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.  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.