Health and Safety

During this time of heightened concern surrounding COVID-19 the health and safety of our staff, customers, and the communities we serve is Citizens State Bank’s utmost priority. All of our branches are open but they are also implementing measures, such as doing drive up only, and window service at our lobbies, to emphasize social distancing to keep everyone safe. Our Ridgway location will temporarily not be open on Saturdays during this time.
We would also encourage the use of our many digital banking services, available 24/7 online and through our mobile app. If you need an in-person appointment to set up a new account, get a loan or access your safety deposit box, please contact us at
(970) 325-4478

Be a Member of Our Community

Citizens State Bank has been in operation for over 100 years, with a history of community involvement. We pride ourselves on friendly professional service and preservation of quality. Today, we are working hard to make your banking experience more efficient, safe and customer friendly.


Digital Efficiency

Our online banking platform brings your local branch to your computer. With up to date account balances, you have the ability to make transfers between accounts, view statements up to a year prior, and much more. Complete the following form and return it to your local branch. 


Consumer Convenience

All branches are now accepting deposits with same day credit or debit until 5:00pm every day of the week. This makes it easier for our busy customers to get their banking done when it is convenient for them. The Ridgway branch is now offering Saturday hours from 8:30am until 12:00pm. Don’t forget about our ATM locations, mobile application and online banking platform.


Community Involvement

Citizens State Bank’s mission will continue to be the same that it has always been: partnering with people and businesses to make the communities we serve successful today and sustainable tomorrow. To impact our communities in greater ways, we are proud funding partners with the Western Colorado Community Foundation. Our focus on enabling growth through community involvement allows us to build lasting relationships with our customers.