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Citizens Bancorp is the holding company for Citizens Bank, which offers traditional banking services through about a dozen branches in western Oregon. Its retail offerings include regular savings and checking accounts, money market and NOW accounts, CDs, IRAs, and home mortgages. The bank also offers safe-deposit boxes and online banking and bill payment. It is mainly a business lender, with commercial mortgages making up the largest portion of its loan portfolio. Loans to farmers for land, operations, and equipment are a growing part of Citizens Bank's business.