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

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

Despite the rain, we had an amazing time sponsoring a night out for The New Foster Care's staff and participants at the Royal Oak Leprechauns game! 🌧️⚾️ It was wonderful to see everyone enjoying themselves and coming together as a community. The New Foster Care's mission is to make a transformative change in the Michigan foster care system and create a measurable and meaningful impact in the lives of children who have experienced foster care. We are proud to support such an incredible organization. Member FDIC. Equal Housing Lender. #TheNewFosterCare #RoyalOakLeprechauns #CommunitySupport #CitizensStateBank #RainOrShine #TransformativeChange #FosterCareImpact

At Citizens State Bank, we support entrepreneurs because we are entrepreneurs. Our Money Service Business Accounts are designed to navigate the unique challenges of Money Services Businesses, offering full access to our banking products and services. Discover how we can help your business thrive. Member FDIC. Equal Housing Lender. #MSB #EntrepreneurSupport #BankingSolutions

We are so excited to participate in and sponsor the Chaldean American Chamber of Commerce Golf Outing! Member FDIC. Equal Housing Lender.

Thank you Citizens State Bank, for supporting inclusive communities by sponsoring our annual Driving Fore Dutton Golf Outing!