Welcome to Carmel!

We're excited you've chosen us to join your financial journey. Our mission is to help our clients, co-workers, and communities succeed, which means we provide the products, services, and tools designed to help you reach your financial goals. Here are some resources to help you get started -

Carmel, IN Citizens State Bank Office

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Banking Center Info:

Andrew Loveall, Assistant Banking Center Manager
Phone: 317-844-5170, ext 7793
Email: aloveall@townfin.com

Drive-Up ATM
Notary Service
Night Deposit Box

General Information:

Bank Routing Number: 074902082
Customer Care: 888-529-5450
Switch Kit - includes Direct Deposit Authorization and a Payments/Transfer Worksheet
Financial Wellness

Maximize Your Account Benefits


  1. Sign up for direct deposit with your employer. If possible, have a portion of your deposit directed to savings.
  2. If you haven't done so, enroll in online banking. This allows you to use our Digital Banking Suite to control your banking experience and money management.
  3. Learn as much as you can about budgeting, saving money, and investing. Find reliable resources, mentors, and advisors to help.

On the Loan Side- 

  1. Monitor your loans, and be sure to schedule an annual review. Many things can change over the course of a year, so it's smart to keep as close an eye on your loans as you do your savings.
  2. Before applying for a loan, explore your options.
  3. Learn as much as you can, including finding reliable resources and advisors.

Meet the Carmel Team:

Image for Romhaad Davis

More Info

Romhaad Davis

Banking Center Manager

P: 317-844-5170  ext: 7742

C: 317-966-5245

NMLS#: 1314579


Image for Melissa Volz-Smith

More Info

Melissa Volz-Smith

Regional Mortgage Loan Officer

P: 317-844-5170  ext: 7769

C: 317-550-8868

NMLS#: 1465209