President’s Message

In 1910 The Citizens State Bank of Ontonagon began its story. At its inception, the bank’s goal was to improve customers’ financial lives and enrich the local community it served.  More than 110 years later, our commitment remains the same, but our vision of delivering on that promise has evolved.

The next chapter in the bank’s journey started in 2020 when a southeast Michigan entrepreneur had the vision to provide top-notch financial solutions and access to consumers and businesses throughout Michigan. He did that by hiring the best people to run the bank, investing in robust digital banking solutions, and deciding to add a second branch in Royal Oak.

But the bank is just getting started! As we continue to grow, we will stay focused on enhancing our banking products and services to provide our customers with a suite of financial solutions customized to their needs. Whether you’re a first-time homebuyer or a business looking for capital, our ultimate goal is to provide customized banking solutions.

Why bank with us? Quite simply, it’s because we’re not your typical bank. We offer the technology and product offering of a large bank, the personal relationships of a small-town bank, and the extraordinary customer service of a private bank. Whether you come into a branch, only use our digital services, or take advantage of our business concierge service, we want to be the premier provider of community banking by making it easy, keeping it local, and focusing on our customers’ needs.