Our Team

Our team at Citizens State Bank is dedicated
to helping you reach your financial goals.
An organization is only as good as the value everyone within it creates. Our team of values-based professionals are committed to creating a positive impact in the local community through banking.

Customer Focus

We put our customers needs first and foster a company culture dedicated to enhancing customer satisfaction and building strong customer relationships.

Integrity

Honesty is built into our everyday routine. Ethical conduct and social responsibility shape our conduct and define our responsibilities as a bank. 

Trust

We value long-term relationships and seek to build your confidence in us with good judgment and expertise upon which strong partnerships are built.
Royal Oak Headquarters

32500 Woodward Ave.
Royal Oak, MI 48073

Dan Fischer

President / Chief Executive Officer
Dfischer@micsb.com

Poppy

Chief Morale Officer

Keith Lidtke

EVP, Chief Financial Officer

Klidtke@micsb.com

J.P. Norkus

EVP, Chief Credit Officer

jpnorkus@micsb.com

Rana Adou

SVP, Business Development Officer

Radou@micsb.com

Cathy Ballard

EVP, CISO, IT and Bank Operations Manager

Cballard@micsb.com

Lara Ward

SVP, Chief Administrative Officer/Chief Security Officer

Lward@micsb.com

Darren Carranza-Escalera

SVP, Chief Risk Officer

Dcarranza@micsb.com

Hyassant Najor

VP, Business Development Officer

Hnajor@micsb.com

Maria Fischione

VP, Treasury Management

Mfischione@micsb.com

Kristen Norkus

VP, Branch Manager

Knorkus@micsb.com

Mortgage

Tom Klar

Mortgage Lending Officer

Tklar@micsb.com

Elizabeth Buchanan

Mortgage Banking Executive Assistant

Ebuchanan@micsb.com

Ontonagon

501 River St
Ontonagon, MI 49953

Ann Lantz

EVP, Market President

Alantz@micsb.com

Eric Butterbach

VP, Loan Officer

Ebutterbach@micsb.com

Wendy Pence

AVP, Teller Supervisor

Wpence@micsb.com