We are thrilled to announce that Joe Michael has joined Citizens State Bank as our new Business Development Officer!

With over 40 years of experience in commercial lending, Joe is a true powerhouse in the industry. His expertise, strategic insight, and client-focused approach have already made an impact—he’s brought on several significant clients in just his first few weeks with us.

But it’s not just his professional acumen that stands out. Joe’s larger-than-life personality and signature style make him impossible to miss. Whether he’s making connections at a networking event or collaborating with our team, Joe brings energy, enthusiasm, and a sharp sense of fashion that’s second to none.

We’re excited to have Joe on board as we continue to grow and strengthen our commitment to serving businesses in our community. Join us in giving him a warm welcome—he’s ready to help you achieve your financial goals!