Citizens FSB, $175 million in assets, was organized March 4th, 1884 and is the oldest savings and loan Federal Savings Bank in the State of Kansas. Our Mission is to remain a strong, independent community mutual providing competitive pricing and outstanding customer service for growth within the communities we serve. and is the oldest savings banks the State of Kansas. Citizens FSB is a Commercial Real Estate lender and a Preferred Home Loan provider and Citizens is a preferred home loan provider with emphasis on competitive interest rates and low closing costs. We specialize in VA, Conventional, FHA, and USDA loan programs featuring in-house processing, underwriting, and closings serving all 50 states. Our staff is available to meet with you face to face as opposed to calling a toll free number during the process. We can service the loan locally which means you will deal with us directly for payments and escrow matters. We offer loans to purchase a new home or to refinance your existing one. A variety of loan types that include fixed rates, and special programs designed to meet your needs are available. We also offer construction loans if you are building the home of your dreams or the purchase of a lot for future plans. Member FDIC and Equal Housing Lender NMLS 421886