couple dreaming of a new home

From Ground Up: A Step-By-Step Home Construction Financing Guide

Building a home is a complex process. From finding the right location to creating the plans, it’s not an undertaking to go into lightly. To add to the intricacy of the process, financing for building a home—versus buying an existing home—is also more complicated. Many individuals building their homes will go through three separate lending products (or more!) in order …

surprised Santa Clause

New Year, No Debt: Your Guide to Recovering from Christmas Spending

Every year, you work hard to give your loved ones a wonderful holiday experience. Whether it’s giving them their dream presents, throwing festive gatherings, or traveling long distances to be together, the costs associated with the holidays can quickly add up, often landing in your lap in the form of bloated credit card bills and depleted savings come January. Starting …

Together We Thrive: Citizens State Bank’s Dedication to Local Causes

Nestled in the heart of our beloved hometowns—Naturita, Ouray, Ridgway, Silverton, and Telluride—Citizens State Bank (CSB) has remained a steadfast community pillar since 1913, 100% locally owned. It’s in these towns, where small-town pride thrives, and everyone knows their neighbors, that CSB shines as a remarkable example of community support. With an unyielding commitment to our local community, CSB has …

Telluride Mainstreet

The Importance of Banking Local with Citizens State Bank

For over 110 years, Citizens State Bank has been part of the communities of Naturita, Ouray, Ridgway, Silverton and Telluride. We’re not just your local bank; we’re your neighbors, your friends, and your biggest cheerleaders. Banking with us goes beyond transactions and balances. It’s about sharing stories, building trust, and growing together. Banking local keeps the dream alive for small …

Celebrating Our 110th Anniversary

When we opened our doors on August 29, 1913, in the picturesque town of Ouray, we had one primary mission: to serve our community. Now, as we stand tall, celebrating our 110th anniversary, we’re filled with gratitude, pride, and a deeper understanding of the commitment we made over a century ago. The word ‘community’ resonates deeply with us. Back in …