About Us

Citizens State Bank - the community bank serving Montrose and Waverly has been locally owned since 1951, when brothers Dan and Mark Graham purchased the bank.

The Graham family banking tradition continues today, with Dan's daughter Catherine (known by most area folks as "Birdie") and husband Kim Jackson, at the helm.

This continuity of local ownership means a great deal for the communities of Montrose and Waverly.
It means:
* that lending decisions can be made quickly - often times "on the spot;"

* that your dollars stay local to help support the people, businesses, schools, and organizations within your community;

* that you will be treated in a friendly, fair, and ethical manner by owners and staff that get to know you personally;

* that any question or concern regarding your banking relationship will be handled quickly and courteously.

It means a solid, safe bank. A place you can trust for your financial needs.

Serving the Montrose/Waverly Community, and the people within the local area, is what Citizens State Bank is all about.

"Community banking, everyday...with personal service second to none".