The Citizens State Bank

This is a commercial bank that offers SBA loan programs and financial services tailored for small businesses. You can find assistance with funding, loan applications, and business growth strategies here.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also accepted during business hours.

The Citizens State Bank's customer service hours are 8 AM to 5 PM Central Time, Monday through Friday. Please confirm current hours directly with the bank.

There are no fees to visit the bank, but loan application and processing fees may apply depending on the services used.

This bank serves the local community and small business owners, primarily residents and businesses within the region.

A minimum personal credit score of 640 is generally recommended, but other factors such as business cash flow are also considered.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the loan and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and The Citizens State Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call The Citizens State Bank to confirm current weekend availability before you go.

The Citizens State Bank is located in Kansas — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for The Citizens State Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Citizens State Bank itself, which runs its own lending under its own ownership. If you work at The Citizens State Bank, you can claim this listing from this page to manage it.

The core details for The Citizens State Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with The Citizens State Bank before applying. If you represent The Citizens State Bank, claim this listing to keep its information up to date.

The Citizens State Bank can be reached at (620) 345-6317 or through a secure contact form at thecsb.com/contact-us-form/ (1-2 business day response time). For SBA loans, ask for their business lending department. Please confirm loan options directly with the bank.

Like most SBA lenders, The Citizens State Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask The Citizens State Bank directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether The Citizens State Bank participates in SBA Express depends on its specific SBA lending authority. Contact The Citizens State Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. The Citizens State Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. The Citizens State Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Citizens State Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask The Citizens State Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask The Citizens State Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with The Citizens State Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. The Citizens State Bank weighs this case by case under its own policy, so be upfront about your history and ask The Citizens State Bank how it evaluates prior bankruptcies.