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Citizens State Bank and Trust Company

|Commercial Bank

Our Citizens State Bank and Trust Company Review

3.5/ 5.0How we rate

Citizens State Bank and Trust Company is a community bank headquartered in Reading, Kansas, with roughly 125 years of operating history. It serves businesses in Kansas and offers a standard range of commercial lending products including lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. As a community bank, it also provides trust and investment services alongside everyday deposit accounts. Specific details on financing amounts, credit score requirements, and eligibility criteria are not publicly available, so prospective borrowers should contact the bank directly to discuss their situation.

Who Is Citizens State Bank and Trust Company Best For?

Based on eligibility requirements and available products.

  • Businesses where credit score is not a primary factor
  • Businesses that need equipment or machinery financing
  • Businesses with commercial real estate financing needs
  • Businesses that need flexible, revolving access to capital

Financing Options

Equipment Finance
Construction Finance
Commercial Real Estate Financing
Line of Credit
Term Loan

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Free · Won't affect your credit score

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Quick Overview

Loan AmountContact Us
GeographyNot disclosed
DoughRating
Products5

Citizens State Bank and Trust Company Pros & Cons

Pros

  • No minimum credit score requirement
  • Wide range of financing products

Frequently Asked Questions

Citizens State Bank and Trust Company does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.

Citizens State Bank and Trust Company offers the following financing products: Equipment Finance, Construction Finance, Commercial Real Estate Financing, Line of Credit, Term Loan.

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Citizens State Bank and Trust Company Review (2026) | Equipment Finance Lender | BreadRoute