"The people of West Central Ohio have been very loyal to our bank through the years. As we have grown and added services, more individuals and businesses have also come to appreciate the advantages our personal attention provides. I continue to believe that we are on the leading edge of banking technology in our region, and that means better service and greater access for our customers."

-Eric Faulkner, President


On January 31, 1920, the Citizens National Bank opened its doors for the first time in Bluffton, Ohio, and offered all new customers an apple in appreciation for stopping by. A review of the books from 1920 indicates that the bank began with $50,000 in capital and approximately four employees.

We have expanded our offices to Celina, Defiance, Elida, Findlay, Lima, Springfield, Toledo and Van Wert. We currently employ about 160 people and serve customers in eleven primary counties: Allen, Hancock, Putnam, Hardin, Auglaize, Mercer, Van Wert, Paulding, Clark, Defiance and Lucas.


Citizens National Bank produced another record year in 2021. We participated in the second round of the Paycheck Protection Program, which provided needed loans to businesses as they tried to maintain employment and operations this year. In fact, we closed more than $45 million worth of loans for local businesses. Likewise, many new and existing customers took advantage of the historically low home loan rates and were able to purchase, or refinance a home in 2021. 

We continue to look for ways to make banking easier and safe for our customers. In 2021 we introduced several new fraud detection systems including instant text messaging to cardholders at the point-of-sale and AI to recognize fraudulent spending patterns. We also launched online account openings for Health Savings Accounts, Goal-Based Savings Account and Go Anywhere and Free Checking Accounts through our website.

As a community bank, we are focused on supporting local businesses and non-profits. Our employees volunteer their time throughout the year to many organizations, including the United Way and the Salvation Army, as well as many boards.

The size of our bank continues to grow, and we look forward to welcoming more staff into our organization to grow with us!


Citizens National Bank is consistently rated high for performance and stability. We currently have an A+ rating by DepositAccounts.com and a 5 Star Rating from Bauer Financial.

Special History

Citizens has a unique notoriety as being one of the banks that John Dillinger robbed in 1933. History has it that on August 14, 1933, John Dillinger and his gang came to Bluffton, stole $6,000 from The Citizens National Bank, and exited the bank, guns blazing (amazingly no one was injured) as they made their escape to the north.

In October of that year, John Dillinger was brought back to Ohio and held in the Lima jail (12 miles south of Bluffton) to stand trial for the Bluffton bank robbery. On October 12, Dillinger's "gang" came into the jail claiming they were officers from Indiana and they were taking Dillinger back to stand trial there. When Sheriff Jesse Sarber asked for their credentials, they opened fire on Sarber, killing him and breaking Dillinger out of jail.

Dillinger was one of the most publicized criminals of the 20th Century. On July 22, 1934, however, Dillinger was brought down by "The Lady in Red" when he was killed by federal agents and police as he left a Chicago movie house.

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