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Thinking about taking that well deserved vacation, building your dream home, starting your own business or consolidating debt? Don't wait any longer to fulfill your dreams. Let Citizens State Bank find the right loan to make your goals become a reality.  Stop by or call to speak to a loan representative today.



Commercial Real Estate Loans

  • Owner occupied properties - Based on the strength of the owner or owner entities,
        the bank will make loans for purchases or refinancing.
  • Construction- The construction loan segment of the real estate portfolio
        will be supporting the prudent growth primarily in the area marketplace.
  • Land- The bank will continue seeking income producing real estate loans from multi-family
        or strip center properties
  • Multi-family properties
  • Income and investment properties
  • Office properties
  • Retail properties


Commercial Non-Real Estate Loans

  • Small Business/ Working Capital Loans
  • Equipment/Inventory/Leases/FF & E  Loans
  • Account Receivable Loans
  • Asset Based Loans
  • Commercial and Industrial Loans
  • Lines of Credit
  • Secured Certificate of Deposit Loans
  • Marketable Securities Loans
  • Unsecured Loans

Consumer Real Estate Loans

  • Interim Construction Loans
  • Residential Loans 20-25 year amortization (5 year balloon)
  • Home Equity Loans
  • Home Improvement Loans

Consumer Loans

  • New Auto
  • Used Auto
  • Recreational Vehicles
  • Boats
  • Vacations
  • Secured - Certificate of Deposit
  • Unsecured
  • Marketable Securities

Agriculture Loans

  • Livestock Loans
  • Crop Loans
  • Equipment Loans

Loan Officers

  • Jaime Armendariz - MLO #507321
  • Bill Burttschell - MLO #507317
  • Christopher Nanez - MLO #762220
  • Brad Burttschell - MLO #507318


Our loan specialists are ready to answer any questions you may have.
Call direct at (979) 885-7455 Ext. 255, (281) 342-1446 Ext. 255, or Toll-Free at (800) 222-4252 or contact us by email at:

Citizens State Bank

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