You have the dream, the goals, the ambitions and the desires. We have the financing and the expertise to make them reality. 

Whether you are buying a home, starting a business, managing your farm, or planning that European vacation you’ve always promised yourself, we will be there from the start to finish. Call us to see for yourself. 

Click here to select a Lending Professional in your area.

Consumer Loans

Whether you’re buying a new vehicle, financing a family vacation, looking at an RV or managing other expenses, CSB can help.

  • Vehicle loans
  • Personal loans
  • Debt consolidation
Residential Real Estate Loans

Whether you're buying your first house, building one, or refinancing, nobody understands the importance of home better than a family bank. At CSB, we understand that all the home loan options available can be a little bewildering. But we are here to help you every step of the way through the home financing process. Plus, can rely on CSB to make decisions quickly and locally, so you’ll be less stressed, more informed and ready to move before you know it. 

  • Fixed-rate mortgages
  • Adjustable rate mortgages
  • Bridge loans
  • Home Construction Financing
  • Home improvement loans
  • Home equity loans
  • Home equity lines of credit (HELOC)
Commercial Loans

You’re working hard to build something. You deserve a lending partner that works as hard as you do. With expert assistance, great rates, and loan terms from Central State Bank will help build your business efficiently and successfully.

  • Construction loans
  • Working capital loans
  • Equipment financing
  • Small Business Administration (SBA) Loans
  • Commercial lines of credit
Commercial Real Estate Loans

Purchase or refinance a business property or expand or remodel an existing facility. We'll work with you to structure the financing you need and guide you through the process—and after closing, a dedicated loan officer will always be at your service.

  • Owner-occupied commercial Real Estate loans
  • Investment property financing
Agricultural Loans

Farmers in America make up less than 1% of the population but feed the other 99%. With that kind of responsibility, you need a banking partner who understands your goals and specialized commercial banking needs. CSB is a family bank helping protect family farms.

Click here to select a Lending Professional in your area.


Tools you need to better understand loans, personal budgeting, retirement and college savings. Click Here

Some things are just... classic. Like the new CSB Classic 55 account. If you are 55+ you can take advantage of account perks that come with being classic!  Check it out today!