Business Banking and Resources Designed with You in Mind

Running a small to medium-sized business in today’s environment comes with some big decisions. Whether it’s time to transition from leasing to owning, make a big purchase, or set your sights on new horizons, you need someone you can count on. 

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Operate With Ease

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Ensure Financial Stability

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Unlock New Opportunities

A Personal Touch to Business Banking

Since 1873, we’ve come alongside entrepreneurs and enterprises alike to ensure they have the right resources and relationships to grow with confidence. With four generations of family-owned service, we partner with business leaders like you at locations throughout Central Indiana, such as Fishers, Carmel, Pendleton, and surrounding areas. 
 
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Build, Grow, and Manage Your Business

Business Checking

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Business Loans

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Request A Financial Assessment

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Cash Flow and Management

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No Business Should Be Treated Like a Number 

Your business needs more than an impersonal bank. You don’t have the time or energy to wade through the complexities of banking on your own. 

It can lead to…

  • Plateaued profits
  • An unclear financial path to growth
  • Missed opportunities due to cash flow
  • Continued inefficiencies in your operation
  • Uncertainty about an upcoming purchase

Whether you need to acquire equipment, purchase property, or make decisions, we’re a partner who can help you get answers and a clear path forward.

 

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Insights To Help Your Business Bank With Confidence

 

Bank Switch Kit for Business Owners

Writing a Business Plan

Manage Your Company's Cash Flow

What Information Is Needed to Apply for a Business Loan

Business Banking Basics

5 Treasury Management Considerations For Your Business

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Our Clients

crestline
inroads analytics
CRP
fishers imports
complete office supply

It is very refreshing to know we are not just a number and that our requests don’t have to get sent to an out of office state for approval.  We can 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

Citizens State Bank has always been there for us when we needed them.  Their personal touch combined with their ability to really dig in and help find a solution has been invaluable.  Because you can talk to them, they can really understand deals and work with projects that don’t fit in other banks’ very small box.

Daniel Hubbard Crestline Development

Over the past 6 years they have introduced us to people that could provide insight or support to our business.  This is the workings of a great partnership and not sure if we would have received this type of support from larger more national financial institutions throughout the U.S.

John C. Einsfeld Subzero Nitrogen Ice Cream

How We Work With You

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Step 1: Start a Conversation

We’ll get to know your business, discuss your financial priorities, and set a course that aligns with what you need most.

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Step 2: Receive a financial analysis

We analyze your business and provide recommendations to optimize your operation for your financial success. 

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Step 3: Unlock new opportunities for your business

Watch our partnership provide the resources, expertise, and peace of mind you need to focus on what matters most.

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Have Any Questions?

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Make an Appointment

Speak with a banker to get the recommendations and expertise you need.

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Find a Location

Find a Citizen State Bank location in Central Indiana near you.

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Schedule a Conversation

Our Relationship Managers understand how important it is to have solid data and guidance when making financial decisions about your business. 

That's why we start with a conversation to review your financials and talk through your business goals. Whether you're considering the purchase of land or equipment, have a current commercial loan that's due soon, or considering different strategies for handling cash flow, we can help you determine the next right step.