Citizens State Bank
Citizens State Bank

Loans and Real Estate/Mortgages

Citizens State Bank offers a complete line of Loans and Mortgages. Stop by Waverly or Montrose today for an application or call (763) 658-4417 for more information!

S.A.F.E. Act Notification - Institution Identification #781878

In compliance with the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) of 2008, Citizens State Bank of Waverly, Inc. has registered its Mortgage Loan Originators with the Nationwide Mortgage Licensing System & Registry.

Mortgage Loan Originators

Virginia Tussing #785781

Joel Brunner #784258

Patrick Baumgard #794600

Visit the website:, if you wish to review the publicly available information.

Fixing up your Home? CSB has the funds for you!

Find out how you can receive loan funds for your home remodeling or fix up windows, A/C unit, roofing, siding, and more!

Real Estate Loans & Mortgages

Whether you are Buying, Building or Refinancing, CSB can help! Call or stop in to our Montrose office and see one of our mortgage lenders; Ginny Tussing, Joel Brunner, or Patrick Baumgard. Ginny #785781, Joel #784258, and Patrick #794600 are officially registered in the Nationwide Mortgage Licensing System and Registry. You may reach them by phone at 763-658-4417 or by e-mail:,, or

  • 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!

Consumer Loans

CSB offers Consumer Loans for a variety of purposes. Perfect for buying a new Vehicle, Boat or Snowmobile! Or the Vacation of your dreams! We offer Competitive Rates along with Quality, Trusted Service! Call our loan officer, Ginny Tussing, today to get started at (763) 658-4417 or

  • Personal Loans
  • Vehicle Loans
  • Vacation Loans
  • Ready Reserve Overdraft Lines of Credit

Commercial Loans

Expand your existing business or start up a new business! The experienced commercial lenders at CSB are ready to help you succeed in today's business environment.

Contact Brian Matzke at (763) 658-6233 or, Patrick Baumgard at (763) 658-6244 or

  • Business Term Loans for working capital, business expansion, real estate purchase, equipment financing
  • Business Operating Lines of Credit
  • Small Business Administration (SBA) approved lender
  • USDA Business and Industry Loans


We know Ag! Brian is as 'at home' on a combine as he is behind his desk.

  • Operating Lines of Credit for your crop or livestock operation
  • Livestock, Machinery and Equipment Loans
  • Real Estate Loans
  • Farm Service Agency (FSA) approved lender for FSA guaranteed loan programs
  • Guaranteed farm operating loans
  • Beginning farmer programs
  • Down payment loans
  • Rural Finance Authority approved lender through the State Department of Agriculture

For more information, contact Brian Matzke (763) 658-6233 or

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