Welcome Michael Franklin to Citizens State Bank as SVP, Commercial Lender

We’re excited to welcome Michael Franklin to Citizens State Bank as our new Senior Vice President, Commercial Lender! With over 20 years of experience in corporate banking, Michael brings a wealth of knowledge, strategic insight, and a passion for empowering businesses to achieve their financial goals.

Michael has a proven track record of success, specializing in commercial business lending and deposit growth. His expertise in building and nurturing strong relationships with clients, CPAs, and attorneys makes him a perfect fit for our commitment to relationship-driven banking.

“We are thrilled to have Michael join our leadership team,” said Dan Fischer, President of Citizens State Bank. “His dedication to supporting businesses and his deep understanding of the financial landscape will undoubtedly strengthen our ability to serve our clients and communities.”

A Wealth of Experience

Michael brings hands-on experience in business depository accounts, commercial lending for equipment, real estate, business acquisition, credit lines, and SBA products. His deep knowledge of treasury management services, residential mortgages, and consumer banking further enhances his ability to provide tailored financial solutions.

Michael was a Market Manager at The State Bank for over five years. There, he specialized in commercial lending, treasury management, and business banking, serving clients throughout Oakland County. His extensive background also includes nearly 16 years as a Relationship Manager at JPMorgan Chase & Co., where he worked closely with businesses earning $5-$50 million in annual revenue. Michael played a key role in helping clients optimize profitability through strategic financial solutions.

A Commitment to Community

Michael has called Southeast Michigan home for the past 25 years. He lives in West Bloomfield with his wife and two sons, ages 16 and 12. Family is at the center of his life, and he can often be found cheering on his older son’s high school and travel baseball games or his younger son’s football games. He also values making time for date nights with his wife — even if they have to sneak them in!

Why Citizens State Bank?

When asked why he chose Citizens State Bank, Michael said, “I was attracted to CSB because of the employee culture, their focus on building lasting relationships with customers, and their dedication to growing their brand while positively impacting the communities they serve.”

Michael’s leadership will play a key role in helping our clients thrive. We are confident that his expertise will contribute greatly to our continued growth and success.

Please join us in welcoming Michael Franklin to the Citizens State Bank family!