About Citizens State Bank
About Our Bank

Roseau, MN’s Hometown Bank

Trust the bank where the staff knows your name. Being a small town bank, we offer hometown service and friendly faces. With an abundance of dedicated and experienced staff members, you can expect same-day service and availability. Appointments are preferred, but walk-ins are welcome! Citizens State Bank is proud to be the bank where anything is possible. Meet with us today to discuss your mortgage or loan requirements or to set up a new personal or business banking account.

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History

1905
1916
1925-1933
1953
1967
1978
1991
1992
2002
2005
2020-2022
2022

Citizens State Bank of Roseau was incorporated on May 3, 1905, under Charter Number 560, which still hangs in the lobby of the bank today. The bank was located in what today is the State Farm Insurance Agency on Main Ave. The first three Board of Directors were Bendix, Olaf, and Soren Holdahl.

Citizens State Bank moved into a new brick building on the corner of Main Avenue and Center Street.
Citizens State Bank purchased the liabilities and assets of the Salol State Bank in 1925, the Farmers and Merchants State Bank of Roseau, the Farmers State Bank of Wannaska in 1926, and the First State Bank of Badger in 1933.
Citizens State Bank purchased the liabilities and assets of the First National Bank of Roseau in 1953.
Now, under the leadership of Robert F. Foley, another new building was constructed on the site the bank now occupies at 118 Main Ave South.
With continued growth, an addition was put onto the bank nearly doubling its footprint on the ground floor.
Citizens State Bank purchased the liabilities and assets of the Roseau Branch of the First Federal Savings and Loan Association of Thief River Falls.
A second story was added to the north half of the building to house additional staff needed to serve the expanding customer base of Citizens State Bank.
Citizens State Bank was hit by the June 11th flood that decimated the town of Roseau. The bank relocated its operations to its Badger Branch until it could open up temporary facilities in Roseau. The bank was completely remodeled over the next year.
Citizens State Bank celebrated its 100th Birthday by holding a Community Appreciation Meal at the Roseau Memorial Arena.
Citizens State Bank was grateful to assist its customers and other area business owners in securing Paycheck Protection (PPP) Loans to help them navigate the COVID-19 pandemic, keeping stable income for their employees, and covering business expenses and revenue shortfalls during such an unprecedented time. In total, Citizens State Bank provided 469 loans totaling $16.1 million through this program.

CSB also assisted local homeowners in securing home purchases or re-financing during the historic low-interest rate environment throughout the pandemic. CSB is proud to have helped serve the immediate credit needs for 484 single-family real estate loans totaling $81.5 million during this time, and it will continue to service these customers for years to come.

A remodel was done on the bank and new technology was installed to bring Citizens State Bank to real-time transaction processing, allowing customers to see transaction activity on their accounts as soon as it occurs.

Citizens State Bank of Roseau was a Circle of Vision Award Recipient from the Northwest Minnesota Foundation. CSB was recognized for the bank’s lifetime contributions to the foundation, including support of the Roseau Area Community Fund, Flood Relief Fund, LifeCare Philanthropic Funds, Roseau Community School, and CSB’s endowed scholarship for Roseau County graduates that provides (11) $1,000.00 scholarships per year.

Community Involvement

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Roseau Schools

  • Scoreboards For Gyms, Football & Baseball Fields, & Hockey Arenas
  • Financial Literacy Board in The High School
  • RAMS – Debit Card Program
  • Teacher Reimbursement For Classroom Supplies Each Year
  • High School Graduation Gift To All Seniors
  • Second-Grade Class Tours
  • Personal Finance Class Tours
  • Roseau PTO
  • Donations to State Tournament Sports Teams
  • Post Prom Sponsor
  • Ten $1000 Scholarships Each Year to Graduating Seniors
  • Youth Sports Team Sponsorships

Lifecare Medical Center

  • Partners for Health GALA Sponsor
  • Mom & Baby Basket Donor

Four Season Senior Center

  • Monthly Donor
  • Christmas Supper & Entertainment For Members

Roseau County Fair

  • Fair Parade Float
  • Fair Booth
  • Grandstand Event Sponsor
  • 4-H Livestock Auction Volunteers
  • 4-H Sponsor

Adopt-A-Highway

  • Proud to do our part in keeping our area highways clean from the intersection of Highways 89 and 11, extending 2 miles west of Roseau

Annual CSB Customer Appreciation Picnic

  • Free Supper serving 750+ Community Members
  • Prize Giveaways
  • Bouncy House And Snow Cones For The Kids

Annual 12 Days Of Christmas Giveaways

  • Citizens State Bank is humbled to give away more than $3,000 of Christmas Gifts every year to our community

Sponsor For Area Events

  • Relay For Life
  • Walk To Remember
  • ALS Walk/Run
  • Roseau Gazebo Night
  • Warroad Community Partners Events Throughout The Year
  • Roseau Lake Of The Woods Sportsman’s Club
  • Roseau Lake Of The Woods Trailblazers Club
  • Ducks Unlimited
  • Fire Department Fundraisers For Roseau County Volunteer Firefighters
  • Hayes Lake Fishing Derby
  • Northwest Angle Snowmobile Club
  • MN Deer Hunters Association
  • Wannaska Rink & Rec
  • Ross Community Rink
  • Roseau LOW Soybean Growers
  • Boy Scouts Of America
  • Shrine Circus
  • Special Olympics Polar Plunge
  • Northland Range & Gun Club
  • Malung Community Center
  • Northern Lights Concert Series
  • MN Canola Council
  • Blazing Stars Skating School
  • Community Christmas Tree Lighting
  • Nights Of Lights
  • Roseau Civic & Commerce Association
  • DARE
  • Occupational Development Center

