We are Texas born and community based.  Citizens State Bank was chartered in July 1947 in Hockley County, Texas.  Out here in West Texas, we enjoy a simpler life.  We thrive on relationship banking and getting to know the needs of our customers.  You can expect a personal touch and trusted advice when you work with any of our bankers.  Our decisions are made in West Texas by West Texans.  Our directors, officers, and employees are committed to serving the local communities in which we operate.  While we do offer the technological conveniences that many banking customers are familiar with, we still like to do banking the old-fashioned way, with a smile and a handshake.  You will always be greeted by our friendly staff when you walk through the doors, and we will never have a machine answer the phone when you call.