Welcome to the First National Bank of Fort Smith
Citizens Bank

Citizens Bank
P.O. Box 469
Van Buren, Arkansas 72957

Tel: 479-474-1201 (call center)


Tel: 479-474-1201 (call center)

8:00 a.m. - 5:00 p.m. Mon-Thurs
8:00 a.m. - 6:00 p.m. Fri
9:00 a.m. - 12:00 p.m. Sat

866-546-8273 (After Hours)

This option is available thru your Online Banking Service.



Commercial Loans

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Running a successful business today requires hard work, a clear set of goals, an eye on the future and having a Bank you can rely on!

The commercial lending professionals at Citizens Bank & Trust are experts in helping area businesses recognize the financial challenges facing them and meeting those obstacles with loan options designed to fit your specific needs,
  • Inventory and Accounts Receivable loans
  • Machinery and Equipment loans
  • Commercial Real Estate loans
  • Working Capital loans
  • SBA and other Government Agency loans
  • Lines of Credit
  • Letters of Credit
  • Financial Counseling

No two businesses are the same. That's why we begin the process with each business, small or large, by listening. It's relationship banking and it is what separates us from all the rest.


Consumer Loans

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Competitive interest rates and unparalleled personal service--that's the great combination you will receive at Citizens Bank & Trust.  And it's a combination that can put you behind the wheel of a new car, or help you enclose your carport to create a family room, add another bedroom, install the latest appliances in your home, or put that new boat in your garage.

See us today for loans that meet the needs of your personal borrowing requirements, including:

  • Automobile loans (new and used)
  • Recreational vehicles (motor homes, travel trailers, campers, boats, motors, trailers, motorcycles, etc...)
  • Mobile or Modular Homes
  • Home Improvement loans
  • Personal loans
  • Financial Counseling

Credit application

Residential Loan application

To print a credit application click one the 2 icons to the right.
Print the credit application and either bring it to any of our locations,

or mail it to us at:
Citizens Bank & Trust Co.
Attn: Loan Dept.
PO Box 469
Van Buren, AR 72957-0469


Real Estate Mortgage Loans   
Submit your Online Application to get started TODAY!!

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If you have found yourself dreaming about buying a new home, building a new home or re-financing your existing mortgage, Citizens Bank & Trust is ready to help!

You'll find our service prompt and efficient and our mortgage loan professionals qualified to answer all of your questions and concerns about what will likely be the largest purchase you will ever make. We can and will assist you in securing:
  • Property acquisition loans
  • Construction loans
  • In-House Real Estate loans
  • Long-term, fixed rate FHA/VA and Conventional loans
  • ADFA loans for low to moderate income families and first-time home buyers
  • Second Mortgage loans
  • Financial Counseling

Notice: Email is not secure and may be intercepted by unauthorized individuals or entities. Never transmit any confidential personal or financial information via e-mail.

The Main office in Cloverleaf Plaza or the Northridge Branch (both in Van Buren)
Allen Defrees
(479) 410-5259

First National Bank's Main Building in downtown Fort Smith
Amy Abbott
(479) 788-4299

First National Cornerstone Branch, 3515 Old Greenwood Road
Jennifer McConnell-McAlister
(479) 646-0402

To begin the application process, please click here.

Citizens Bank & Trust Company     All Rights Reserved. Equal Housing Lender