Citizens State Bank

Your safety and security are our top priorities, and we want to ensure that you feel completely confident when banking with us. That's why we're proud to remind you that we are an Equal Housing Lender and a Member of the Federal Deposit Insurance Corporation (FDIC). As an Equal Housing Lender, we abide by the Fair Housing Act, which means we treat all individuals equally and do not discriminate against anyone based on race, color, religion, sex, national origin, disability, or familial status. Whether you're looking for a mortgage, loan, or any other financial service, you can rest assured that we provide equal opportunities and fair treatment to all. Moreover, being a Member FDIC institution offers an added layer of protection to your deposits. The FDIC insures your funds up to the maximum allowed by law, currently $250,000 per depositor, per account ownership category. This means that even in the unlikely event of a bank failure, your deposits with us are secure. We take great pride in being transparent about our commitment to your safety and financial well-being. By being an Equal Housing Lender and an FDIC Member, we are dedicated to upholding the highest standards of trust, integrity, and fairness. If you have any questions or concerns about our services, please don't hesitate to reach out to our customer support team. We're here to assist you every step of the way. Thank you for choosing us as your trusted banking partner. Your trust means the world to us! #EqualHousingLender #MemberFDIC #YourSafetyMatters #TrustedBanking

We had an incredible time at the Arts Beats and Eats preview event tonight! We ate delicious food while listening to live music on the Fifth Avenue patio. We can’t wait to see what next weekend has in store! Member FDIC. Equal Housing Lender.

We had a fantastic time at the Chaldean Chamber event last night! It was great to connect with so many amazing people, including the inspiring Chris Kouza, one of the evening's speakers. We enjoyed the beautiful atmosphere at the Cambria Hotel and are looking forward to more events like this. Here's a picture of our team with Chris! Member FDIC. Equal Housing Lender.

CSB’s client, Les, going fishing! 🐠 🎣 Member FDIC. Equal Housing Lender.

We are thrilled to announce that Citizens State Bank has crossed the remarkable threshold of $300 million in assets! This milestone is a true testament to the transformative period of growth and evolution we have experienced since opening our doors in October 2021 with $60 million in assets.   Our rapid growth has been driven by our unwavering commitment to customer focus and relationship building. We owe this achievement to our incredible customers and friends who have continuously supported and referred us to their networks. Your trust and loyalty have been the cornerstone of our success.   At Citizens State Bank, we pride ourselves on thinking outside the box and offering a unique, personalized banking experience that sets us apart from the big banks. Our strategic initiatives to enhance our product offerings, streamline operations, and strengthen customer relationships have fueled this extraordinary growth.   We are deeply grateful to our loyal customers who have been with us on this journey. Your support has been instrumental in reaching this milestone, and we remain dedicated to serving you with the same level of excellence and personal touch.   Thank you for believing in us. No matter how big we get, we will never forget who we are and where we come from. Here’s to continued growth and success together!   Contact Us Today! Rana Adou – radou@micsb.com | (248) 602-8169 Hyassant Najor – hnajor@micsb.com | (248) 404-5720 Ramzi Faraj – rfaraj@micsb.com | (248) 613-9044 Poppy Fischer (Chief Morale Officer / French Bulldog) - pfischer@micsb.com Member FDIC | Equal Housing Lender

Citizens State Bank is proud to announce that Ramzi Faraj is joining our team as the new Vice President and Consumer Lending Manager. Ramzi brings with him over 30 years of extensive experience in the mortgage and banking industry, making him an invaluable addition to the Citizens State Bank team. Ramzi's career has been marked by his leadership in various esteemed institutions. Most recently, he served as Branch Manager at Delmar Mortgage in Trenton, MI, where he led the branch to success from February 2023 to May 2024. Prior to that, he held the position of Branch Manager at Community First Home Mortgage Powered by Stockton Mortgage in Sterling Heights, MI, contributing to their growth and customer satisfaction. His vast experience also includes significant roles at Success Mortgage Partners, PrimeLending, and Talmer Bank and Trust, where he was recognized as a top producer and trusted mortgage adviser. Ramzi's deep understanding of residential mortgage lending and his commitment to helping families achieve home ownership have been consistent throughout his career. "Ramzi Faraj is a tremendous asset to our team. His expertise in consumer lending and his dedication to providing exceptional service align perfectly with our mission at Citizens State Bank," said Dan Fischer, President and CEO of Citizens State Bank. "We are confident that under his leadership, our consumer lending department will continue to thrive and better serve our community." Ramzi is excited to join Citizens State Bank and contribute to its tradition of excellence. "I am thrilled to be a part of a bank that prioritizes community and customer service. I look forward to working with the talented team at Citizens State Bank and supporting our clients in achieving their financial goals," said Ramzi. For more information about Citizens State Bank and its services, please visit www.micsb.com or contact our main office.

We understand the unique needs of Money Service Businesses. That’s why we offer tailored banking services and extraordinary customer support to ensure your business has everything it needs to thrive. Member FDIC. Equal Housing Lender. #MSB #CustomerSupport #BankingServices

Access to capital is crucial for Money Services Businesses. At Citizens State Bank, we make sure you have full access to all our banking services, including Treasury Management Services. Let's grow together. Member FDIC. Equal Housing Lender. #AccessToCapital #MSB #TreasuryManagement #CitizensStateBank

Our Money Service Business Accounts offer more than just banking – they offer solutions. With armored cash courier services and smart safes, we ensure your business operations run smoothly and securely. Member FDIC. Equal Housing Lender. #CourierService #SmartSafes #MSB #BankingSolutions

Banking for Money Services Businesses can be tough, but not with Citizens State Bank. We provide customized banking relationships with extraordinary customer service tailored to your specific needs. Let us help you succeed. Member FDIC. Equal Housing Lender. #CustomizedBanking #MSB #CitizensStateBank