Question 1

What is Citizens Savings Bank - Spillville?

Accepted Answer

Citizens Savings Bank - Spillville is a community bank headquartered in Spillville, Iowa, serving northeast Iowa's rural communities. With approximately $141.9 million in total assets and $116.9 million in deposits, the bank operates three full-service branches in Winneshiek County and surrounding areas.

The bank provides traditional community banking services with a strong emphasis on agricultural lending and rural community support. As a locally owned institution serving small Iowa towns since 1908, the bank positions itself as a trusted neighbor staffed by family and friends from the communities it serves.

Question 2

When was Citizens Savings Bank - Spillville founded?

Accepted Answer

Citizens Savings Bank has served its communities since 1908, making it one of northeast Iowa's longstanding financial institutions. The bank was established to serve the rural and agricultural communities of Winneshiek County during the early 20th century.

For over 115 years, the bank has maintained continuous operations through numerous economic cycles, including the Great Depression, agricultural crises, and various banking industry transformations. This longevity demonstrates the institution's resilience and deep commitment to its local communities.

Question 3

Where is Citizens Savings Bank - Spillville headquartered?

Accepted Answer

The bank's main office is located at 101 Church Street in Spillville, Iowa (P.O. Box 7, Spillville, IA 52168). Spillville serves as the headquarters and primary location for the institution.

Spillville is a small town in Winneshiek County in northeast Iowa, known for its Czech heritage and rural agricultural character. The town is situated in the rolling hills of the Driftless Area, a region that escaped glaciation and features unique topography.

Question 4

Where does Citizens Savings Bank - Spillville operate?

Accepted Answer

Citizens Savings Bank - Spillville operates three full-service branches throughout northeast Iowa. Locations include Spillville (main office at 101 Church Street), Fort Atkinson (104 4th Street NW), and Protivin (109 N. Main Street).

All three communities are located in Winneshiek County and the surrounding area, serving a predominantly rural and agricultural region. The bank's branch network serves small towns with populations typically under 2,000 residents, demonstrating its commitment to providing banking services in areas that might otherwise be underserved by larger financial institutions.

Question 5

What services does Citizens Savings Bank - Spillville offer?

Accepted Answer

Citizens Savings Bank - Spillville offers comprehensive deposit and lending services tailored to rural communities. Deposit products include various checking and savings accounts designed to help customers manage and save money, along with certificates of deposit with competitive interest rates.

The bank provides lending services for personal, real estate, commercial, and agricultural financial goals, reflecting the agricultural nature of its market area. Digital banking services include online banking, mobile banking, mobile deposit capability allowing customers to deposit checks using their mobile device camera, and online bill payment. The bank also offers ATM services and maintains traditional banking conveniences. Agricultural banking services and expertise are key strengths, providing specialized support to the farming communities in its service area.

Question 6

What makes Citizens Savings Bank - Spillville unique?

Accepted Answer

Citizens Savings Bank - Spillville distinguishes itself through its unwavering focus on serving small rural Iowa communities for over 115 years. The bank emphasizes personal relationships, describing its staff as "your family, friends, and neighbors."

The institution has maintained its commitment to communities that many larger banks have abandoned, providing essential financial services to towns with very small populations. The bank's understanding of agricultural cycles, rural economies, and small-town dynamics gives it specialized expertise in serving its market. The bank actively participates in community events and supports local interests, schools, and agricultural initiatives. Its longevity and continued independence as a locally owned institution reflect management's dedication to preserving community banking in rural northeast Iowa.

Question 7

What type of financial institution is Citizens Savings Bank - Spillville?

Accepted Answer

Citizens Savings Bank - Spillville is a State-Chartered Commercial Bank that is not a member of the Federal Reserve System. It is supervised by the Federal Deposit Insurance Corporation (FDIC) and operates under Iowa state banking regulations.

As a commercial bank with state charter and Fed nonmember status, the institution serves retail customers, small businesses, and agricultural clients. The bank's FDIC Certificate Number is 12128. Its structure allows it to provide comprehensive community banking services with particular strength in agricultural and rural lending. The bank's classification and independent ownership enable it to maintain local decision-making authority and remain responsive to the unique needs of northeast Iowa's rural farming communities.

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