The Citizens Bank's loan department is dedicated to serving the residents of Hickman and Fulton as well as other Fulton Countians, and the residents of surrounding counties. We are a locally owned bank. Meaning that all loan requests are able to be handled right here in our bank. We are proud to offer all different types of loans to our customers. 

Agriculture Loans

Ag loans are our specialty. We proudly finance row crop, poultry, and livestock operations in our area. Our Ag Loans consist of Operating lines of Credit, Farm Real Estate purchases and mortgages, and Equipment Financing and Leasing. We offer very competitive rates on all of our loans and have a seasoned staff ready and willing to serve you.

Residential Real Estate Loans

Loans for Homes, Rental Houses, Duplexes, or Mobile Homes on a lot are all available. Our loan officers are ready to assist you with the right loan for you finanical needs. 


Our Auto loans can be financed for up to 5 years on a new vehicle. Terms and rates vary on used vehicles based on model year and mileage.

Consumer Loans

Personal loans for whatever you need are available in monthly payments or single payments up to 6 months.

Business and Commercial Loans

Loans are available for the buildings, equipment, inventory and even accounts receivable.