Time Frames

Through the Years From: Citizens Bank to Citizens State Bank to Frontier Bank

Citizens Bank was established's as a private instituation.

Transitioned from a private bank to a state-chartered financial entity and formally changed its name to the Citizens State Bank. Historical records note its operations dating back alongside prominent town merchange.

James Blair Lower, notable early cashier, served Citizens State Bank until he left to lead the First National Bank of Washington.

The bank operated actively serving the local agricultural and mercantile community. During this time frame J.A. Welch took over the role of cashier.

Following the departure of J.B. Lower, ownership consolidated under
M. Jennings and later his successor, M. Jennings, Jr. of Davenport, Nebraska. Employees were: O.E. Lower, Assistant Cashier; J.A. Welch, Assistant Cashier; and Edward Kulp, Assistant Cashier.

The Jennings family controlled the bank for over fifty years, guiding it safely through the Great Depression and the post World War II economic booms before selling the institution to Kay Klaumann in December 1968.

Kay Klaumann purchased the Citizens State Bank. He retained the existing local bank staff of: Edward Kulp, Cashier; Christine Gingles, Assistant Cashier; and Mildred Kuczyski, Teller.

The bank survived the agricultural depression. During this time Kay Klaumann's independent corporation holding entity shifted its structure and the physical bank changed.

Citizens State Bank began operating under the transitional trade name Frontier Bank. Barbara Wurtz served as Bank Manager through its transitions and later retired from banking.

Signature Baneshares, Inc. acquired the Frontier Bank. The bank's operations were ultimely merged and closed. The building was handed over to the community and became the Haddam City Offices.