Chillicothe State Bank and State Bank of Missouri are members of the CS Bancshares, Inc., Holding Company family. Because CS Bancshares is an independently-owned holding company, we pass along a rich tradition of community banking and values to our banks. Our banks serve communities throughout the north-central Missouri area, including Alma, Chillicothe, Concordia, and Grain Valley. We all value our independence, and have a common goal that we share: Our mission is to be the leading financial services organization in the communities we serve by providing quality financial products and excellent customer service.