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Commercial Lending

You’ve carefully planned for your business’ future and now is the time to put your strategies into action. Take control of achieving your company’s objectives with Citizens’ customized financing options. You’ll experience flexible lending structures, competitive rates, and local decisions with financial expertise to assist in achieving your company’s long-term goals.
As your business grows, your team of experienced bankers is ready to assist! Your Citizens team is comprised of responsive, attentive professionals who know your industry and who are prepared to meet your business needs before they arise!
Take control of your success by enlisting the experienced professionals at Citizens Bank & Trust as your financial and strategic partners!


Our experienced agribusiness bankers have a unique understanding of local issues and markets. Let us work with you to provide banking solutions to improve cash flow throughout the farming cycle. We take pride that our decisions are made locally with your business in mind!

SBA Lending

As a small business owner, you have more than enough on your to-do list. From building and taking care of your clients to balancing your work and personal time, there’s no need to add the complications of money management. Citizens Bank & Trust has the expertise you can turn to that will keep you on the path to further success.
When you need a customized financial strategy to assist with working capital, equipment financing, commercial real estate, and more... Citizens makes local decisions with your business in mind!

Real Estate Lending

Opportunities arise and you can be confident that Citizens Bank & Trust is on point! Experience the expertise that will focus on your goals to invest in a new development, a development improvement project, a land opportunity and so much more. Credit decisions made locally will expedite your endeavor!
Citizens Bank & Trust offers competitive rates and flexible terms with a quick return in all types of commercial real estate including but not limited to industrial, office, retail, and multifamily properties.
Expect customized solutions for your financial needs when you enlist the experienced professionals at Citizens Bank & Trust as your strategic partner!

Commercial Construction and Development

  • Income Producing
  • Acquisition
  • Refinance
  • Bridge Loans
  • Other Commercial Loans