FDIC-insured bank
Citizens State Bank — Royal Oak, MI
Bank headquartered in Royal Oak, Michigan, part of CITIZENS BANCSHARES INC.
Source: FDIC BankFind Suite, data as of June 30, 2026, fetched September 5, 2026
Headquarters and contact
| Address | 32500 Woodward Ave Royal Oak, MI 48073 |
| County | Oakland |
| Metro area | Detroit-Warren-Dearborn, MI |
| Website | www.micsb.com |
| Phone | not published in FDIC data, see the bank's website |
FDIC record
| FDIC Certificate | 8183 |
| Federal Reserve RSSD ID | 356752 |
| Status | Active |
| Charter class | SM (STATE) |
| Holding company | CITIZENS BANCSHARES INC |
| Domestic offices | 3 |
| Financials as of | June 30, 2026 |
How to find your Citizens State Bank routing number
FDIC does not publish ABA routing numbers, and many banks use different routing numbers by state or by account type. The reliable places to find yours: the bottom left of a check from this bank, the "account details" screen in its online banking, or its official website at www.micsb.com.
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Offices nearest to headquarters
| Citizens State Bank main office Royal Oak, MI |
32500 Woodward Ave, 48073 |
| Farmington Hills Branch Farmington Hills, MI |
31550 Northwestern Hwy, 48334 |
| Ontonagon Branch Ontonagon, MI |
501 River Street, 49953 |
Where Citizens State Bank has offices
Cities with the most Citizens State Bank offices
Largest banks headquartered elsewhere in Michigan
| Northpointe Bank Grand Rapids | $7.53 billion |
| First National Bank of America East Lansing | $6.82 billion |
| Mercantile Bank Grand Rapids | $6.24 billion |
| Independent Bank Grand Rapids | $5.66 billion |
| ChoiceOne Bank Sparta | $4.45 billion |
| Macatawa Bank, National Association Holland | $3.69 billion |
| Bank of Ann Arbor Ann Arbor | $3.50 billion |
| Isabella Bank Mount Pleasant | $2.17 billion |
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