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History of Citizens State Bank

From a beginning in 1903 until the present time, banking in the Somerville area has continued with a progressive outlook. Starting as Wilson and Holman Company, Bankers, located in a small frame building in Somerville, the bank then built a two-story brick structure on the corner of Avenue B (Highway 36) and Seventh Street. It was a banking house until 1967, when the present building for Citizens State Bank was completed. From 1905 to approximately 1915, the bank was known as the Bank of Somerville, and later First State Guaranty Bank. On June 8, 1925, Citizens State Bank purchased all of the assets of First State Guaranty Bank and received its charter. Because of its constant growth, Citizens State Bank completed its first expansion in 1979, adding 9,200 square feet. Another 10,000 square feet was added to its current location in 1995, with more additions over the years.

Beginning in April 1989 with the purchase of First State Bank of Deanville, Citizens State Bank established five branch locations in surrounding communities. In June 1990, Citizens State Bank acquired Peoples National Bank of Caldwell and Burleson County Savings Association in February 1992. A Brenham location opened in January of 1999, and a Snook location followed in February of 2003. The most recent branch opening occurred with the establishment of a Navasota location in July 2007. With six locations to provide a wide variety of services for its customers, Citizens State Bank continues to strive for quality customer service.

Capable leadership in the bank has made this progress possible. W. T. Wilson, a Belton merchant, relocated to Somerville in 1903 with his family and established the Wilson and Holman Company, Bankers with his son-in-law, Louis Holman. Mr. Holman later contracted tuberculosis and left Somerville after selling the bank to J. A. Jones and Associates. Mr. Jones operated the Bank of Somerville for ten years before the bank was purchased by W. C. Page and Associates. Mr. Page, a native of Lake Providence, Louisiana, headed the bank until 1925, when it was sold to J. F. Lyons and Associates and became Citizens State Bank.

Mr. Lyons was a good businessman, but by his own admission, he was not a banker. His son-in-law, Horace Chester Hardin, served as cashier and operated the bank for 20 years before his retirement due to poor health. Dr. G. V. Pazdral became president for several years and was followed by Ervin B. Flencher, Sr., in 1956. Mr. Flencher, a long-time employee of the bank, served as President/CEO/Chairman of the Board for 60 years until his death on March 9, 1996. Ervin B. (Ben) Flencher, Jr. assumed his father’s positions and led Citizens State Bank through its expansion into its six current locations. In February 2020, Aaron Flencher assumed the position of President/CEO and continues his family’s vision on growth and customer service.

The banking atmosphere created at Citizens State Bank is one of close relationships with the customers, a quick perception of needs, prompt responses, and a sincere desire to encourage the growth and prosperity of Somerville, Deanville, Caldwell, Brenham, Snook, Navasota and the trade territory.


Statement of Condition

Click here for our bank's most recent financial reports published on the FDIC web site



Ervin B. (Ben) Flencher, Jr., Chairman   Michael H. Gentry
Michael A. Rhodes, Vice Chairman   John R. Giesenschlag
Aaron K. Flencher, President & CEO   Lois W. Kolkhorst
Paul J. Batista   Harry R. Neinast, Jr.
Dennis Engelmann   Timothy N. Tietjen
Cory R. Flencher