CFS Bancorp, Inc. operates as the holding company for Citizens Financial Bank that provides various banking products and services. The company offers various deposit products, including checking accounts, money market accounts, savings accounts, and certificates of deposit. Its commercial loan portfolio comprises commercial real estate loans, construction and land development loans, and commercial and industrial loans; and retail loan portfolio includes one-to-four family residential loans, home equity loans, home equity lines of credit, construction and lot loans, auto loans, and other consumer loans. The company also offers investment services and securities brokerage services for individuals, families, and small- to medium-sized businesses; and public fund deposits, repurchase sweep accounts, zero balance accounts, remote deposit capture, positive pay and merchant services, business overdraft protection, business online banking, and other cash management related services. It operates 20 full service banking centers in Lake and Porter counties in Northwest Indiana; and Cook and DuPage counties in Illinois. The company was founded in 1934 and is headquartered in Munster, Indiana.

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