It’s Time You Bank And Borrow With Confidence

The relationship-driven, local bank you’ve been searching for is right down the street. Citizens State Bank has a storied legacy in our community and a suite of personal and business banking services serving customers like you across Central Indiana.

Few Banks Get to Celebrate 150 Years

While we're proud of our 150-year history, we are firmly focused on the future. 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.

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.

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

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

Business Banking

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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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. Nearly 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.

Schedule a Conversation

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.

It’s Time You Bank And Borrow With Confidence

Few Banks Get to Celebrate 150 Years

We Know Banking Can Be Frustrating

Stories That Speak For Themselves

Banking Designed With You In Mind

Personal Banking

Business Banking

How To Get Started

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Right Down The Road, Still Accessible Anywhere

A Banking Mainstay in Central Indiana

Our Promise

Insights To Align Your Money And Goals

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