Blog

Our Chief Lending Officer, John P. DeLucia ("Johnny D") will be providing commercial lending information, tips, and insights from time-to-time. If you have questions for John, be sure to let us know....read more

Between working at the office, or school, or remotely, the principles of security can become something of a moving target. For some, this creates an uncertainty...read more

With the recent move for many to working from home, there are a lot of questions around virtual conferencing platforms. Much of the attention has focused on the security of some platforms...read more

The SBA is offering small business owners funding through the Paycheck Protection Program and Economic Injury Disaster Loan. Which is best for you?...read more

Even before the pandemic, and a business environment unlike any other, advisory boards were having a moment. But what is an advisory board, and is it right for you?...read more

Is it really important to keep your personal and business accounts separate - especially if you're just starting a business?...read more

Perhaps you're ready to apply for a business loan, but you're not quite sure where to start. Although exact documentation needs...read more

While every bank has their own lending "formula," almost all use some form of The 5 C's of Credit as a basic guideline to evaluate a potential borrower. Business owners, or...read more

According to the 2017 Economic Census, franchises exist in over 300 industries – from fast-food restaurants to less obvious industries like weight-loss clinics and warehousing. If you...read more

Hartford City Banking Center Manager Ashley Laurence is an example of what can happen...read more

Senior Vice President – Chief Human Resources Officer Shanna McClure is another phenomenal #TeamCSB woman who believes in living the...read more

We're publishing a series of articles celebrating women in business, starting with Kathy Denney, AVP - Chief Compliance Officer here at Citizens State Bank....read more

If you’ve realized your rent is too high, you’ve outgrown your office space, or you have a balloon payment coming up, you’re probably...read more

Applying for a business loan can be intimidating, but the more preparation you do, the higher your odds of getting your application approved. Here...read more

Everyone feels like there aren’t enough hours in the day, but this is especially true for entrepreneurs. There are so many aspects to owning a business – which is why it’s important to find the right tools to help. To celebrate #SmallBusinessMonth, we’ll be sharing...read more