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Angela Czerwinski, Mortgage Loan Officer, NMLS #402403
Barb Young, AVP/Manager, NMLS #402401
Julie Berg, Vice President - Quality Control & Retail Underwriting, NMLS#234088
Leah Fritsch, Branch Manager/Loan Officer, NMLS #400826
Lisa Lien, Loan Officer, NMLS #402402
Mike Stangl, Real Estate Loan Officer, NMLS #604713
 

Angela Czerwinski, Mortgage Loan Officer, NMLS #402403

Angela joined the Citizens State Bank team in 2008.  She graduated with a degree in finance from the University of Wisconsin-La Crosse in 2001. Angela brings experience in sales, financial advisory, and banking.  She enjoys her job as a Mortgage Lender because it allows her the opportunity to meet new people, help customers save money, and improve their home or business.  Angela will take the stress out of a home purchase, refinance, and new home construction.  Call or stop in to meet with Angela in the La Crosse office, she will exceed your expectations!



620 Main St.
La Crosse, WI 54601
Phone: 608-785-2265
Fax: 608-785-2275


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Barb Young, AVP/Manager, NMLS #402401

Barb has been with Citizens State Bank since 1995 and has been a loan officer since 2000.  Due to her dedication and hard work she was promoted to the AVP/Branch Manager of the Clayton office.  She enjoys the experience of working with our customers in all areas of banking and will strive to fulfill the bank's mission to exceed the customer's expectation and be "Your partner in Banking".  Please contact Barb if you are in the Clayton area.  She looks forward to meeting you and helping you achieve your goals and dreams.



101 Prentice Street S., P.O. Box 129
Clayton, WI 54004
Phone: 715-948-2142
Fax: 715-948-2151


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Julie Berg, Vice President - Quality Control & Retail Underwriting, NMLS#234088

With almost 20 years of lending experience, Julie brings a wealth of knowledge to the Citizens Bank mortgage team. Since starting at Citizens State Bank in 2007, she has helped countless customers with their home purchase and refinancing needs.  Julie will make the mortgage process easy to understand, helping you every step of the way.  Let Julie and Citizens State Bank exceed your expectations and be your partner in banking!



1028 North Hillcrest Parkway
Altoona, WI 54720
Phone: 715-832-2265


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Leah Fritsch, Branch Manager/Loan Officer, NMLS #400826

Experience counts when making one of the most important financial decisions of a lifetime! Leah is a dedicated professional home mortgage specialist who bring extensive skills in residential mortgage lending. She has over 20 years of mortgage, consumer lending and retail banking experience. Leah has been a part of our Citizens State Bank team since November 2011 and is dedicated to helping you and your family establish long term financial success and security. Whether buying or refinancing, Leah will help you make informed decisions, assist your through the loan process, and answer your questions proficiently and promptly. Contact her today to start the application process and allow her to be your partner in banking!



625 Main St
Onalaska, WI 54650
Phone: 608-783-2646
Fax: 608-783-2640


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Lisa Lien, Loan Officer, NMLS #402402

Lisa has been with Citizens State Bank for a total of 10 years. Experienced in personal banking, loan processing and lending, she is proud to offer big bank products in a friendly, small town environment. She loves getting to know her customers and helping them find the loan options that are just right for them. Let Lisa make purchasing or refinancing your home easy and stress free. Give her a call today!



101 Prentice Street S., P.O. Box 129
Clayton, WI 54004
Phone: 715-948-2142
Fax: 715-948-2151


Apply Now


Mike Stangl, Real Estate Loan Officer, NMLS #604713
Mike has been in banking for 11 years and is a recent addition to Citizens State Bank’s La Crosse Office. Mike’s previous Loan Officer experience and knowledge in various functions of banking make him a great asset to our team.  Having recently moved to the La Crosse area from Central Wisconsin, he is excited to be back in the beautiful area near the Mississippi River. The landscape is similar to what he enjoyed while growing up in Buffalo County. Mike looks forward to providing excellent customer service to fulfill a customer’s needs in a professional, yet stress free environment here at Citizens State Bank. Please stop in or call him today!

620 Main Street
La Crosse, WI 54601
Phone: 608-785-2265
Fax: 608-785-2275


Apply Now