Citizens State Bank of Loyal on Your Credit Report
In short: Citizens State Bank of Loyal is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Loyal, Wisconsin. The charter behind FDIC certificate 6186 dates to December 15, 1909 — a charter older than the FDIC itself. At the 06/30/2026 reporting date the bank showed $312 million in total assets and 5 FDIC-reported offices. Citizens State Bank of Loyal is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Citizens State Bank of Loyal actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Citizens State Bank of Loyal carries FDIC certificate 6186, operates 5 FDIC-reported offices and reported $312 million in assets on its most recent call report in Loyal, Wisconsin.
How Citizens State Bank of Loyal appears on your credit report
This tradeline is furnished by Citizens State Bank of Loyal itself, not purchased from another lender, which means the source documents are held in-house. Chartered in Wisconsin and operating 5 FDIC-reported offices, Citizens State Bank of Loyal handles disputes against its own records. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at its 5 Wisconsin banking offices
- ◆Home-equity lines and residential mortgages originated near Loyal
- ◆Agricultural and small-business operating credit reported to the bureaus
Grounds to dispute a Citizens State Bank of Loyal entry
Each of these is a reason a Citizens State Bank of Loyal tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Loyal office on time but posted to the next cycle
- ◆Account still showing a balance after Citizens State Bank of Loyal processed the final payment
- ◆Duplicate Citizens State Bank of Loyal tradeline created when the loan was renumbered internally
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Citizens State Bank of Loyal is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Citizens State Bank of Loyal has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Citizens State Bank of Loyal a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Citizens State Bank of Loyal questions, answered
Is Citizens State Bank of Loyal FDIC-insured, and what is its certificate number?
It is insured, and certificate 6186 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Loyal, WI, chartered December 15, 1909, reporting $312 million and 5 offices as of 06/30/2026.
Who regulates Citizens State Bank of Loyal, and where do I escalate if a dispute fails?
Citizens State Bank of Loyal answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Citizens State Bank of Loyal head office in Loyal is the right address for the written record.
How many credit-card complaints does the CFPB show against Citizens State Bank of Loyal?
We do not publish a figure for Citizens State Bank of Loyal. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
When does a Citizens State Bank of Loyal charge-off fall off my report?
The seven-year window runs from first delinquency on the underlying Citizens State Bank of Loyal account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with Citizens State Bank of Loyal and disputing with a collector?
Citizens State Bank of Loyal is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to Citizens State Bank of Loyal puts the question to the party that can actually check it against source documents.
Will a Citizens State Bank of Loyal account show on all three reports?
There is no legal requirement to furnish to every bureau, and Citizens State Bank of Loyal, operating 5 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with Citizens State Bank of Loyal.
I see duplicate Citizens State Bank of Loyal tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Citizens State Bank of Loyal has operated since 1909, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Is there a free way to dispute the Citizens State Bank of Loyal tradeline?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Citizens State Bank of Loyal are free and available to you. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is Citizens State Bank of Loyal headquartered, and does that affect my dispute?
Citizens State Bank of Loyal is headquartered in Loyal, Wisconsin, with 5 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Citizens State Bank of Loyal; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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