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 Yeah – we were hoping you’d feel like that!


The words “Bank” or “Banking” can be used in reference to a broad spectrum of financial organizations. Citizens State Bank Norwood Young America has been and will continue to serve as your local community bank. The mega-banks’ business model is so fundamentally different, with customer satisfaction seemingly absent, I feel Citizens State Bank occupies a unique niche in the vast banking industry.

Citizens State Bank occupies a physical location of course. In addition, convenient access to specific information and services is available electronically. Beyond an inviting building, full- featured internet banking, ATM and telephone banking, it is our respect for and attitude about our customers that really defines Citizens State Bank.

When I have been asked “What is a community bank?” I feel a second question can lead to the best answer. “Who is your community bank?” brings us to the heart of the matter because it is people who are the bank. Together, our loyal customers and our dedicated employees comprise both the ‘who is’ and the ‘what is’ of a community bank.

Our employees respect the trust and confidence customers place in us. We are focused on helping to craft solutions that best serve the needs of our customers. If our customers are successful then the bank will also prosper.

The customers of Citizens State Bank help to shape, guide, and describe the bank. We are fortunate to regularly receive very kind and positive comments from our customers regarding their experiences with the bank. The bank staff is encouraged by the heartfelt testimonials our customers so graciously volunteer.

I am proud of our employees when customers make a point to stop in and say “I just wanted you to know what a wonderful job so and so did when she helped me…. You guys go way above and beyond.” The staff of Citizens State Bank is truly thankful that those customers we serve both feel and experience the appreciation we have for them.

Person to person. Neighbor to neighbor.

Yesterday, today and tomorrow.

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