Business Loans, Home Mortgages & Personal Loans! Loans that are approved put dollars back into our own community! Reinvesting back into the communities we serve... that's the Citizens Bank of Florida difference! Member FDIC & Equal Housing Lender


Talk to Todd today.  He can handle your loan from start to finish with exceptional customer service!*

"It has been a pleasure working with Todd Cluxton and Citizens Bank of Florida since I began my banking relationship with them in 2011.  Todd has been instrumental to me as my personal friend and lender and has been very helpful with the success and growth of my businesses.  I appreciate the fact that he is just a phone call away and always easy to talk to.  You can count on Todd and Citizens Bank of Florida to meet your business needs"

James H. Hodges, Owner of Seminole Masonry & Park-4-Dayz Storage

  • Business Expansion
  • Real Estate Aquisition/Renovation
  • Construction
  • Equipment/Inventory Loans
  • Seasonal Lines of credit and more                                      


Todd Cluxton   407-267-0949 or

VP/Commercial Lender


*Subject to credit approval.  We're a Member of FDIC and an Equal Housing Lender