Established in 1961, Citizens State Bank is a locally owned and managed institution that offers a range of financial products and services to serve consumer, agricultural and commercial needs. The bank has locations in Sheldon and Boyden in Iowa. It provides personal and business checking and savings accounts. The bank offers Citizens Plus, a financial program for seniors. It also provides individual retirement and money market accounts, as well as certificates of deposit and safe-deposit boxes. Citizens State Bank offers overdraft and wire transfer services. The bank additionally provides mortgage, consumer, business and student loans. It operates the Citizens Investment Center, which offers annuities, mutual funds and insurance plans.