Blog

Welcome to our Financial Wellness Blog - dedicated to highlighting financial information that's useful to everyone. We've also included a Community Spotlight to promote volunteer organizations in our hometowns - Carmel, Dunkirk, Fishers, Hartford City, Knightstown, Lewisville, Montpelier, New Castle, Pendleton, Rushville, and Union City. If you'd like to submit an article for a non-profit, please read this or email Leah Driver. Thank you!

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Commercial Mortgages 101

September 29, 2020 | John P. DeLucia, Your CSB Hoosier Banker

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

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Working Remotely: How to be Safe, Secure, and Successful

September 20, 2020 | Michael Aliperti, MS-ISAC Chair

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

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Virtual Conferencing Platform Tips

June 28, 2020 | Michael Aliperti, MS-ISAC Chair

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

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PPP vs EIDL - Which is best for you?

April 4, 2020

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

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Should you have a business advisory board?

March 26, 2020 | Leah Driver

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

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Small Business Banking Basics

February 29, 2020 | Leah Driver

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

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What information is needed to apply for a business loan?

January 21, 2020 | Leah Driver

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

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The 5 Cs of Credit

December 3, 2019 | Leah Driver

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

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Are you ready to franchise your business?

November 12, 2019

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

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Celebrating Women in Business - Ashley Laurence

September 22, 2019

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

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Celebrating Women in Business - Shanna McClure

September 18, 2019

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

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Celebrating Women in Business - Kathy Denney

September 13, 2019

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

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What should I know about Commercial Mortgages?

June 13, 2019 | Leah Driver

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

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Preparing to Apply for a Small Business Loan

May 27, 2019

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

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Task Management Tools for Small Business Owners

May 26, 2019

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