Citizens State Bank .

The History of Citizens State Bank

Citizens State Bank serves individuals and businesses in Leon, Freestone, Limestone, Madison, Robertson, Houston, Anderson, Bosque, McLennan, Ellis, Johnson, Hill, and Navarro counties. Established in 1925, Citizens State Bank has been serving Leon and surrounding counties for over seventy-five years.

Our main office is located in the heart of Buffalo, Texas. Buffalo is situated at "the crossroads" of Texas located approximately half-way between Houston and Dallas on Interstate 45 and Highway 79. Buffalo is a community with much to offer.

Centerville is ideally located in the geographical center of Leon County where State Hwy 7 and 75 meet with I-45 bordering on the West. From Centerville, you can go any direction and be in a major city in less than an hour for shopping or entertainment, yet still return home to enjoy the country-style of living Leon County is known for.

Whitney is located approximately 35 miles north of Waco, 70 miles southwest of Dallas Fort Worth and is home to one of the best recreational lakes in the State of Texas.

Itasca is just off of Interstate 35 West, located 58 miles southwest of Dallas, 42 miles south of Ft. Worth and 42 miles north of Waco. Itasca is in a briskly developing area of the state and is full of rich resources including its rural charm.

Hubbard is centrally located at the crossroads of State Hwy 31 and State Hwy 171 which is 28 miles east of Waco, 20 miles west of Corsicana, 23 miles south of Hillsboro and 23 miles north of Mexia. Hubbard is known for its antiques and beautiful old Victorian homes.

Teague is at the junction of U.S. Highway 84, State Highway 179, and Farm roads 80 and 145, nine miles southwest of Fairfield in western Freestone County. One of Teague’s finest qualities is its support and involvement with the youth and strong school system in the community.

Clifton, located in south-central Bosque County, is approximately 30 miles northwest of Waco and 80 miles southwest of Fort Worth, and has been named the Norwegian Capital of Texas.


Citizens State Bank is a member of Industry Bancshares, Inc., a holding company that was formed by local shareholders in the Industry, Texas community. This holding company was formed in 1993 and presently owns Industry State Bank, Citizens State Bank, Fayetteville Bank, First National Bank of Bellville, First National Bank of Shiner, and ISB Insurance.

Citizens State Bank presently offers products to make banking easier and more convenient for its customers. We offer 24-hour touch-tone banking, an ATM at all locations, Internet Banking, MasterCard & Visa credit cards, MasterCard Debit Cards, and a wide assortment of savings, checking and loan products. Convenient banking hours are available to our customers that include Saturday lobby and drive-in services.

Citizens State Bank values its customers and we are committed to providing excellent customer service. If you are currently one of our valued customers, we would like to take this opportunity to thank you for your business. If you are looking for a bank where you are more than just a number, we would welcome the opportunity to serve all of your banking needs.



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Citizens State Bank, 1330 W. Commerce Street, PO Box 278, Buffalo, Texas 75831 |
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