Meet the Team

eBanking in Roseau, MN | Citizens State Bank

Adele Cummings

Operations Officer

Started: 10/2/2013
Hometown: Silver Bay, MN
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eBanking in Roseau, MN | Citizens State Bank

Amy L Hove

Teller

Started: 3/28/1991
Hometown: Staples, MN

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Andy Ziegler

Assistant Financial Officer & Auditor

Started: 10/25/2010
Hometown: Mayville, ND

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Ashley Vatnsdal

Bookkeeper

Started: 10/11/2011
Hometown: Roseau, MN

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Ashlyn Mellstrom

Loan Processor

Started: 3/1/2017
Hometown: Roseau, MN

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Connie Creviston

Customer Service

Started: 12/2/1991
Hometown: Kennedy, MN

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Daidre Erickson

Teller

Started: 9/22/2014 
Hometown: Roseau, MN

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Danielle Halvorson

Real Estate Loan Processor

Started: 6/30/2014
Hometown: Osakis, MN

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Darci Johnson

Teller

Started: 10/30/2004
Hometown: Roseau, MN

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eBanking in Roseau, MN | Citizens State Bank

Erin Anderson

Customer Service

Started: 8/19/2002
Hometown: Roseau, MN

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Gabe Magnusson

Loan Processor

Started: 9/25/2023
Hometown: Roseau, MN

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Jackie Ryba

Teller

Started: 5/24/2016
Hometown: Roseau, MN

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Jamie Simmons

Loan Officer

Started: 3/4/2019
Hometown: Roseau, MN

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Jessie Simon

Customer Service

Started: 4/10/2023
Hometown: Alexandria, MN

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Jodie Davy

Real Estate Loan Processor

Started: 11/17/1998
Hometown: Middle River, MN

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Jordan Davy

Teller

Started: 5/28/2021
Hometown: Badger, MN

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Karlene Mattson

Teller

Started: 8/11/2003
Hometown: Warroad, MN

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Kelly Elton

Compliance Officer

Started: 10/15/2012
Hometown: Fosston, MN

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Kelly Grand

Loan Processor

Started: 12/12/2022
Hometown: Roseau, MN

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Kelly Kofstad

Human Resources Officer

Started: 6/28/1998
Hometown: Roseau, MN

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Kerri Melby

Teller

Started: 7/1/2005
Hometown: Roseau, MN

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Kurt Weston

Commercial Loan Officer

Started: 7/16/2018
Hometown: Roseau, MN

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Kyle Horntvedt

Chief Financial Officer

Started: 4/16/2018
Hometown: Baudette, MN

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Laurie Welin

Teller

Started: 6/10/2015
Hometown: Warroad, MN

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Linda Hanson

Bookkeeper

Started: 8/20/1985
Hometown: Badger, MN

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Madison Nieman

Teller

Started: 11/26/2018
Hometown: Badger, MN

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Mel Boutain

Teller

Started: 11/7/2022
Hometown: Goodridge, MN

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Michelle Bjerk

Customer Service

Started: 3/7/1994
Hometown: Roseau, MN

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eBanking in Roseau, MN | Citizens State Bank

Myrna J Nelson

IT Officer

Started: 11/1/1989
Hometown: Roseau, MN

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Paul LaPlante

Loan Officer

Started: 6/20/2005
Hometown: Red Lake Falls, MN

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Rachel Slater

Credit Analyst

Started: 10/31/2016
Hometown: Roseau, MN

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Robert J Foley

Chief Executive Officer

Started: 6/20/1989
Hometown: Roseau, MN

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Robyn Wiskow

Operations Officer

Started: 7/17/1978
Hometown: Roseau, MN

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Sara Winkler

Real Estate Loan Officer

Started: 9/9/2015
Hometown: Deer River, MN

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Scott Erickson

Agricultural Loan Officer

Started: 5/23/2016
Hometown: Bottineau, ND

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Shelly Melby

Loan Processor

Started: 9/16/1991
Hometown: Viking, MN

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eBanking in Roseau, MN | Citizens State Bank

Shirley Mitterling

Bookkeeper

Started: 8/23/1972

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eBanking in Roseau, MN | Citizens State Bank

Stuart McFarlane

President

Started: 8/1/1989
Hometown: Wannaska, MN

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Citizens State Bank Roseau
118 Main Avenue South
Roseau, MN 56751-0160

Phone: 1-218-463-2135
Fax: 1-218-463-2943

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1-888-263-3370

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Business Hours:
Monday – Friday
Lobby: 9:00 AM to 5:00 PM
Drive Up: 8:00 AM to 5:00 PM

Saturday
Lobby: 8:30 AM to 12:00 PM
Drive Up: 8:00 AM to 12:00 PM

CSB Routing Number: 091204527

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