CRA Public File
Updated: March 31, 2026
Community Reinvestment Act (CRA) rules and regulations require Citizens National Bank to make available a Public File composed of the content posted below. All content is made current as of April 1 each year. Please contact us through our secure contact form should you have any questions.
Branch Listings and Hours of Operation
Branch listings (PDF) as of August 22, 2025.
Assessment Area Map and Demographics
Assessment Area (PDF) as of March 17, 2025.
Written Comments and Responses
Written Comments (PDF) as of March 17, 2025.
Performance Evaluation
Performance Evaluation (PDF) as of September 5, 2023.
HMDA Disclosure Statements
Home Disclosure Act Notice: The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this website.
Disclosure Statements
2024 Disclosure Statement (PDF)
2023 Disclosure Statement (PDF)