Citizens State Bank
Citizens State Bank
609 Pacific Ave.
PO Box 68
Waverly MN 55390
Main: (763) 658-4417
Fax: (763) 658-4836
Toll Free: (888) 658-4417
Email: cathyt@bankwaverly.com

Citizens State Bank, the community bank serving both Waverly and Montrose, has been locally owned since 1951 when brothers Dan and Mark Graham purchased the bank.

The Graham Family banking tradition continues today with Dan’s daughter, Catherine (known by many as “Birdie”) and her husband Kim Jackson at the helm.

Quality, Trusted Banking for over 100 Years and Through Three Generations!

This continuity of local ownership means a great deal for the communities of Montrose and Waverly.

It means that:

Lending decisions can be made quickly, often times “on the spot.”

Your dollars stay local to help support the people, businesses, schools and organizations within your community.

You are treated in a friendly, fair and ethical manner by owners and staff that get to know you personally.

Any question or concern regarding your banking relationship will be handled quickly and courteously.

It means a solid and safe bank. A place you can trust for your financial needs.

Serving the Montrose/Waverly Community and the people within the local area is what Citizens State Bank is all about!

Real Estate Loans & Mortgages

Whether you are Buying, Building or Refinancing, CSB can help! Call or stop in and see our seasoned mortgage lender Cathy Thisius. You may reach Cathy at 763-658-4417 xt 22 or cathyt@bankwaverly.com.

In Bank Mortgages

Secondary Market Mortgages
Construction and Construction to Permanent Loans
Refinancing
Second Mortgages
HELOC’s (Home Equity Lines of Credit)
USDA Rural Development (RD) Loans
Perfect for First Time Home Buyers!
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