We will not be open Monday, January 20th in observance of Martin Luther King Jr. Day. Our Digital Banking and ATMs are always available. Have a safe & pleasant holiday!

No two businesses are alike. We understand that at CBK. Your small business needs the same sort of resources as bigger businesses, just scaled to size.

Let us help you.

Start up financing
Working capital
Real estate loan for your business location
Convenient line of credit for your seasonal cash flow

Visit with one of our lenders near you to get started.

Our Small Business Lenders

Shannon Beal Community Bank President/Mortgage Loan Officer 316.321.1500 El Dorado NMLS ID: 1970966 Apply Now

David Chappell Community Bank President 316.775.2200 Augusta NMLS ID: 879339

Ben Drouhard Community Bank President/Senior Real Estate Lender 316.684.2265 Wichita - East NMLS ID: 458605
About Ben

Ben Drouhard

A Wichita native, Ben Drouhard serves as Community Bank President in Wichita and the Senior Real Estate Officer at CBK. Ben received his bachelor’s and master’s degrees from Wichita State University. His community service includes the Wichita Rotary Club, the Alzheimer’s Association of Central and Western Kansas, and the Wichita Rotary Charitable Fund. Ben is a member of the American and Kansas Bankers Association and serves on the Kansas Bankers Association (KBA) State Affairs Committee.
He is actively involved with the Church of the Blessed Sacrament in a variety of roles. Ben lives in College Hill near the East Wichita branch with his wife Laura; they have three children and one grandson. Ben enjoys traveling and hiking with Laura, playing golf, and reading.

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Jared Graber Loan Officer 620.532.5162 Kingman

Sid Graber Community Bank President/Chief Credit Officer 620.459.6221 Pretty Prairie
About Sid

Sid Graber

Sid Graber began his banking career in October 1997 with The State Bank of Pretty Prairie. In October 1998, Citizens Bank of Kansas purchased The State Bank, and Sid has been with CBK ever since. He serves as the Chief Credit Officer and Community Bank President in Pretty Prairie. Sid graduated from Kansas State University with a BS in mechanical engineering and attended the Graduate Schools of Banking.
Sid served on the KBA/Kansas Ag Bankers Division’s board, holding the office of President in 2014. Other involvement includes Pretty Prairie Community Association, The Booster Club, and leadership roles in their church.
Sid and his wife Gayle reside on the family farm near Pretty Prairie, which Sid manages in his spare time. Sid and Gayle have two adult children. (His son Jared is a loan officer at CBK.)

Dale Lonker Loan Officer 620.886.5686 Medicine Lodge

Chris Macias Community Bank President 620.221.4230 Winfield NMLS ID: 488618
About Chris

Chris Macias

Chris Macias joined CBK in 2014 and has been in banking for more than 20 years. Chris currently serves as the Community Bank President for the Winfield location and Senior Loan Manager for the El Dorado and Augusta lenders. He is a graduate of Southwestern College, where he earned a BBA in finance, and obtained an MBA from Baker University. Chris spends much of his time in the spring and summer on the ballfield, managing a traveling baseball team called the South Central Gassers. Chris also owns a real estate business that holds several rental properties. Chris and his wife Angelie live in Wellington with their three sons.

Brock Stuhlsatz Community Bank President 316.788.1111 Derby - Rock NMLS ID: 1144921

Kelly Wood Community Bank President 620.532.5162 Kingman

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When we decided to open our salon, our bank of twenty years declined to help us; we were shocked. Citizens Bank of Kansas was honestly our last hope, a referral from another small business owner in town. CBK took a chance on us when nobody else would. They are not just a bank; they are partners in our community. They have become our customers and friends. We have not only a bank, but also counsel in our growing business decisions. We love love love CBK….. truly an asset in every way to our community.

Our Cedar Ranch Estates partners had an idea for a new large lot housing development for Derby. Being a local Derby business, we felt that it was important to partner with a bank with strong ties in our community. CBK has those ties. CBK has been instrumental in Cedar Ranch Estates’ success through competitive commercial loan rates for land purchases and letters of credit. We appreciate CBK’s creative help with our borrowing needs and continued support as Cedar Ranch Estates expands into Phase 2 of our development. We love the local access to CBK and will continue to use their services and expertise as our business continues to grow.

My CBK Story

Banking isn't a money business... it's a people business. OUR HISTORY