Most of us have a fundamental understanding of profitability, but digging into financial statements allows us to make smarter investments with our money....read more
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.
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.
Insights To Help Your Business Bank With Confidence
Wondering how to get a small business loan from a bank is a cause for celebration. You’re growing quickly, and need more resources to...read more
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 step....read more
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
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.
"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
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.
Step 2: Receive a financial analysis
We analyze your business and provide the right recommendations to optimize your operation for your financial success.
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.