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CRA Public File

Updated: February 21, 2024

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 February 21, 2024.

Assessment Area Map and Demographics

Assessment Area (PDF) as of February 21, 2024.

Written Comments and Responses

Written Comments (PDF) as of February 21, 2024.

Performance Evaluation

Performance Evaluation (PDF) as of February 21, 2024.

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 ( HMDA data for many other financial institutions are also available at this website.

Disclosure Statements

2022 Disclosure Statement (PDF)

2021 Disclosure Statement (PDF)

CRA Public File