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Mortgage Questions Answered
Today's home buying market is very competitive and being pro-active with your financing has never been more important.

Keep on Truckin'
Having never stepped foot in a CNB branch, Jamey's businesses continue to grow and flourish with CNB assistance.

Wishful Banking
You don’t need a magic genie to make your banking wishes come true. Text alerts, CardValet and no-fee ATM usage are just some of our “Bank on the Go” conveniences. No wishing required!


Belief from The Beginning...
A unique business idea turned into a booming business for Mark Bayus of M&M RV Electronics.

Products & Services

Payroll Services
Enroll in Payroll Services to free up time for your employees to focus on other duties and alleviate the payroll stress and hassle from your schedule.

Mortgage Questions Answered
Mary Ann George explains the process of getting pre-approved, the benefits of working with a local community bank and the many options available for you as a buyer.

Personal payment service that makes it easy to pay anyone electronically.

App that lets you know how your debit and Credit cards are being used.

Positive Pay
Automated check fraud detection tool.

Online Business Banking
Online access to your Citizens National Bank business accounts.

Agricultural Loans
Steve Ritter explains Citizens National Bank's Ag Loan program.

The Benefits of a Business Credit Card
Ken Dysert explains how business credit cards could benefit your small business.

Mobile for Business App
Mobile banking app specifically for business customers.

Customer Testimonials

Customized Banking
Craig & Angie Brinkman of Creative Edge Cabinets, needed solid business advice and a banker they could trust. They found that with Al Saylor and Citizens National Bank.

A Business Built on Trust
Manufacturing and repairing hydraulic cylinders of all sizes, Rawson, Ohio-based DNC Hydraulics continues to prosper thanks to strong, trusting relationships with clients and Citizens National Bank.

Banking while Taking Flight
The personalized service and available online products, help Steve Buchenroth find the time to pursue all the things he loves.

Keep on Truckin'
Jamey Popp of MJM Express LLC and Gregg Drury, Springfield Office.

Brewing Up a Successful Business
Jack Waite of Tailspin Brewing Co and Chris Dippold, Celina Office.

Leaders in Technology
Greg Ebbing of Ebbing Dairy and Chris Dippold, Celina Office.

Belief from The Beginning...
Mark Bayus of M&M RV Electronics and Pat Ryan, Van Wert Office.

Put Your Business in Control of Check Fraud
Larry Webb of Webb Insurance and Cheryl Verhoff, Lima Office.

Banking That's Right on Target
Butch Kirk of International Tank Service and Ken Dysert, Lima Office.

Opening Doors to Financial Flexibility
Scott Olson of Olson Cold Storage and Brad Spitnale, Defiance Office.

Financing the Rodeo Dream
Denny & Debbie Kreischer of Hat Creek Arena and Brent Kohn, Van Wert Office.

The Ease of Expansion
Ron & Deb Wilker of Wilker Family Farms and Rod Stover, Celina Office.

Bringing Banking to You!
Jim Bolinger of Westwind Limousine and Rick Beverly, Findlay Office.

Driving Growth
Bob Estle of Bob Estle Chevrolet Cadillac and Jason LaBounty, Defiance Office.

At Your Service
Mike Kleman of ServiceMaster and Cheryl Verhoff, Lima Office.

Banking from Another View
Dr. Lance & Carol Bryant, and Rod Stover, Celina Office.

Providing Short and Long Term Financing Solutions
Mark White & Jon Bagley of Vancrest Management Corporation and Pat Ryan, Van Wert Office.

Shipping Around the Corner or Around the World
Bill Martin of International Logistics and Rick Beverly, Findlay Office.

Banking Anywhere
Paul Kett of Findlay Vinyl and Ty Shingledecker, Van Wert Office.

Farming Flexibility
Doug & Larry Dealey of Dealey Chemical and Dealey Farms.

Finding Success On and Off the Court
Kevin Homier of Homier & Sons Inc and Adam Fritz, Defiance Office.

On a Roll
George & Fred Wolber of Associated Plastics Co. and Norad Lanes and Cheryl Verhoff, Lima Office.

Supporting Growth
Dr. Phillip Havens of Ohio Orthopedics & Sports Medicine, Inc and Rick Beverly, Findlay Office.

Teamwork Makes the Dream Work
Al & Rob Welch of Welch Trophy and Al Saylor, Van Wert Office. 

Horsing Around
Lisa Niekamp-Urwin of Tomorrow's Technology Today, LLC and Chris Dippold, Celina Office.

Business & Ag Tips

2019 Economic Forecast
Bob Morgan, economist with ProBank Austin, shares his insight as to where we’re headed in 2019.

2018 Economic Forecast
Bob Morgan of Austin Associates, predicts 2018 will be the best year of economic growth since the Great Recession of 2008-09.

Protecting Your Computer Network
Travis Greenwood of Back to Business IT explains how hackers are looking for companies that unknowingly don't have tight technology security.

Setting Up a Computer Network
Travis Greenwood of Back to Business IT shares what steps business owners should consider when establishing or updating technology and planning for the future

Elements and Resources for Starting a Small Business
Dan Sheaffer of the Small Business Resource Center in Findlay, offers his insight on what it takes to launch a new business successfully.

Connecting the Dots: Resources for Small Business
Jared Ebbing, Mercer County Community/Economic Director, shared his insights on tapping into local resources, keeping up with ever-changing state and federal government regulations and helping your business to grow.

Making Your Message Stick
Ellen Dunnigan of Accent on Business outlines some key factors in grabbing your audience's attention and getting them to remember what you said.

Creating Positive Change in Your Organization
Eric Kurjan of Six Disciplines explains how an organization must first recognize it is missing objectives and goals and then analyze, define and prioritize the areas of focus.

Mapping Your Financial Future - Developing a Road Map for Your Future
Debbie Boisselle of Citizens Wealth Management Group shares her insight on things to consider when planning for a family, new home, college, aging parents and retirement.

Small Business Technology
Andy Knippen, CNB's head of IT, explains products including merchant capture, online for business and  Messenger that allow clients to access accounts from anywhere.

Succession Planning
Steve Romey of Romey and Vandemark Attorneys at law, explains some of the factors to consider when easing into retirement or considering passing the business along to a family member.

Preventing Identity Theft
Jason LaBounty, Defiance Office, talks about steps businesses can take to protect themselves from identity theft.

Building on the Positives
Bruce Boguski of the Winner's Edge explains why "what if" thinking never works.

Retirement Planning
Edward Maher of Citizens Wealth Management Group, gives advice on how to plan for retirement by investing in options like a 401k plan or IRA.

Best Practices for Accepting Cash and Check Payments
Amy Evans-Yochum, CNB Treasury Management, discusses best practices for businesses accepting cash and check payments.

Determining Your Business Type
Steve Keister, Attorney, breaks down different options available when starting a small business and the legal ramifications associated with sole proprietorship, partnerships, LLC's and corporations.

Tips for a Healthier You
America's Fun Fitness Coach Jim Steffen gives tips for a healthier lifestyle for you and your employees.

Tax Tips for Small Businesses
Melissa Young, CPA for M.A. Hoops & Associates, gives tax tips for small business owners.

LinkedIn in the Business World
Account Executive Len Ferrara explains how the social networking tool LinkedIn is designed to help the business world.



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