Special Situation Loans

We lend our own money so we can make loans others cannot. We have a variety of loans to strengthen buyer offers and provide solutions in rising interest rate environments.
Life Can Be Unpredictable
Whether that means you’re acquiring a company, experiencing a merger, or entering into an under-served industry;
Citizens State Bank is here for you.


  • Full or limited guarantee from the operating entity necessary

Business Acquisition

  • Small and large loan amounts available
  • Revolving loan terms
  • Quick access time to funds

MergeR Integration

  • Wide variety of loans
  • Number of plans with low rates and high loan to value (LTV) ratios

Permanent Working Capital

  • We provide working capital for business funding
  • Flexible terms
  • No credit minimum

Unique Industries

  • No credit minimum
  • No minimum time in business requirement

Secured Mezzanine

  • Several options for repayment
  • “Payment in kind” available

Turnaround Bridge Funding

  • Loans are available to individuals, trusts, corporations, and limited partnership
  • Single-family, condos, townhomes, multi-family 2-4 units, 1st Trust Deeds up to 80% Loan to Value
Our Lending Team
Royal Oak
Tom Klar

Mortage Lending Officer
NMLS# 1032198

Hyassant Najor

VP, Business Development Officer
NMLS# 1625007

Ann Lantz

EVP, Market President
NMLS# 1577167

Try Our Loan Comparison Tools
citizens state bank lobby

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
Outstanding Service
We thrive by building personal relationships with our clients, we will always put you first.
fdic insured
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!
full service banking
Full Service Bank
Our collection of products and services rivals that of the big banks.
year of banking experience
110+ Years of Service
Our years of experience means that you can count on us.
Saving money
Get the most out of your profits
Learn about our Business Money Market Account