Community Focus As a longstanding local institution serving Northeastern PA for over a century, Citizens Savings Bank values community engagement and personalized services, providing opportunities to tailor financial products or digital solutions that enhance local customer experience.

Digital Service Expansion With 24/7 online banking, mobile check deposit, and online loan application capabilities, there is potential to introduce advanced fintech integrations or tools that increase convenience, security, and customer engagement across digital channels.

Leadership Growth Recent appointment of a new President & CEO presents a chance to support strategic initiatives, branding, or leadership communication tools that align with the bank’s evolving vision and customer outreach efforts.

Customer Loan Focus Offering a variety of mortgage and home equity loans indicates an opportunity to propose solutions that streamline loan origination, servicing, or application processing to improve operational efficiency.

Competitive Market Operating in a regional banking space with peers such as F&M Bank and Bank First provides a pathway to introduce targeted financial solutions, market analysis tools, or customer retention platforms to strengthen competitive positioning.