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Economic Forecast 2014

Bob Morgan
Robert J. Morgan,
Senior Consultant,
Austin Associates, LLC

Bob Morgan, Economist with Austin Associates, LLC

"2014 is a pivotal year for the US economy," states economist Bob Morgan with Austin Associates. Mr. Morgan works with Citizens National Bank on an ongoing basis to advise the bank of economic trends and considerations moving forward. He recently shared his opinion about he sees the economy shaping up this year.






Message from the President

Mike Romey
J. Michael Romey, President/CEO

Every January I like to consider how the banking industry has changed and take stock of our bank's position. With all the attention that the large banks receive it is good to be reminded that community banks still make up 97% of all banks in this country numbering approximately 7,000 banks with more than 50,000 locations. Of all banks, more than 90% are small banks with assets under $1 billion; 31% of those have assets under $100 million. With total assets of $650 million Citizens falls right in line with these numbers.




NEW Products for Business Customers

small business woman

Elite Checking and Small Business Online for Business Package Now Available

Citizens National Bank is excited to announce new offerings for our business customers: Elite Checking, a personal checking account with special perks for business owners and a Small Business Package of Online for Business.


CNB keeps on growing!

Defiance construction

Defiance Office to open Spring 2014. Loan production office now open in Toledo!

As a strong community bank, we continually look for opportunities to reach more customers and offer our services to more businesses.



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