Citizens Community Bank

What Citizens Community Bank does

Citizens Community Bank is a privately held, FDIC-insured state-chartered community bank founded in 1992, operating three full-service branches and one ATM-only location across Mascoutah, Freeburg North, and New Athens in St. Clair County, Illinois. The bank's technology platform is built on a traditional community-banking core supplemented by NetTeller online banking, a CCB Mobile Banking application for iOS and Android, and Citizens Bill Pay—all positioned as self-service convenience layers rather than differentiators. Citizens Community Bank generates revenue primarily through net interest income on a diversified loan portfolio spanning mortgage loans (FHA, VA, Fannie Mae, fixed-rate, balloon, construction, USDA rural housing), consumer loans (vehicles, boats, RVs, home improvement, personal), and business loans (commercial real estate, construction, working capital lines, equipment/inventory/vehicle, agricultural, and SBA 7a / SBA 504 financing), supplemented by deposit account fees and SBA program fees.

The bank's go-to-market is community-led: physical branches in southern Illinois towns drive relationship-based acquisition and deposit gathering, while word-of-mouth and community presence anchor customer retention. Pricing follows a standard community bank model—variable-rate interest on loans, tiered monthly maintenance fees on business accounts (Basic Business at $8/month, Business Checking at $15/month, Income Plus at $15/month), and Certificates of Deposit with terms from 3 to 60 months and APYs ranging from 0.50% to 3.70% as of May 2026. Citizens Community Bank is a subsidiary of Citizens Community Bancorp, Inc., the bank holding company; the parent's Q3 2025 earnings release reported $3.7 million in net income ($0.37 per share) and announced the redemption of $15 million in subordinated debt in October 2025 alongside improved capital ratios and higher tangible book value.

Name

Citizens Community Bank

Legal name

Citizens Community Bank

Website

https://citizenscommunitybank.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Citizens Community Bank is an FDIC-insured Illinois community bank founded in 1992, operating three branches in Mascoutah, Freeburg, and New Athens, and serving local consumers, small businesses, and agricultural borrowers with deposit accounts, mortgage, consumer, commercial, and SBA lending products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141), National Commercial Banks (6021), Miscellaneous Business Credit Institution (6159)

akta.pro industry

PRIMARYFSABAEAA

Community Credit Unions (Retail/Consumer Focus)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

SECONDARYFSABAEAF

Cooperative Banks (Member-Owned Commercial/Retail)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

Keywords

• Community banking
• Consumer lending
• Mortgage loans
• Business banking
• Deposit accounts

Headquarters

HQ city

Mascoutah

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income - Consumer Loans: Interest income generated from consumer loans including mortgages, vehicle loans, home equity lines, and personal loans. Includes SBA 7a and SBA 504 program financing.
2. Interest Income - Business Loans: Interest income from commercial and industrial real estate loans, construction financing, working capital lines of credit, equipment/inventory/vehicle loans, and agricultural loans.
3. Interest Income - Mortgage Loans: Interest income from mortgage products including FHA loans, VA loans, Fannie Mae loans, fixed rate mortgages, balloon mortgages, construction mortgages, and USDA rural housing mortgages.
4. Deposit Account Fees and Charges: Fee income from various deposit account services including monthly maintenance charges, overdraft fees, wire transfer fees, stop payment orders, ATM fees, and other service charges for both personal and business accounts.
5. SBA Loan Program Fees: Fees associated with Small Business Administration loan programs including SBA 7a and SBA 504 loans for qualified startup and existing businesses.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Citizens Community Bank is a traditional community bank that provides personal and business deposit accounts (checking, savings, certificates of deposit), consumer and mortgage loan products, and commercial/SBA business loans. It delivers these services through three physical branches in southern Illinois complemented by NetTeller online banking, CCB Mobile, and Citizens Bill Pay digital channels. The bank emphasizes local decision-making and personalized relationship-based banking for residents and small businesses in Mascoutah, Freeburg, and New Athens.

Product overview

Citizens Community Bank operates as a traditional community bank offering a comprehensive suite of deposit and lending products through physical branch locations in Mascoutah, Freeburg, and New Athens, Illinois. The bank's digital banking platform consists of NetTeller (online banking), CCB Mobile (mobile banking app), and Citizens Bill Pay, which work together as the primary digital service delivery channels. The product portfolio spans personal and business banking with checking and savings accounts, certificates of deposit, and specialized accounts like the Preferred 55 Club for seniors and Christmas Club for seasonal savings. Lending offerings include mortgage loans, consumer loans, and business loans, with SBA financing options. The Citizens Debit Card provides ATM and point-of-sale functionality through the MasterCard network. All products are offered through the bank's three physical locations and associated digital channels.

Differentiator

Problem solved

Functional benefit

Brands

• NetTeller: Online banking service that allows customers to check balances, transfer funds, access account history, place stop payments, make loan payments, and receive electronic statements.
• CCB Mobile
• Citizens Bill Pay

Products and services

• NetTeller Online Banking

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Small Business Administration (SBA)coreStrategic or Co-development PartnerCitizens Community Bank offers SBA loan programs including SBA 7a for qualified startup businesses and purchasing or refinancing existing businesses, and SBA 504 for long-term fixed rate financing with low down payment requirements. This partnership enables the bank to provide government-backed lending options to small business customers.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Banterra Bank: Headquartered in southern Illinois, Banterra is a community bank serving consumers and small businesses across a multi-county footprint with comparable lending, deposit, and SBA offerings.
• Town & Country Bank: An Illinois community bank with a multi-branch retail and small business banking model, providing similar deposit, consumer lending, and business banking products.
• Heartland Bank and Trust Company: A central Illinois community bank with a comparable consumer/business banking and agricultural lending product set, though operating at somewhat larger scale.
• Scott State Bank: A community bank based in Bethalto, Illinois with a similar small-branch model, retail/small business lending focus, and rural southern Illinois market overlap.
• Dieterich Bank: An Illinois state-chartered community bank with comparable size, branch footprint, and consumer/business banking product mix serving rural Illinois communities.
• CNB Bank Shares: Illinois-based bank holding company whose subsidiary Community National Bank provides retail, business, and mortgage banking analogous to CCB, with comparable scale and community orientation.
• Legence Bank: An Illinois community bank with branches across multiple southern Illinois counties, offering consumer, mortgage, agricultural, and commercial lending analogous to CCB.

Broad incumbents

• Midland States Bancorp: Regional Illinois bank holding company with community banking, commercial lending, and wealth management; larger and more diversified than CCB but competes in overlapping Illinois consumer and small business segments.
• First Mid-Illinois Bancshares: A larger Illinois bank holding company operating community banking, wealth management, and insurance; competes with CCB for the same retail and small business customers in Illinois markets but with materially greater scale and product breadth.
• Busey Bank: Champaign, Illinois-based community bank holding company with a broader branch network across Illinois offering consumer, mortgage, and commercial banking comparable to CCB's product mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/citizenscommunity-bank-3

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Citizens Community Bank