Questions? Need Help?

Beulah office:
(231) 882-4462

Benzonia office:
(231) 882-4476


About Us

Central State Bank is a full-service community bank dedicated to serving the residents of Benzie County.

We, the employees of Central State Bank, are your friends and neighbors. Since 1913, we have been taking care of you like a good friend would—with your best interests in mind. Here, local full-service banking is personalized with a smile.

Our approach to banking is based on the way you live and work in the Benzie area. We’re small enough to know your name, but big enough to offer a variety of up-to-date financial products and services, specifically designed with you in mind.

Our two locations in Beulah and Benzonia offer a wide-range of services including personal and business banking, mortgage lending, and online banking.

We're here for you!