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Citizens State Bank
✓ FDIC-insured · Active FDIC Certificate #8183
Citizens State Bank is an FDIC-insured state-chartered bank that is a member of the Federal Reserve System, headquartered in Royal Oak, Michigan, established in 1910. As of the 06/30/2026 FDIC call report, it reported $581M in total assets and $530M in deposits. FDIC location data lists 3 offices in Michigan. The FDIC classifies it as a community bank. It is owned by the holding company CITIZENS BANCSHARES INC (Royal Oak, MI).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 3 of Citizens State Bank's FDIC-listed offices are in Michigan. Browse banks in Royal Oak for other local options.
Branch locations
| Citizens State Bank Citizens State Bank · Full Service - Brick And Mortar | 32500 Woodward Ave Royal Oak, MI 48073 Map ↗ |
| Citizens State Bank Ontonagon Branch · Full Service - Brick And Mortar | 501 River Street Ontonagon, MI 49953 Map ↗ |
| Citizens State Bank Farmington Hills Branch · Full Service - Brick And Mortar | 31550 Northwestern Hwy Farmington Hills, MI 48334 Map ↗ |
Holding company: CITIZENS BANCSHARES INC
The FDIC lists CITIZENS BANCSHARES INC, based in Royal Oak, MI, as the top holding company for Citizens State Bank. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Michigan
Active FDIC-insured banks headquartered in Michigan with total assets closest to Citizens State Bank's $581M. See all banks in Michigan.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| Tri-County Bank | Brown City | $639M | 12 |
| First Bank, Upper Michigan | Gladstone | $629M | 8 |
| Range Bank | Marquette | $604M | 9 |
| Highpoint Community Bank | Hastings | $592M | 7 |
| Eastern Michigan Bank | Croswell | $554M | 13 |
| Commercial Bank | Ithaca | $553M | 11 |
| Eaton Community Bank | Charlotte | $543M | 7 |
| Central Savings Bank | Sault Sainte Marie | $517M | 9 |
Citizens State Bank: common questions
Is Citizens State Bank FDIC-insured?
Yes. Citizens State Bank is an active FDIC-insured institution, FDIC Certificate #8183. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is Citizens State Bank headquartered?
Citizens State Bank is headquartered at 32500 Woodward Ave, Royal Oak, MI 48073, according to FDIC records.
How many branches does Citizens State Bank have?
FDIC location data lists 3 offices for Citizens State Bank, all in Michigan.
Who owns Citizens State Bank?
The FDIC lists CITIZENS BANCSHARES INC of Royal Oak, MI as the top holding company for Citizens State Bank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.