Commercial Real Estate

We offer personalized guidance and expertise to help you interpret your loan offers for Investor Real Estate.

We Specialize in Creating Custom Solutions

Financing is constantly changing so contact one of our advisors for a quick analysis to see if you are in the right financial structure for where you are today. Citizens State Bank offers commercial real estate solutions that cater to your needs.

Commercial & Industrial

Construction & Mini-Perm

Investment Property Portfolio Pool

Retail, Distribution & Warehouse

Our Lending Team

Royal Oak

Tom Klar

Mortage Lending Officer
tklar@micsb.com
NMLS# 1032198

Hyassant Najor

VP, Business Development Officer
hnajor@micsb.com
NMLS# 1625007

Ontonagon

Ann Lantz

EVP, Market President
alantz@micsb.com
NMLS# 1577167

Try Our Loan Comparison Tools

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Request For Call Back

Are you interested in opening a checking account with us? Or maybe you are ready to get the home from your dreams? We are always happy to hear from you. Fill in the form and we will get back to you as soon as possible.

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The CSB Difference

Outstanding Service

We thrive by building personal relationships with our clients, we will always put you first.

FDIC Insured

Deposits are FDIC-insured up to the maximum allowed by law, $250,000 per depositor, per bank, per category. Additional bank services are available to maximize your FDIC Insurance coverage. Ask us how!