November 10, 2025

Citizens State Bank Announces Plans to Merge With Harvest Bank

Since 2012, Citizens State Bank and Harvest Bank have shared common ownership through our holding company, Cattail Bancshares. While we have operated independently — with separate charters and management teams — our shared values and commitment to community banking have always aligned.

After thoughtful consideration, our Ownership Group and Board of Directors have decided to merge Citizens State Bank and Harvest Bank into a single, unified bank. This change will take effect in the first quarter of 2026. Once the merger is complete, our combined organization will operate under the name Harvest Bank, with six locations serving our communities.

We are committed to making this transition as smooth as possible. There will be no branch closures, and we do not anticipate any staff reductions. Our focus remains on providing high-quality products, exceptional service, and meaningful support to the communities we serve.

We will be sharing more information about the merger and what it means for you in the coming weeks. Our goal is to keep you informed and make the transition as smooth as possible. If you have any questions, please don't hesitate to reach out to Brian Matzke, Paula Fritzke, or Justin Rowe. We're here to support you every step of the way.


View the merger Q&A here.

January 7, 2026, Consumer Merger Update Letter

January 7, 2026, Commercial Merger Update Letter