Established in 1913, Citizens State Bank is a full-service financial institution and a state-chartered bank. The bank, a part of the Hugoton Bancshares Inc., offers a wide range of products and services, such as checking, savings, loans, online services and certificate of deposit, among others. Located in Hugoton, Kan., Citizens State Bank provides loans to agricultural, commercial, real estate and consumer sectors. Additional services include telephone banking, notary, escrow, wire transfers, etc. The bank is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender.