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For a limited time, Home Equity Loan rates as low as 7.5% APR

Approval subject to normal credit standards. Rate effective 06/09/25 and subject to change without notice.

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Home Improvements

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Life Events

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Debt Consolidation

We Know Banking Can Be Frustrating

No matter what the big banks say, their customers end up feeling like nothing more than a number. Even if they offer every product or service you need, they don’t make banking easy which is frustrating. And the baby banks? They’ve got personal service down, but don’t have the chops to deliver everything you need to bank in the digital age.

See Why We're Different

Need support with your existing account? Start here.

Man and woman discussing financial situation

 

Stories That Speak For Themselves

These individuals, families, and businesses are banking with confidence. You can too.
 

It is very refreshing to know we are not just a number and that our requests don’t get sent out of state for approval. We get help and answers right away. With the speed of business today, this type of partnership gives us an edge to keep growing.

Alan Bird, Complete Office Supply

Initially, I was skeptical about CSB's emphasis on relationships. But, over time, I realized it was 500% true.

Daniel Hubbard, Crestline Development

I have been with Citizens State Bank for several years and the staff is always personable and professional. They make customers feel like family.

L. Rollins

I only began doing business with Citizens State Bank a few years ago, and now do my personal and business banking with them. When I began asking other people for local recommendations, Citizens was the overwhelming response.

Tim - The Non-Sports Guy

Banking Designed With You In Mind

After more than a century of banking in Central Indiana, we know our sweet spot—being big enough to offer everything you need and small enough to call you by name. Ready to bank with ease? We offer everything from standard checking and savings to advanced lending and financing options to meet your personal or business banking needs.

 

Personal Banking

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Business Banking

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How To Get Started

Step 1:

Schedule a Conversation

Meet our team — yes, an actual live person — in a quick call to see how we can best serve you.

 

Step 2:

Open an Account

Whether you decide to bank or borrow with us, it all starts with opening your account. It’s simple and painless (we promise).

 

Step 3:

Bank with Confidence

Managing your money can feel complicated at times. We combine intuitive tools with exceptional customer experience you’ll rave about.

 

Schedule a Conversation

Already bank with us? Access your account and support here.

Right Down The Road, Still Accessible Anywhere

When we talk to customers about how they bank, people tell us they value the modern conveniences of digital banking and the ability to walk right in to take care of business. That’s why our online banking portal and mobile apps offer you complete control to manage your money on the go. And with locations throughout Central Indiana (from Carmel to Rushville), we’re just down the road whenever only in-person service will do.

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Citizens State Bank Carmel, Indiana Building

 

A Banking Mainstay in Central Indiana

Since 1873, we’ve been serving our community with your personal and business banking needs. You read that right. Over 150 years ago, Jesse James just conducted his first heist, Yellowstone was the newest national park, and our founder John R. Millikan established Citizens State Bank. So many things have changed since those early days, but our commitment to serving our fellow Hoosiers' banking needs remains our north star.

About

Our Promise

We’re in the people business. And our people are right here in Central Indiana. If you, your family, or your business call the Hoosier Heartland home, we’re a bank designed with you in mind.

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Financial insights, money and ideas

 

Insights To Align Your Money and Goals

Whether you’re managing company cash flow, applying for a loan, or optimizing your money habits, our resources are designed to help you work every penny to the fullest.

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Let's Talk

Sure, you can open a new account or get started in ways that don’t require talking with a real human (we see you, introverts).

But managing your money is one of the most important things you do for yourself or business. And if you’re ready to bank or borrow for an important goal sometimes you simply need a little time with a trusted expert.

That’s the beauty. We’ll listen. You’ll feel peace of mind. And together, you’ll have confidence in a plan designed to meet your most important goals.
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