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Citizens Savings Bank's Overview

Total employees36
HeadquartersClarks Summit
Founded1902

Citizens Savings Bank is a community-focused mutual savings bank headquartered in Clarks Summit, Pennsylvania. Founded in 1902, the bank has a rich history of serving the financial needs of individuals, families, and businesses throughout Northeastern Pennsylvania. It offers a wide array of banking products and services, encompassing personal and business checking and savings accounts, mortgage and consumer loans, commercial lending, and modern digital banking solutions. As a mutual institution, Citizens Savings Bank is owned by its depositors and is deeply committed to reinvesting in the local communities it serves, prioritizing personalized customer service, financial education, and overall stability.

Where is Citizens Savings Bank's Headquarters?

HQ Function

The headquarters serves as the central administrative and operational hub, overseeing strategic direction, financial management, regulatory compliance, and support for all branch operations.

Notable Features:

A modern and accessible banking facility designed to offer comprehensive services to customers and house the bank's core administrative staff. It likely features contemporary banking technology and customer service areas.

Work Culture:

The work culture at Citizens Savings Bank is rooted in community values, emphasizing integrity, customer focus, teamwork, and employee development. It strives to be a supportive and engaging workplace for individuals passionate about local banking.

HQ Significance:

The headquarters is pivotal to the bank's identity and operations, symbolizing its long-term commitment to Clarks Summit and the broader Northeastern Pennsylvania region. It acts as a cornerstone for local economic activity and community financial services.

Values Reflected in HQ: The headquarters embodies the bank's core values of community strength, customer trust, financial prudence, local engagement, and service excellence.

Location:

Citizens Savings Bank is a regional institution focused on serving communities within Northeastern Pennsylvania, USA. It does not maintain a physical global presence through international branches. Its core operations and services are concentrated on supporting the local economies where its branches are located, though customers can access accounts through online banking and ATM networks worldwide.

Street Address:

500 S. State Street

City:

Clarks Summit

State/Province:

PA

Country:

USA

Citizens Savings Bank's Global Presence

Scranton, PA, USA

Address: 1848 N. Main Avenue, Scranton, PA 18508

To serve the diverse banking needs of residents and businesses in Scranton, reinforcing the bank's commitment to Lackawanna County and providing convenient access to financial solutions.

Honesdale, PA, USA

Address: 648 Main Street, Honesdale, PA 18431

Supports the financial well-being of the Honesdale community and surrounding areas in Wayne County, acting as a local financial partner.

Mount Pocono, PA, USA

Address: 109 Route 940, Mount Pocono, PA 18344

Facilitates financial services in a key growth area of Monroe County, contributing to the local economy and offering accessible banking options.

Buying Intent Signals for Citizens Savings Bank

Highperformr Signals uncover buying intent and give you clear insights to target the right accounts at the right time — helping your sales, marketing, and GTM teams close more deals, faster.

Notable news
Hiring actively
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
*Example signal, not calculated in real time

Executive Team of Citizens Savings Bank

As of April 2025, Citizens Savings Bank' leadership includes:

Scott A. Gardoski - President and Chief Executive Officer
Alfred J. Toczydlowski, Jr. - Executive Vice President and Chief Lending Officer
David R. Hazzouri - Senior Vice President, Chief Financial Officer and Treasurer
Thomas P. Kusy - Senior Vice President and Chief Operating Officer
Kelly Thompson - Senior Vice President, Chief Retail and Marketing Officer

Investors of Citizens Savings Bank

Citizens Savings Bank has been backed by several prominent investors over the years, including:

As a mutual savings bank, Citizens Savings Bank is owned by its depositors, not by stockholders. This structure means the bank's primary accountability is to its customers and the communities it serves, with profits typically reinvested to enhance services, support local initiatives, and ensure financial stability.

Executive New Hires/Exits in the Last 12 Months

Hire0
Exits0

Based on publicly available information, there have been no major, widely reported new hires or departures at the senior executive level of Citizens Savings Bank in the past 12 months. The bank generally maintains a stable leadership team.

Technology (Tech Stack) used by Citizens Savings Bank

Discover the tools Citizens Savings Bank uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.

Citizens Savings Bank Email Formats and Examples

Citizens Savings Bank likely employs standard professional email address formats for its staff. The most common patterns typically combine elements of an employee's name with the bank's domain.

Plausible email formats include [firstinitial][lastname]@citizens-savings.com (e.g., jdoe@citizens-savings.com) or [first].[last]@citizens-savings.com (e.g., jane.doe@citizens-savings.com).

Format

sgardoski@citizens-savings.com

Example

80%

Success rate

News and media

WNEP.comNovember 9, 2023

Citizens Savings Bank donates $10,000 to the United Way

Citizens Savings Bank contributed $10,000 to the United Way of Lackawanna and Wayne Counties, supporting the organization's efforts to address critical community needs and enhance the quality of life in the region....more

Citizens Savings Bank News (citizens-savings.com)July 20, 2023

Citizens Savings Bank Sponsors Inaugural Pickleball Tournament to Benefit Marley’s Mission

Citizens Savings Bank announced its sponsorship of the first-ever Pickleball Tournament with proceeds benefiting Marley's Mission, a local non-profit that provides free, equine-assisted psychotherapy services to children who have experienced trauma....more

The Abington Journal (theabingtonjournal.com)May 10, 2023

Citizens Savings Bank announces system upgrade

Citizens Savings Bank informed its customers of an upcoming system upgrade designed to enhance banking services, improve security, and provide a more seamless digital experience. The upgrade was scheduled for the Memorial Day weekend....more

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