CS Bank

What CS Bank does

CS Bank is an Arkansas-chartered, FDIC-insured community bank founded in 1912 (originally as Bank of Eureka Springs) and headquartered in Eureka Springs, Arkansas. The bank serves retail consumers, small and medium-sized businesses, and agricultural operations across Northwest Arkansas (Carroll, Madison, and Boone counties) and Southwest Missouri (Barry County, including a Cassville branch opened in August 2025) through seven branches plus a standalone Interactive Teller Machine. Its core offerings span deposit products (personal and business checking, savings, CDs, IRAs, Kasasa Cash Back, and NextGen Saver), lending (personal, mortgage, commercial real estate, business, and agricultural loans), and a digital banking platform delivered via a mobile app, Live Teller Machines with bilingual extended-hour video teller service, Zelle, and Autobooks for small-business invoicing.

The technology stack combines vendor-partner digital infrastructure (Kasasa rewards, Autobooks, Zelle, LPL Financial for investment referrals, CDARS for expanded FDIC coverage, and Apple/Google/Samsung Pay support) with proprietary retail-channel innovation: Live Teller Machines that connect drive-thru customers to live local tellers, and Tap2Local, a recently launched iPhone-based contactless merchant payment acceptance tool. Digital account opening is available through originatewebcenter.com, and the bank distributes how-to video content across YouTube, Facebook, Instagram, and LinkedIn to support adoption.

The revenue model is a conventional community-bank mix: net interest income from lending and deposit balances, fee income from deposit services (overdraft, account fees, ATM), transaction-based payment processing revenue from Tap2Local merchants, and affiliate/referral fees from LPL Financial for investment-advisory referrals. CS Bank segments its go-to-market horizontally across personal banking, business banking, agricultural banking, mortgage lending, and investment services, and pursues a direct-to-consumer motion through its physical branch network, digital channels, and community sponsorship activity. No external funding rounds, parent company, or institutional investors are disclosed.

Name

CS Bank

Legal name

CS Bank

Website

https://cs.bank

Company type

Private

Founded year

1912

Operating status

Operating

Headcount range

101–250 employees

Short description

CS Bank is an Arkansas-chartered community bank founded in 1912 serving Northwest Arkansas and Southwest Missouri through seven branches, offering personal and business deposits, lending, agricultural loans, and digital banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Community banking services
• Commercial lending products
• Agricultural loans
• Mortgage financing
• Business cash management

Headquarters

HQ city

Eureka Springs

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Deposit Products: CS Bank generates revenue through deposit account fees, including monthly service charges, overdraft fees, and ATM fees. They offer personal and business checking, savings, and CD accounts.
2. Lending Products: The bank originates personal loans, mortgages, business loans, commercial real estate loans, and agricultural loans. Revenue comes from interest income on loans and potential origination fees.
3. Investment Services Referral: CS Bank refers customers to LPL Financial for investment advisory and brokerage services. Revenue is generated through referral fees under a formal agreement with LPL.
4. Business Cash Management Services: Fee-based services for business customers including ACH origination, wire transfers, account reconciliation, and fraud protection services.
5. Tap2Local Payment Processing: Payment processing fees charged to business merchants who accept contactless payments through the Tap2Local mobile solution.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

CS Bank is a community bank providing deposit products (personal and business checking, savings, CDs, IRAs), lending products (personal loans, mortgages, business loans, commercial real estate, agricultural loans), and digital banking services (mobile app, Live Teller Machines with video teller, Tap2Local contactless merchant payments, Zelle P2P, Autobooks invoicing). The bank also offers investment advisory services through a referral partnership with LPL Financial under the CS Investment Services brand. Operations are conducted through seven physical branches and an Interactive Teller Machine network serving Northwest Arkansas and Southwest Missouri.

