For more than 125 years, Citizens State Bank has been helping individuals, families, farmers, and businesses achieve their financial goals while remaining true to its community banking roots. Founded in 1901, the bank continues to operate with a simple philosophy: provide exceptional service, make decisions locally, and build long-term relationships with customers.
With locations in Arlington, Castlewood, and Sinai, Citizens State Bank offers a full range of financial products and services while maintaining the personalized attention only a hometown bank can provide. Customers have direct access to local bankers who understand the unique needs of eastern South Dakota families, businesses, and agricultural operations.
Whether you’re opening your first checking account, financing a home, growing a business, purchasing farmland, or planning for retirement, Citizens State Bank is committed to providing practical solutions, trusted advice, and responsive service every step of the way. Their blend of modern banking technology and local expertise allows customers to enjoy convenient digital banking without sacrificing personal relationships.
As a true community bank, Citizens State Bank is deeply invested in the success of the towns it serves, supporting local organizations, businesses, schools, and agricultural producers that help keep rural South Dakota strong.
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Key Services
Personal Banking
• Checking and savings accounts designed for every stage of life
• Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs)
• Debit cards and everyday banking services
• Consumer loans and personal financing options
• Home mortgage lending with local decision-making and personalized guidance
Business Banking
• Business checking and savings accounts
• Commercial lending and operating lines of credit
• Cash management and treasury services
• Equipment financing and business expansion loans
• Local banking relationships that support small business growth
Agricultural Banking
• Farm operating loans
• Agricultural real estate financing
• Livestock and equipment financing
• Crop production and seasonal financing solutions
• Banking services specifically designed for today’s farming operations
• More than a century of supporting South Dakota farm families
Digital Banking Services
• Online banking access 24/7
• Mobile banking app with account management tools
• Mobile deposit capabilities
• Online bill pay
• Account alerts, transfers, and transaction monitoring
• Secure access to accounts anytime, anywhere
Mortgage & Lending Solutions
• Home purchase financing
• Refinance options
• Residential construction lending
• Local loan decisions and responsive service
• Guidance throughout the entire lending process
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Why Choose Citizens State Bank?
✅ Serving local communities since 1901
✅ Local ownership and local decision-making
✅ Personalized, hometown customer service
✅ Strong agricultural banking expertise
✅ Modern online and mobile banking tools
✅ Experienced lenders who understand rural South Dakota
✅ Committed to the success of local families, farms, and businesses
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Contact Information
Arlington Office
128 S. Main Street
P.O. Box 378
Arlington, SD 57212
📞 (605) 983-5594
Website: https://www.csbarlington.com
Additional Locations:
• Castlewood, SD
• Sinai, SD
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For over a century, Citizens State Bank has been more than just a bank—it has been a trusted financial partner dedicated to helping local families, businesses, and farms succeed. From everyday banking and home loans to agricultural financing and digital banking convenience, Citizens State Bank remains committed to providing the personal service and community focus that define true hometown banking.