A commitment to you

Thank you for visiting citizensfirststatebank.com. I am Pam Turner, a life long Walnut resident that has proudly been serving CFSB for 35+ years.

Our banking history began in 1882. Farmers, business owners and individuals have supported our local community bank for over 135 years. Citizens First State Bank's Board of Directors and Staff are committed to helping you achieve your goals whether it be operating your local family farm, owning your home, starting/operating your own local business or investing for retirement.

Times have changed dramatically over my career. You have asked for Mobile Banking and we are working diligently to introduce it to you, our valued customers, in the Fall of 2018.

Banking has also evolved, but the core needs for a trustworthy, solid financial partner you can continue to count on has not. CFSB has officially obtained a 5 Star Rating recommended by BauerFinancial, the Nation's Premier Bank Rating Firm. Your local, dedicated senior management team, supported by our local shareholders, have been committed to striving for excellence in obtaining a strong, solid, locally owned, asset quality driven institution. A five-star rating indicates the bank excels in areas of capital adequacy, profitability, asset quality and much more.If we are currently working with you, my thanks for your continued business. If you are new to Citizens First State Bank please check out what CFSB can do for you. Please let me know if there are other ways we can help you achieve those successes in life.

My e-mail address is This email address is being protected from spambots. You need JavaScript enabled to view it.. Drop me a note to let me know how CFSB can work for you.
-Pam TurnerPresident/CEOCitizens First State Bank