Citizens Community Bancorp, Inc. is the bank holding company for Citizens Savings Bank, a mutual savings institution headquartered in Amherst, Ohio. Through its subsidiary, the company provides commercial and retail banking services to individuals, small and mid-sized businesses, and local municipal entities across northeastern Ohio. Its branch network spans key communities in Lorain County and surrounding areas, offering personalized customer service with a focus on community banking.
The company’s core product offerings include a range of deposit accounts such as checking, savings, money market and certificate of deposit programs, alongside individual retirement accounts. On the lending side, Citizens Savings Bank extends residential mortgage financing, home equity lines of credit, consumer installment loans and business loans tailored to support local entrepreneurs. In addition, the bank delivers online and mobile banking platforms, merchant processing solutions and treasury management services designed to streamline daily operations for its clientele.
Established in 1887 as Amherst Loan and Savings Company and later rechartered as Citizens Savings & Loan Association, the organization has evolved over more than 130 years while maintaining its mutual roots and community focus. Throughout its history, the bank has expanded both its geographic footprint and service capabilities, adapting to technological advances and regulatory changes while preserving a commitment to relationship-driven banking.
Governance at Citizens Community Bancorp is overseen by a board of directors composed of regional business and civic leaders, with an executive management team of seasoned banking professionals handling day-to-day operations. This leadership cohort, supported by experienced department heads in lending, finance and risk management, guides the organization’s strategic direction and ensures compliance with industry standards.
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