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 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 banking


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


Chief Morale Officer

Beth Zuchelkowshi

EVP, Chief Financial Officer

Cathy Ballard

EVP, CISO, IT and Bank Operations Manager

Lara Ward

EVP, Chief Administrative Officer/Chief Security Officer

Alex St. Clair

SVP, Chief Credit Officer

Rana Adou

SVP, Business Development Officer

Maria Fischione

SVP, Treasury Management

Hyassant Najor

VP, Business Development Officer


Tom Klar

Mortgage Lending Officer

Elizabeth Buchanan

Mortgage Banking Executive Assistant


501 River St
Ontonagon, MI 49953

Ann Lantz

EVP, Market President

Eric Butterbach

VP, Loan Officer

Wendy Pence

AVP, Teller Supervisor