Citizens Savings Bank is a locally managed and operated community bank. Citizens Savings Bank employees focus on building long term relationships and strive to provide outstanding customer service in all interactions. Chief Executive Officer, John W. Reuther notes most customers are on a first name basis with our staff. Citizens Savings Bank has 7 branch offices located throughout Lackawanna, Wayne and Monroe Counties. Citizens Savings Bank enjoys a 5 Star Superior Rating ? the highest possible from BauerFinancial, the independent financial rating bureau relied on by consumers, investors, and journalists to judge the health of financial institutions.