CEO Message

Citizens FSB message to our customers
We hope this message finds you and your families safe and healthy.
2020 has been one of the most volatile and challenging years. The coronavirus pandemic and economic distress have tested all of us in many ways.

As the year comes to a close, I wanted to provide a short summary of Citizens FSB work on your behalf and share some thoughts about how we can continue to support you in 2021.

2020 in Review
When the pandemic hit, Citizens FSB had three top priorities—continue to provide you with the excellent customer service you deserve; protect our employees; and take the steps necessary to maximize our cybersecurity and technology.

We have heard from you that Citizens FSB is delivering quality customer service. We successfully transitioned 1/4 of workforce to remote work, keeping our employees safe over the early stages of the pandemic. We achieved a record year in loan production between mortgage lending, commercial lending, and PPP lending.   Our deposit growth has hit record highs for our organization. 

Our Commitment in 2021
The New Year will usher in a renewed commitment to making Citizens FSB financially stronger and helping our community partners through fiscal uncertainty.

A top Citizens FSB priority is continuing to expand our technology to be able to provide you the best ease of access to your products at Citizens FSB.   Launch a new company website, expand communication within our social media platform, and develop new products.

Additionally, we will continue to use best practices to keep our employees and customers safe with this continued pandemic. 

Ultimately, despite 2020’s challenges, I’m proud that we stayed focused on our mission of service. In so many ways, this has never been more important.

In the coming year, we are committed to making Citizens FSB better each and every day for you. On behalf of the Citizens FSB’s team, may you have a safe and healthy 2021!

Thank you for another successful year in 2020 and on behalf of your Bank, I want to wish you a very Happy New Year. May this year bring lots of happiness in your life.


As you navigate our website, I hope you learn more about the qualities that make our company an outstanding provider of essential banking services and a wonderful place to build a career.

Thank you,
Randy L Baker
President/ CEO/ Director