Home State Bank and Trust - Your Trusted Partner Since 1903
  • Internet Banking
  • Business Banking
  • Personal Banking
  • Ag Center
  • Lending Center
  • Benefit 50 Center
  • Investment Center
  • Citizens Financial Services
  • Student Center
  • Learning Center
  • Employment Center
  • Fraud Center
  • Giving Hope Cancer Fund
Find an ATM

Search for The Citizens State Bank in the App Stores!

Latest News and Events

**Important**  Due to software conversions, all The Citizens State Bank and Home State Bank locations will be closed from Saturday, October 10th thru Monday, October 12th (over the Columbus Day Holiday).  We encourage you to use our other banking products during this time--Online Banking, Telephone Banking, ATM's, Mobile Check Deposit.  We apologize for any inconvenience. 

 Residential Real Estate Rates As Low As:

Term Rate APR Payment †
15 Year 3.125% 3.209% $1,044.91
20 Year 3.500% 3.551% $869.64
30 Year 3.875% 3.912% $705.36

The above APR is calculated on a loan amount of $150,000 with a Loan to Value (LTV) of 80% and a credit score of 720 or better. Loans with a LTV greater than 80% are available. Click here for more information!

† Payments shown do not include taxes or insurance, actual payments may be greater.



Click above for more information



Online Banking Login
Equal Housing Lender Member FDIC
Funds Availability  |  Patriot Act  |  Privacy Notice  |  Reg E
            e-Banking Agreement