KCSB In The News & COMMUNITY
What Possibilities Can Your Home Unlock?
A pool in the backyard. Paying off high-interest debt. A dream vacation. A home equity line of credit — often called a HELOC — can help make it happen. Today’s housing market remains competitive, with higher home values and limited inventory. That means many...
Building a New Home? Here’s What to Expect
Building a new home is an exciting milestone — and having the right financial partner can make the process smooth from start to finish. In many cases, new homes are built in master-planned communities where developers design the neighborhood and partner with approved...
5 Advantages of Working with Your Local Mortgage Lender
When it comes to exploring mortgage options, who you choose to work with matters. A local community bank offers more than a transaction — it offers guidance, understanding, and a true partnership throughout your financial journey. With local insight, personal service,...
Jerry Kroetsch and Janet Mendocha Receive 2025 LeeRoy M. Angell Directors Award.
Jerry and Janet were nominated by KCSB’s Executive Officers. As a community bank, the Officers look at the “big picture” of community service and volunteerism, not just Bank sponsored non-profit work. Jerry was nominated for his consistent volunteerism in our...
Makenzie (Kenzie) Dunning Receives 2025 Ken Krum Employee of the Year Award
Kenzie is the Branch Officer of the Vicksburg office and was nominated by Bank employees to receive this honor. Here are some of the employee comments: I nominate Kenzie because she tries to improve things. I think she has a better grasp of things that need to be done...
Saving is a Function of Discipline, Not Income!
Take the Steps to Build Your Emergency “Rainy Day” Fund Every financial journey comes with unexpected turns, which is why having an emergency—or “rainy day”—fund matters. You’ve probably heard the phrase “save for a rainy day” before, often early in life. And while it...
STATE OF MICHIGAN Special Tribute To Schelle McMillan
45th Anniversary at Kalamazoo County State Bank LET IT BE KNOWN that it is with great pride and admiration that we join in recognizing Mrs. Schelle McMillan for her forty-five years of dedication to the Kalamazoo County State Bank and for her outstanding contributions...
Consider Your Home Loan Advantages at this Time
If you have ever thought of buying a home, building a home, refinancing your current home mortgage or even using the equity in your home for debt consolidation or remodeling -- now might be the time! We have entered a period where mortgage interest rates are now at...
The 3 Most Common Uses for a HELOC Today
As the holidays draw near, you may be considering how to use your remaining funds and if you want to continue to use your credit card(s) for expenses. This is an opportune time to consider your home’s equity to strengthen your finances and meet your financial goals as...
Charles (Chuck) Snyder Celebrates 10th Anniversary
Congratulations Chuck! Chuck is Assistant Vice President, Retail Loan Officer for KCSB. With excellent lending and management skills, Chuck excels at helping his customers with their mortgages, construction loans, home equity loans and business loans. He is known for...
Teach Your Young People About Money
Give Them a Valuable Head Start Teaching young people about money can help them become more financially independent as they get older. There is research that suggests financial education may be related to lower debt, higher savings, and higher credit scores. 6 Ways to...
8 Questions To Ask Your Business Banker When Considering a Business Expansion in 2026
Small businesses have seen exceptional challenges and opportunities over the last several of years. With the uncertainty of the economy, many business owners have questions about their future, especially when thinking about expanding. Whether you are considering...
Kalamazoo County State Bank President, CEO Scott Hines Elected Chairman of Community Bankers of Michigan
Kalamazoo County State Bank (KCSB) is pleased to announce President and Chief Executive Officer D. Scott Hines is elected Chairman of the Community Bankers of Michigan (CBM) Board of Directors for the fiscal year 2025-2026. Hine’s was appointed at the CBM Annual...
5 Reasons to Talk with a Local Mortgage Lender Today
Now is the time to talk with your local mortgage lender if you are thinking of buying your first home, moving into a bigger home or looking to downsize. If anyone knows the pulse of the local market, it’s your local community bank lenders. With home prices and...
Schelle’s Anniversary Story for September Newsletter
Kalamazoo County State Bank Celebrates Schelle McMillan’s 45th Anniversary Kalamazoo County State Bank (KCSB) is pleased to announce Schelle McMillan is celebrating her 45th anniversary with the Bank. “We are extremely pleased to announce Schelle’s 45th anniversary...
10 Year Milestones – Congratulations!
Courtney Gill (the brunette) and Michanna Holbrook (the blond) celebrate 10-year anniversaries with KCSB in October. Because of their longevity and loyalty, they have a solid understanding of KCSB and are valuable sources of knowledge for other employees and...
Home Equity Line of Credit vs Credit Cards – Which is Better for You?
When pondering a remodeling project, adding a room to your home, or consolidating debt, a home equity line of credit may be a better option to use instead of a credit card(s). A HELOC (home equity line of credit) allows you to borrow only the money you need and offers...
Drew Forsyth Celebrates 5 Years with KCSB
Drew Forsyth, Credit Analyst, is celebrating his five 5-year anniversary this July. As Drew likes to say, “I’ve been with KCSB for five glorious years!” As a credit analyst, Drew verifies customers can repay their potential business loans. So, as Drew may work behind...
Many Find HELOCs Have More Advantages Today!
A home equity line-of-credit, or HELOC, is usually an adjustable-rate loan because you can borrower the money anytime in the draw period. This line-of-credit allows you to borrow only the money you need and offers a variable interest rate that is generally lower than...
Jerry Kroetsch 5-Year Anniversary
Jerry Kroetsch joined KCSB as Commercial Loan Officer and Assistant Vice President in 2019. He has 30 years combined banking experience as a Commercial Loan Officer and Retirement Plan Administrator. Jerry has a BBA in Finance from Western Michigan University in...
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