Financial Review


How does your current financial institution compare to Citizens State Bank? We'll help you find out. Schedule a free appointment with a Relationship Manager, no strings attached. We'll help you piece together your current financial position, show you what we offer, and you can evaluate for yourself. For a limited time, you can receive a credit of up to $5,000 on commercial mortgage closing costs.* Just submit the form below, and we’ll contact you to schedule your complimentary financial review.

Financial Review Meeting

What can you learn from a financial review?

  • What is your current interest rate and loan term?
  • If you have an adjustable rate, when does your rate adjust? Do you know what your new interest rate will be?
  • Is your loan going to balloon? If so, when will that happen?
  • Do you have a prepayment penalty?

What is a balloon payment?
A balloon payment is a large payment due at the end of a amortized loan such as a commercial mortgage. A balloon loan typically features a relatively short term, and only a portion of the loan's principal balance is amortized over the term. At the end of the term, the remaining balance is due as a final repayment.

*Receive a credit up to .5% of the total loan amount, up to $5,000, on closing costs for new commercial mortgage applications received between 5/1/19 and 07/31/19 that close by 11/30/19. Loan requirements include an acceptable LTV with first lien position and are subject to credit approval. $100,000 minimum loan amount. Closing costs eligible for waiving include appraisal, title, environmental certification, and origination fees. SBA charges cannot be waived, and other fees may apply. Closing cost reductions are credited at closing. Citizens State Bank may modify or cancel the program at any time.