Product overview

CS Bank offers a comprehensive community banking platform serving Northwest Arkansas and Southwest Missouri through a network of physical locations and digital channels. The core product portfolio spans three main categories: (1) Deposit Products including personal checking/savings (with Simple Checking, Kasasa Cash Back, NextGen Saver, and traditional savings), business checking/savings (Commercial Money Market, Business Century Money Market), and CDs/IRAs for both segments; (2) Digital Banking including the CS Bank Mobile App, Live Teller Machines at all branch drive-thrus, Zelle peer-to-peer payments, and Tap2Local contactless merchant acceptance; and (3) Lending Products including personal loans, mortgages, business lending, commercial real estate, and agricultural loans. Supplementary services include Cash Management Services for businesses (ACH, wire transfers, account reconciliation), Autobooks invoicing for small businesses, and CS Investment Services (a sub-brand providing investment referrals through LPL Financial).

Differentiator

Problem solved

Functional benefit

Brands

• NextGen Saver: High-interest savings account designed for young adults ages 14-28 with up to 5.25% APY.
• Kasasa Cash Back
• Tap2Local
• Zelle
• Autobooks

Products and services

• Personal Checking (Simple Checking & Kasasa Cash Back) Personal checking account products including Simple Checking (no minimum balance, no monthly fees, free digital banking, contactless debit card, free eStatements) and Kasasa Cash Back (2% cash back on debit card purchases up to $6/month, nationwide ATM refunds up to $20/month) for individual consumers.
• Personal Savings (NextGen Saver & Kasasa Saver) Personal savings products including NextGen Saver (5.25% APY on balances up to $2,500 for ages 14-28 with qualification requirements) and Kasasa Saver (paired with Kasasa Cash Back checking).
• CDs and IRAs Certificate of Deposit and Individual Retirement Account products providing secure savings with guaranteed returns and competitive rates across a range of term options for personal customers.
• Business Checking Business checking account offering unlimited transactions, free digital banking, and integration with cash management tools for small to large commercial operations.
• Business Savings (Commercial Money Market, Business Century Money Market, Commercial Savings) Business savings solutions including Commercial Money Market (tiered rates requiring $2,500 average balance plus direct deposit), Business Century Money Market, and Commercial Savings Account ($100 opening deposit, no service fees, unlimited in-person withdrawals).
• Business CDs Commercial Certificates of Deposit offering flexible terms with guaranteed interest rates, FDIC insurance coverage up to $250,000 per depositor, and CDARS registry access for multi-million dollar FDIC coverage on balances above standard limits.
• Personal Lending Personal loan products for consumer financing needs including debt consolidation, major purchases, home improvements, and other personal expenses for individual borrowers.
• Mortgage Loans Real estate lending products including home purchase mortgages, refinancing options, and construction loans, offered through the bank's mortgage platform with dedicated mortgage lenders and financial calculators (NMLS #403468).
• Business Lending Commercial loan products including business expansion financing, equipment purchases, working capital lines of credit, and SBA financing options for qualifying businesses in Northwest Arkansas and Southwest Missouri.
• Commercial Real Estate Lending Commercial real estate financing for property acquisition, development, and refinancing, serving businesses in Northwest Arkansas and Southwest Missouri markets.
• Agricultural Loans Specialized lending for agricultural operations including farm land purchases, equipment financing, operating capital, livestock loans, and crop financing, offered by the bank's ag lending team.
• Credit Cards Consumer and business credit card products providing purchasing power with various reward structures and terms, distributed through CS Bank (credit card servicing partner TIB Bank, N.A.).
• CS Bank Mobile App Mobile banking application available on iPhone (Apple App Store) and Android (Google Play), enabling customers to manage accounts, deposit checks, transfer funds, pay bills, and access card controls from their mobile device.
• Live Teller Machines (ITMs) Interactive Teller Machines at drive-thru lanes at all CS Bank branch locations offering video chat with a live local teller for transactions including cash deposits, withdrawals, loan payments, and account inquiries, with extended hours and bilingual support.
• Digital Banking Platform (Online Banking) Online banking platform providing 24/7 account access including bill pay, eStatements, mobile deposit, digital wallet setup (Apple Pay, Google Pay, Samsung Pay), fund transfers, and secure chat support, accessible via web and mobile app.
• Cash Management Services Suite of business banking tools including ACH origination (payroll deposits), wire transfers, account reconciliation, transaction history download to spreadsheets or accounting software, 18 months of statements and tax forms, multiple user permissions, check and deposit images, and real-time balance viewing for business customers.
• Tap2Local Mobile Payment Acceptance Mobile contactless payment acceptance solution for business owners that transforms an iPhone into a secure payments terminal without additional hardware, enabling acceptance of Apple Pay, contactless debit/credit cards, and other NFC payments for small businesses.
• Zelle P2P Payments P2P payment service integrated into the CS Bank Mobile app enabling users to send and receive money instantly between bank accounts using a mobile number or email address.
• Autobooks Invoicing Small business invoicing and payment platform integrated into business checking accounts, enabling businesses to create, send, and manage invoices and accept online payments from customers.
• CS Investment Services Wealth management and investment services referral program through partnership with LPL Financial LLC, providing securities, advisory services, and insurance products with local CS Bank advisors.

