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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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 Carmel, Fishers, and Pendleton.

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Insights To Help Your Business Bank With Confidence

Profitability Metrics 101

February 5, 2021

Most of us have a fundamental understanding of profitability, but digging into financial statements allows us to make smarter investments with our more

Manage Your Company's Cash Flow

January 26, 2021

When you started your business, you knew you’d have to make sacrifices and trade-offs, but you might not have realized more

What information is needed to apply for a business loan?

January 21, 2020 | Leah Driver

Wondering how to get a small business loan from a bank is a cause for celebration. You’re growing quickly, and need more resources more

Writing a Business Plan

January 14, 2019

So you’ve decided to launch your own business and be your own boss. Now what? The best step you can take now is to have a plan, or more specifically a Business Plan. Yikes! Don’t you need an MBA to write a business plan? Thankfully, the days of 100 page business plans are over, but that doesn’t mean you should bypass this important more

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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, energy, or expertise 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
  • Overwhelm around an upcoming big business purchase

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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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"The team at Citizens has never let us down. It is very refreshing to know we are not just a number and that 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."

Daniel Hubbard
Crestline Development LLC

"Over the past 6 years Citizens has introduced us to people that could provide insight or support to our business. This is the workings of a great partnership and not sure we would have received this type of support from larger, national financial institutions."

John C. Einsfield
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 the right 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.

Have Any Questions?

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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Request Your Commercial Loan Review

Our relationship managers know how it’s important to have solid data and guidance. We offer a free commercial loan review to help you make informed business decisions.