Message to Our Customers

Dear Customers, Neighbors and Friends,

At Citizens Federal Savings Bank, we are excited to be celebrating our 139^th year as a community bank. We appreciate our Board of Directors and team members whose dedication to our culture has allowed us to help our customers succeed and grow our company.

Solid financial results are only part of the story – in fact, without our customers there would not be much of a story to tell. As an independent community bank, we have the power to make local decisions that allow us to remain strong and to fulfill customers’ needs in a timely fashion. We continue to focus on building relationships and earning our customers’ loyalty as they choose Citizens Federal Savings Bank as their trusted financial partner.

As a community bank, we take pride in reinvesting in the communities that we serve. One of the greatest qualities of our team is our willingness to give back and be active in support of customers, businesses, and local organizations. We continue to support local education through our financial literacy and school branded debit card programs. These efforts have resulted in donations exceeding $33,000 to local schools and educational foundations.

The success that Citizens Federal Savings Bank has enjoyed is a tribute to our greatest assets, our talented team members. We are fortunate to have a team of highly talented community bankers dedicated to exceeding the expectations of our customers. We remain clearly aligned with our mission to remain a strong, independent community savings bank providing competitive pricing and outstanding customer service. On behalf of our Directors and our Team, we thank you for your continued trust and confidence in our Company.

Your Citizens Federal Savings Bank Team