<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" href="https://kcsbank.com/wp-sitemap.xsl" ?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"><url><loc>https://kcsbank.com/blog-post-1/</loc><lastmod>2017-04-25T11:00:20-04:00</lastmod></url><url><loc>https://kcsbank.com/blog-post-2/</loc><lastmod>2017-08-22T12:45:20-04:00</lastmod></url><url><loc>https://kcsbank.com/kalamazoo-county-state-bank-launches-new-website-branding/</loc><lastmod>2017-07-31T07:11:27-04:00</lastmod></url><url><loc>https://kcsbank.com/icba-kcsb-offer-six-tips-help-safeguard-consumer-data/</loc><lastmod>2017-09-28T15:30:50-04:00</lastmod></url><url><loc>https://kcsbank.com/customer-appreciation-day-in-celebration-of-our-110th-anniversary/</loc><lastmod>2018-10-11T10:44:52-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-kevin-hughes/</loc><lastmod>2020-07-09T09:37:41-04:00</lastmod></url><url><loc>https://kcsbank.com/are-you-going-to-love-it-or-build-it-to-buy-build-or-remodel/</loc><lastmod>2024-05-15T12:08:07-04:00</lastmod></url><url><loc>https://kcsbank.com/why-you-should-get-a-mortgage-prequalification-before-you-start-house-hunting/</loc><lastmod>2020-09-28T11:19:32-04:00</lastmod></url><url><loc>https://kcsbank.com/what-happens-if-the-home-appraisal-is-lower-than-the-offer/</loc><lastmod>2020-09-28T11:19:09-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-patrick-fitzgerald/</loc><lastmod>2020-08-03T10:06:13-04:00</lastmod></url><url><loc>https://kcsbank.com/5-questions-to-ask-a-mortgage-lender/</loc><lastmod>2020-09-28T11:18:48-04:00</lastmod></url><url><loc>https://kcsbank.com/8-reasons-to-shop-local-for-your-mortgage/</loc><lastmod>2020-09-28T11:18:02-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-deanna-gerow/</loc><lastmod>2020-09-03T10:50:41-04:00</lastmod></url><url><loc>https://kcsbank.com/kcsb-mourns-loss-of-great-leader-mentor-jim-macphee/</loc><lastmod>2020-09-17T15:05:57-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-michanna-holbrook/</loc><lastmod>2020-09-22T10:11:19-04:00</lastmod></url><url><loc>https://kcsbank.com/7-unexpected-first-time-home-buyer-expenses/</loc><lastmod>2023-04-11T11:33:41-04:00</lastmod></url><url><loc>https://kcsbank.com/6-advantages-to-building-or-buying-a-home-in-the-fall/</loc><lastmod>2020-11-05T13:21:56-05:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-jerry-kroetsch/</loc><lastmod>2020-11-09T08:30:31-05:00</lastmod></url><url><loc>https://kcsbank.com/mortgage-application-checklist-what-documents-will-i-need/</loc><lastmod>2020-11-12T09:11:51-05:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-chuck-snyder/</loc><lastmod>2020-12-01T11:16:25-05:00</lastmod></url><url><loc>https://kcsbank.com/holiday-greeting-in-the-time-of-coronavirus/</loc><lastmod>2020-12-01T11:29:10-05:00</lastmod></url><url><loc>https://kcsbank.com/should-you-refinance-your-mortgage-while-rates-are-low/</loc><lastmod>2021-03-11T11:11:14-05:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-maria-brandt/</loc><lastmod>2021-03-01T09:48:13-05:00</lastmod></url><url><loc>https://kcsbank.com/how-do-cash-out-refinances-work/</loc><lastmod>2021-04-01T10:19:37-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-tony-r-poehlman/</loc><lastmod>2021-04-05T13:46:50-04:00</lastmod></url><url><loc>https://kcsbank.com/8-ways-to-use-mortgage-refinancing-to-your-advantage/</loc><lastmod>2021-11-11T09:32:36-05:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-tiffany-brinkert/</loc><lastmod>2021-05-03T08:55:18-04:00</lastmod></url><url><loc>https://kcsbank.com/best-known-secret-kcsb-offers-self-contracting-construction-loans/</loc><lastmod>2021-06-03T11:13:03-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-courtney-gill/</loc><lastmod>2021-06-03T13:58:53-04:00</lastmod></url><url><loc>https://kcsbank.com/kcsb-appoints-mary-marshall-to-lead-human-resources-marketing-as-rick-phillips-retires/</loc><lastmod>2021-06-17T12:18:17-04:00</lastmod></url><url><loc>https://kcsbank.com/what-to-expect-when-considering-a-kcsb-construction-loan/</loc><lastmod>2021-11-11T08:45:03-05:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-mary-marshall/</loc><lastmod>2021-07-01T09:42:29-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-janet-mendocha/</loc><lastmod>2021-08-09T10:31:16-04:00</lastmod></url><url><loc>https://kcsbank.com/what-documents-do-i-need-for-a-refinance/</loc><lastmod>2021-08-16T08:41:50-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-rose-mary-vander-molen/</loc><lastmod>2021-09-02T08:59:14-04:00</lastmod></url><url><loc>https://kcsbank.com/whats-the-best-time-of-year-to-refinance-your-home/</loc><lastmod>2021-09-07T04:58:42-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-drew-forsyth/</loc><lastmod>2021-10-05T15:43:47-04:00</lastmod></url><url><loc>https://kcsbank.com/what-to-expect-when-refinancing/</loc><lastmod>2021-10-25T10:51:29-04:00</lastmod></url><url><loc>https://kcsbank.com/is-an-owner-builder-construction-loan-in-your-future/</loc><lastmod>2021-11-11T08:47:22-05:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-makenzie-cail/</loc><lastmod>2021-11-15T12:38:29-05:00</lastmod></url><url><loc>https://kcsbank.com/tiffany-brinkert-celebrates-25-years-with-kalamazoo-county-state-bank/</loc><lastmod>2022-03-21T10:17:04-04:00</lastmod></url><url><loc>https://kcsbank.com/kalamazoo-county-state-bank-announces-promotions/</loc><lastmod>2022-03-21T10:33:59-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-brandi-wilde/</loc><lastmod>2022-04-07T10:43:35-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-cassandra-ocallaghan-horn/</loc><lastmod>2022-05-05T09:44:33-04:00</lastmod></url><url><loc>https://kcsbank.com/8-reasons-why-you-should-use-a-local-community-bank-for-your-small-business/</loc><lastmod>2022-06-09T15:13:41-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-patti-mohney/</loc><lastmod>2022-06-09T15:04:11-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-sam-rice/</loc><lastmod>2022-07-05T19:16:59-04:00</lastmod></url><url><loc>https://kcsbank.com/8-questions-you-should-ask-your-business-banker-when-considering-a-business-expansion/</loc><lastmod>2022-07-05T19:29:37-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-dawnn-decker/</loc><lastmod>2022-08-09T12:00:49-04:00</lastmod></url><url><loc>https://kcsbank.com/how-to-qualify-for-a-business-line-of-credit-or-a-business-loan/</loc><lastmod>2022-08-11T12:44:15-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-cliff-hartzell/</loc><lastmod>2022-09-08T17:00:09-04:00</lastmod></url><url><loc>https://kcsbank.com/benefits-of-a-business-bank-account/</loc><lastmod>2022-09-08T16:47:21-04:00</lastmod></url><url><loc>https://kcsbank.com/mail-fraud-is-real-keep-your-personal-information-safe/</loc><lastmod>2022-09-08T16:30:55-04:00</lastmod></url><url><loc>https://kcsbank.com/six-hidden-costs-of-operating-a-small-business-and-how-a-community-bank-may-help/</loc><lastmod>2022-10-11T09:47:22-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-heidi-fletcher/</loc><lastmod>2022-11-29T16:00:11-05:00</lastmod></url><url><loc>https://kcsbank.com/cyber-safe-travel/</loc><lastmod>2022-11-29T16:04:42-05:00</lastmod></url><url><loc>https://kcsbank.com/5-financial-tips-for-small-businesses/</loc><lastmod>2022-11-29T16:24:13-05:00</lastmod></url><url><loc>https://kcsbank.com/cyber-safety-tips-for-online-shopping/</loc><lastmod>2022-11-29T16:25:39-05:00</lastmod></url><url><loc>https://kcsbank.com/kalamazoo-county-state-bank-honors-crystal-holston-anthony-poehlman/</loc><lastmod>2023-03-10T13:47:49-05:00</lastmod></url><url><loc>https://kcsbank.com/angela-leversee-celebrates-15-year-anniversary-with-kcsb/</loc><lastmod>2023-03-10T13:44:09-05:00</lastmod></url><url><loc>https://kcsbank.com/kalamazoo-county-state-bank-welcomes-loan-officer-ryan-hamilton/</loc><lastmod>2023-03-10T13:44:09-05:00</lastmod></url><url><loc>https://kcsbank.com/kevin-hughes-celebrates-10-year-anniversary/</loc><lastmod>2023-03-13T14:27:28-04:00</lastmod></url><url><loc>https://kcsbank.com/mary-marshall-celebrates-10-year-anniversary-with-kcsb/</loc><lastmod>2023-03-13T14:27:21-04:00</lastmod></url><url><loc>https://kcsbank.com/a-message-from-scott-hines-president-and-ceo/</loc><lastmod>2023-05-05T10:27:02-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-will-baker/</loc><lastmod>2023-04-11T10:33:31-04:00</lastmod></url><url><loc>https://kcsbank.com/kcsb-shareholders-elect-jill-a-angell-blake-a-krum-to-board-of-directors-david-t-krum-elected-director-emeritus/</loc><lastmod>2023-05-05T10:24:47-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-susan-vincent/</loc><lastmod>2023-06-02T06:41:06-04:00</lastmod></url><url><loc>https://kcsbank.com/7-reasons-to-use-a-local-mortgage-lender-in-todays-market/</loc><lastmod>2023-06-02T06:44:49-04:00</lastmod></url><url><loc>https://kcsbank.com/business-plans-promote-financial-wellbeing/</loc><lastmod>2024-04-15T10:44:06-04:00</lastmod></url><url><loc>https://kcsbank.com/stephanie-chapin-celebrates-45-year-anniversary/</loc><lastmod>2023-07-10T11:31:03-04:00</lastmod></url><url><loc>https://kcsbank.com/president-and-ceo-d-scott-hines-reflects-on-20th-anniversary/</loc><lastmod>2023-08-02T14:21:02-04:00</lastmod></url><url><loc>https://kcsbank.com/how-to-get-a-self-build-construction-loan/</loc><lastmod>2024-07-12T11:49:45-04:00</lastmod></url><url><loc>https://kcsbank.com/kcsb-remembers-great-leader-mentor-jim-macphee/</loc><lastmod>2023-09-11T12:08:48-04:00</lastmod></url><url><loc>https://kcsbank.com/what-do-you-need-to-get-a-small-business-loan/</loc><lastmod>2024-04-15T11:07:18-04:00</lastmod></url><url><loc>https://kcsbank.com/september-spotlight-for-julia-rozeboom/</loc><lastmod>2023-09-14T09:07:53-04:00</lastmod></url><url><loc>https://kcsbank.com/kcsb-volunteers-spread-joy-before-vicksburgs-movies-in-the-park/</loc><lastmod>2023-09-14T09:25:32-04:00</lastmod></url><url><loc>https://kcsbank.com/kcsb-promotes-makenzie-kenzie-cail-to-officer/</loc><lastmod>2023-09-28T10:23:57-04:00</lastmod></url><url><loc>https://kcsbank.com/5-advantages-to-getting-a-self-build-construction-loan-in-the-fall/</loc><lastmod>2025-08-01T11:13:55-04:00</lastmod></url><url><loc>https://kcsbank.com/employee-spotlight-taylor-johnson/</loc><lastmod>2023-11-13T15:48:38-05:00</lastmod></url><url><loc>https://kcsbank.com/kcsb-honors-anthony-poehlman-deanna-gerow/</loc><lastmod>2024-01-09T13:58:46-05:00</lastmod></url><url><loc>https://kcsbank.com/patrick-fitzgerald-mattawan-branch-manager-celebrates-5-years-with-kcsb/</loc><lastmod>2024-05-30T19:35:49-04:00</lastmod></url><url><loc>https://kcsbank.com/kcsb-applauds-deb-reynolds-50th-anniversary/</loc><lastmod>2025-05-29T19:01:16-04:00</lastmod></url><url><loc>https://kcsbank.com/jerry-kroetsch-5-year-anniversary/</loc><lastmod>2025-05-29T19:01:09-04:00</lastmod></url><url><loc>https://kcsbank.com/many-find-helocs-more-advantages-today/</loc><lastmod>2025-05-29T19:01:04-04:00</lastmod></url><url><loc>https://kcsbank.com/drew-forsyth-celebrates-5-years-with-kcsb/</loc><lastmod>2025-05-29T19:00:56-04:00</lastmod></url><url><loc>https://kcsbank.com/home-equity-line-of-credit-vs-credit-cards-which-is-better-for-you/</loc><lastmod>2025-05-29T19:00:49-04:00</lastmod></url><url><loc>https://kcsbank.com/10-year-milestones-congratulations/</loc><lastmod>2025-05-29T19:00:21-04:00</lastmod></url><url><loc>https://kcsbank.com/schelles-anniversary-story-for-september-newsletter/</loc><lastmod>2025-09-05T13:31:57-04:00</lastmod></url><url><loc>https://kcsbank.com/5-reasons-to-talk-with-a-local-mortgage-lender-today/</loc><lastmod>2025-09-08T11:22:04-04:00</lastmod></url><url><loc>https://kcsbank.com/kalamazoo-county-state-bank-president-ceo-scott-hines-elected-chairman-of-community-bankers-of-michigan/</loc><lastmod>2025-10-06T10:47:37-04:00</lastmod></url><url><loc>https://kcsbank.com/8-questions-to-ask-your-business-banker-when-considering-a-business-expansion-in-2026/</loc><lastmod>2025-10-06T11:31:10-04:00</lastmod></url><url><loc>https://kcsbank.com/teach-your-young-people-about-money/</loc><lastmod>2025-10-06T12:00:28-04:00</lastmod></url><url><loc>https://kcsbank.com/charles-chuck-snyder-celebrates-10th-anniversary/</loc><lastmod>2025-11-05T13:00:39-05:00</lastmod></url><url><loc>https://kcsbank.com/the-3-most-common-uses-for-a-heloc-today/</loc><lastmod>2025-11-05T13:04:32-05:00</lastmod></url><url><loc>https://kcsbank.com/consider-your-home-loan-advantages-at-this-time/</loc><lastmod>2025-12-07T15:30:53-05:00</lastmod></url><url><loc>https://kcsbank.com/state-of-michigan-special-tribute-to-schelle-mcmillan/</loc><lastmod>2025-12-07T15:39:44-05:00</lastmod></url><url><loc>https://kcsbank.com/saving-is-a-function-of-discipline-not-income/</loc><lastmod>2026-02-03T09:02:00-05:00</lastmod></url><url><loc>https://kcsbank.com/makenzie-kenzie-dunning-receives-2025-ken-krum-employee-of-the-year-award/</loc><lastmod>2026-01-09T11:44:53-05:00</lastmod></url><url><loc>https://kcsbank.com/jerry-kroetsch-and-janet-mendocha-receive-2025-leeroy-m-angell-directors-award/</loc><lastmod>2026-01-09T11:47:34-05:00</lastmod></url><url><loc>https://kcsbank.com/5-advantages-of-working-with-your-local-mortgage-lender/</loc><lastmod>2026-02-03T11:08:56-05:00</lastmod></url><url><loc>https://kcsbank.com/building-a-new-home-heres-what-to-expect/</loc><lastmod>2026-03-03T11:54:45-05:00</lastmod></url></urlset>
