunities arise.

When farmers and businesses succeed, our entire community benefits. Every harvest check and every small business sale helps support other neighbors in the community, from teachers and builders to local tradespeople and churches. That is why we remain committed to giving our customers the financial tools and personal service they need to thrive.

This fall, as you pass fields busy with harvest or stop into a local shop, take a moment to appreciate the hard work behind what you see. Farming and small business ownership are not easy paths, but they are rewarding ones. Their dedication strengthens our community today and shapes the future for the next generation. We are honored to play a small part in that success.