Citizens Financial Services (CFS) is a subsidiary of Citizens National Bank of Hillsboro, Texas. Established in 2005, our goal is to provide the level of service and attention that each customer would expect in handling their financial resources and investment needs.


Our licensed, registered and knowledgeable staff has many years of experience to assist our customers in making wise investment decisions based on each customer’s individual circumstances. We strive to keep you focused on where you want to go, advise you how to get there and remind you of the importance of maintaining a disciplined approach to investing. No matter to the size of your investment, CFS will remain focused on your financial security and stability. 


CFS utilizes Investment Centers of America (ICA) as our broker-dealer.


Investment Centers of America, Inc. (ICA), member FINRA/SIPC and a Registered Investment Advisor, is not affiliated with Citizens National Bank or Citizens Financial Services. Securities, advisory services and insurance products offered through ICA and affiliated insurance agencies are *not insured by the FDIC or any other Federal Government agency, *not a deposit or other obligation of, or guaranteed by any bank or their affiliates *subject to risks including the possible loss of principal amount invested.



This site is for informational purposes only and is not intended to be a solicitation or offering of any security and:

• Representatives of a Registered Broker-Dealer ("BD") or Registered Investment Adviser ("IA") may only conduct business in a state if the representatives and the BD or IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, that state; or (b) are excluded or exempted from that state's registration requirements.

• Representatives of a BD or IA are deemed to conduct business in a state to the extent that they would provide individualized responses to investor inquiries that involve (a) effecting, or attempting to effect, transactions in securities; or (b) rendering personalized investment advice for compensation.


 We are registered to offer securities in the following states: California, Colorado, New Mexico, Oklahoma, and Texas