Quantifiable outcome

• 5.25% APY on NextGen Saver balances up to $2,500
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• LPL Financial LLCcoreStrategic or Co-development PartnerCS Bank provides referrals to financial professionals of LPL Financial for investment advisory and brokerage services. LPL pays CS Bank for these referrals under a formal agreement. CS Bank and CS Investment Services are not registered as broker-dealers or investment advisors. Registered representatives of LPL offer products through CS Investment Services.
• CDARS (Certificate of Deposit Account Registry Services)coreTechnology or IntegrationCDARS enables CS Bank to provide multi-million dollar FDIC insurance coverage for customer deposits above the standard $250,000 limit through the Certificate of Deposit Account Registry Services program.
• ZellecoreTechnology or IntegrationCS Bank offers Zelle person-to-person payment services integrated into its digital banking platform, allowing customers to send and receive money quickly.
• AutobookscoreTechnology or IntegrationAutobooks is integrated into CS Bank's business banking suite, providing invoicing and payment collection capabilities for small business customers.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Arvest Bank: Arkansas-headquartered community/regional bank with branches across Arkansas, Oklahoma, Missouri, and Kansas. Most directly comparable peer — similar community banking model, overlapping NW Arkansas and SW Missouri footprint, comparable mix of consumer/SMB/ag lending, and parallel digital strategy.
• Bank OZK: Arkansas-based bank (formerly Bank of the Ozarks) with strong presence across the Ozark region including NW Arkansas and SW Missouri. Comparable community banking heritage, real estate and CRE lending focus, and geographic overlap in markets served by CS Bank.
• Simmons Bank: Pine Bluff, Arkansas-headquartered community bank with significant Arkansas and Missouri branch presence. Comparable mid-sized community bank operating model with consumer, commercial, ag, and mortgage lending; direct overlap in regional Arkansas markets.
• Generations Bank: Community bank headquartered in Harrison, Arkansas — operating directly in CS Bank's Boone County market. Highly comparable in scale, business model, and rural Arkansas community banking focus; shares agricultural and SMB lending emphasis.
• Cornerstone Bank: Arkansas-based community bank serving NWA and surrounding markets. Similar community banking model with consumer, business, and mortgage lending; overlaps CS Bank's regional footprint and small-bank operating approach.
• Anstaff Bank: Small community bank headquartered in Green Forest, Arkansas — directly within CS Bank's Carroll County market. Closest geographic competitor at similar scale, operating adjacent to CS Bank's standalone Green Forest Live Teller Machine.

Broad incumbents

• Equity Bank: Community and regional bank with branches across Kansas, Missouri, Arkansas, and Oklahoma. Broader geographic scale but comparable community banking approach, SMB focus, and digital banking investment; serves adjacent regional markets including SW Missouri.
• Regions Bank: Large regional bank with significant branch presence across the South and Midwest including Arkansas and Missouri. Competes with CS Bank for SMB and consumer deposits in NW Arkansas; offers full suite of digital and physical banking services at greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@csbnk
• Facebookfacebook.com/csbank2265
• LinkedInlinkedin.com/company/47177307
• Instagraminstagram.com/cs.bnk/?hl=en

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CS Bank