Borrow Smarter,
Live Better
Personal Loans with Competitive Rates & Local Service
Whether you’re covering unexpected expenses, buying a car, or funding your education, Citizens State Bank has personal loans to fit your needs. With flexible options, competitive rates, and personalized guidance, we make borrowing simple so you get the cash you need to live the life you want.
For 100 years, we’ve provided Texans with the ability to finance their goals confidently. Now it’s your turn.
Get the Funds You Need.
Loans from $1,100 to $10,000 for every expense or goal.
Finance a New Vehicle.
Simple, secured auto, boat, or RV loans at competitive rates.
Pay for College Expenses.
Student loans for tuition, housing, textbooks, and more.
Take the First Step Toward Smarter Financing
Securing the perfect loan for your goals has never been easier.
Find the Best Loan for Your Needs
At CSB, we offer a variety of loan options to help you achieve your financial goals. Whether you need money for an emergency, a vehicle purchase, or college tuition, you’ll get the advantage of personalized service, with local people making local lending decisions.
Personal Loans
Flexible, unsecured loans starting as low as $1,100, perfect for covering unexpected expenses, going on your dream vacation, consolidating debt, and other personal needs.
- Fixed Monthly Payments
- Competitive Interest Rates
- No Collateral Required
Student Loans
Pursuing higher education? We’ve partnered with College Ave. to offer student loans that help you pay for tuition, books, and living expenses, with repayment options that fit your future.
- Fixed Monthly Payments
- Competitive Interest Rates
- Terms Tailored to Your Needs
- Support for Undergrad & Graduate Studies
Simple Secured Loans
Finance your next ride, whether on land or water, with a secured loan to purchase a vehicle.
Auto Loans
Get behind the wheel with an auto loan that fits your budget. We offer financing on new and used vehicles at competitive rates with flexible repayment terms.
- Fixed Monthly Payments
- Competitive Interest Rates
- Low Down Payment Options
- Terms Tailored to Your Needs
Boat Loans
Set sail with a loan that makes boat ownership more affordable. Our boat loans let you finance a new or used watercraft with ease.
- Fixed Monthly Payments
- Competitive Interest Rates
- Low Down Payment Options
- Terms Tailored to Your Needs
RV Loans
Hit the open road with confidence. Our RV loans provide the financing you need for travel trailers, motorhomes, and campers.
- Fixed Monthly Payments
- Competitive Interest Rates
- Low Down Payment Options
- Terms Tailored to Your Needs
*All loans subject to borrower qualifications and credit approval.
Why Borrow with CSB
100+ Years of Trust
We’ve been helping Texans confidently secure financing for their goals since 1925.
Competitive Rates & Flexible Terms
Get loan options that fit your budget without any hidden fees or surprises.
Local Lending Decisions
Unlike the big banks, our team works closely with you to get you the funds you need.
Personalized Support
We take the time to understand your goals and find the right loan for you.
Ready to Get Started?
Our team can help you find the loan that fits your needs.
Locations
Somerville
Aaron Flencher, President & CEO
155 8th Street
P.O. Box 518
Somerville, TX 77879
Phone: (979) 596-1421
Fax: (979) 596-2078
Lobby Hours:
Monday – Thursday: 9:00-3:00
Friday: 9:00 – 6:00
Drive-Thru Hours:
Monday – Thursday: 7:30 – 5:30
Friday: 7:30 – 6:00
Deanville
Angie White, Branch Manager
6498 FM 111
P.O. Box 92
Deanville, TX 77852
Phone: (979) 535-4535
Fax: (979) 535-8108
Lobby Hours:
Monday – Thursday: 8:30-3:00
Friday: 8:30 – 3:00 & 4:00 – 6:00
Drive-Thru Hours:
Monday – Thursday: 7:30 – 4:00
Friday: 7:30 – 6:00
Caldwell
Cody Novosad, Branch President
201 E. Buck Street
P.O. Box 389
Caldwell, TX 77836
Phone: (979) 567-4646
Fax: (979) 567-9287
Lobby Hours:
Monday – Thursday: 9:00-3:00
Friday: 9:00 – 6:00
Drive-Thru Hours:
Monday – Thursday: 7:30 – 5:30
Friday: 7:30 – 6:00
*Onsite ATM
Brenham
Cory Flencher, EVP
2007 S. Day Street
Brenham, TX 77833
P.O. Box 90
Brenham, TX 77834
Phone: (979) 251-8844
Fax: (979) 251-8844
Lobby Hours:
Monday – Thursday: 9:00-3:00
Friday: 9:00 – 6:00
Drive-Thru Hours:
Monday – Thursday: 7:30 – 5:30
Friday: 7:30 – 6:00
*Onsite ATM
Snook
Justin E. Lewis, VP & Branch President
9981 FM 2155
P.O. Box 510
Snook, TX 77878
Phone: (979) 272-8500
Fax: (979) 272-8253
Lobby Hours:
Monday – Thursday: 9:00-3:00
Friday: 9:00 – 6:00
Drive-Thru Hours:
Monday – Thursday: 7:30 – 5:30
Friday: 7:30 – 6:00
*Onsite ATM
Navasota
Eddie Bosse, VP & Branch President
9109 Highway 90 South
P.O. Box 908
Navasota TX 77868-0908
Phone: (936) 825-3662
Fax: (936) 825-3662
Lobby Hours:
Monday – Thursday: 9:00-3:00
Friday: 9:00 – 6:00
Drive-Thru Hours:
Monday – Thursday: 7:30 – 5:30
Friday: 7:30 – 6:00
*Onsite ATM
Burton
Matt Stolz, Branch President
515 N Main St
P.O. Box 8
Burton, TX 77835
Phone: (979) 289-3151
Fax: (979) 289-2101
Lobby Hours:
Monday – Thursday: 9:00-3:00
Friday: 9:00 – 6:00
Drive-Thru Hours:
Monday – Thursday: 7:30 – 5:30
Friday: 7:30 – 6:00
*Onsite ATM
Speak with our team.
Request more information.
FAQs
What financial documents do I need to apply for a personal, vehicle, or student loan?
It’s helpful to have these documents on hand so that we can verify your income and credit history to keep your loan application moving smoothly.
While specific requirements can vary, here’s what you’ll typically need to have on hand when applying for a personal, vehicle, or student loan:
- Proof of Identity and Address – A government-issued ID (driver’s license, passport, etc.) and a utility bill or bank statement confirming where you live.
- A Proof of Income – Pay stubs, bank statements, and/or tax returns.
- Credit History – We will request permission to check your credit report or ask for additional documentation.
Not sure if a document applies to you or if you don’t have a specific document? Don’t worry; our team will be there to guide you through it. Additional information may be requested as needed.
What is debt-to-income (DTI) ratio?
Debt-to-income (DTI) ratio measures the percentage of monthly income that goes toward paying debts. Lenders use it to gauge a borrower’s ability to handle a mortgage payment. A lower DTI often indicates better loan eligibility.