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

CardValet
An app that lets you know how your debit card is being used.

Banking That's Right on Target
Butch Kirk of International Tank Service relies on the CNB products such as direct deposit and corporate credit cards to allow his traveling employees access their funds and to pay for business expenses.

Popmoney
A personal payment services that makes it easy to pay anyone electronically.

Products & Services

Mortgage Questions Answered
Citizen National Bank's 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.

Popmoney

A personal payment services that makes it easy to pay anyone electronically.

CardValet
An app that lets you know how your debit card is being used.


Positive Pay
Automated fraud detection tool.


Online Business Banking
Internet-based programs that provide online access to your Citizens National Bank accounts.


Agricultural Loans
CNB is one of the largest agricultural lenders in the local area. We are a preferred provider for the Farm Services Agency and offer many loan programs through the FSA guaranteed loan programs.


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


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

Customer Testimonials

Leaders in Technology
With the help of Citizens National Bank and business development officer Chris Dippold, Greg quickly secured a loan to install robotic milkers. The new technology has allowed Greg to decrease labor and increase profitability on his farm.

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


Put Your Business in Control of Check Fraud
See why Larry Webb of Webb Insurance in Lima chose the Positive Pay program and the peace of mind he has knowing safeguards are in place to protect his business.


Banking That's Right on Target
Since Butch Kirk of International Tank Service in Lima has employees that are constantly on the move, he relies on the CNB products such as direct deposit and corporate credit cards to allow them to access their funds and pay for business expenses.


Opening Doors to Financial Flexibility
Keeping up with changing times is important to Olson Cold Storage, which operates a 125,000 square foot dry, cooler and freezer storage facility in Defiance.


Financing the Rodeo Dream
With the help of Citizens National Bank, Hat Creek Arena has been able to expand its business as well as begin to purchase rodeo bulls and continue to live out their dream.


The Ease of Expansion
A combination of thorough preparation of information and a long-term relationship with their banker, Rod Stover, allowed Ron & Deb Wilker to get approval for a loan to expand their egg-laying farm in less than two weeks.


Bringing Banking to You!
Jim Bolinger of Westwind Limousine and CNB's Rick Beverly may not have the typical banker-client relationship, but Jim has come to rely on Rick's expertise and friendship over the last several decades.


Lending Solutions for Farming Success
Citizens National Bank has been able to help Tony Gill of Gill Dairy fulfill his dreams with its unique expertise and history in working with agricultural customers.


Driving Growth
Bob Estle of Bob Estle Chevrolet Cadillac saw his dream and pursued it. His growth is due in part to a line of credit he established through Citizens National Bank and the help of his lender, Jason LaBounty.


At Your Service
ServiceMaster owner Mike Kleman relies on the long-term relationship he has built with Citizens National Bank and his lender Cheryl Verhoff to grow his business.


Banking from Another View
The Bryants have a long-standing relationship with their banker Rod Stover and have relied on Rod's expertise to help them secure home and plane loans as well as assist with other personal banking needs.


Providing Short and Long Term Financing Solutions
Vancrest Health Care Centers are in the "people" business. They rely on quality, hard-working people and on their relationship with Citizens National Bank's Pat Ryan to help grow their business.


Shipping Around the Corner or Around the World
Bill Martin of International Logistics company relies on the relationships he has built with his banker, Rick Beverly, and the teamwork involved to help Willmar International purchase land, develop it and build a new office and warehouse facility in North Baltimore.


Banking Anywhere
Paul Kett depends on flexibility and teamwork to make his business and personal life manageable. Kett loves Citizen National Bank's online products that let him manage his finances on the road traveling for business or on the ice having fun.


Farming Flexibility
Doug Dealey is owner of Dealey Chemicals in Convoy relies on Citizens National Bank's knowledge of agriculture and flexibility with loan and line of credit products to keep up with the seasonal demands of business.


Finding Success On and Off the Court
Kevin Homier, manager at Homier & Sons Inc and varsity basketball coach at Continental High School, talks about how his relationship with Citizens National Bank helps him manage his busy lifestyle.


On a Roll
The Wolber family, owners of Associated Plastics and Norada Lanes in Ada, OH, talk about the value of their relationship with Citizens National Bank and officer Cheryl Verhoff.


Supporting Growth
Dr. Phillip Havens puts his love of architecture to good use in both his orthopedic practice and real estate development company and talks about how Citizens National Bank helped to make his businesses a reality.


Teamwork Makes the Dream Work
Al and Rob Welch from Welch Trophy in Van Wert, Ohio talk about their passion for sports and their relationship with Citizens National Bank.


Horsing Around
Lisa Niekamp-Urwin is not only the owner of a small business, but also a busy mom. Lisa knows the web-based security she demands to bank online is in place with Citizens National Bank.

Business & Ag Tips

Protecting Your Computer Network
Travis Greenwood of Back to Business IT explains how hackers are not necessarily targeting certain businesses, but looking for companies that unknowingly don't have as tight of technology security as they may think.


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, Coordinator of the Small Business Resource Center in Findlay, offers his insight into the many facets of 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
Communications specialist Ellen Dunnigan outlines some of the key factors in grabbing your audience's attention and getting them to remember what you said.


Providing Short and Long Term Financing Solutions
Vancrest Health Care Centers are in the "people" business. They rely on quality, hard-working people and on their relationship with Citizens National Bank's Pat Ryan to help grow their business.


Creating Positive Change in Your Organization
Six Disciplines President & Owner Eric Kurjan explains 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 shares her insight on things to consider when planning for a family, new home, college, aging parents and retirement.


Small Business Technology
CNB’s Andy Knippen, knows business owners face many challenges with time and resources. CNB's products including merchant capture, online for business and CNB Messenger allow our clients to access accounts from anywhere through devices such as an iPad or smartphone.


Succession Planning
Attorney Steve Romey 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, V.P. Commercial Lender at Citizens National Bank, talks about steps businesses can take to protect themselves from identity theft.


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


Retirement Planning
Certified Financial Planner Edward Maher 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, AVP/Treasury Management for Citizens National Bank, discusses best practices for businesses accepting cash and check payments.


Determining Your Business Type
Attorney Steve Keister breaks down the 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.


Mortgage Questions Answered!
Account Executive Len Ferrara explains how the social networking tool LinkedIn is designed to help the business world.

 

2017 Crop Insurance Update
(Part 1)    (Part 2)
Jason Williamson of Williamson Insurance Agency provides an overview of what farmers should consider when deciding which type of crop insurance policy is best for their needs.


2016 Challenges & Opportunity - Williamson Insurance
Citizens National Bank and Williamson Insurance co-hosted a seminar for Ag clients. Jason Williamson gave updates on crop insurance changes and new programs available in 2016.


Agricultural Loans
CNB is one of the largest agricultural lenders in the local area. We are a preferred provider for the Farm Services Agency and offer many loan programs through the FSA guaranteed loan programs.

 

2017 Economic Forecast - What is the Direction of the US Economy?
Economist Bob Morgan is optimistic the nation and Northwest Ohio will continue to see steady economic growth in 2017.


2016 Economic Forecast Presentation

Bob Morgan from Austin & Associates presented his economic forecast for 2016.


Economic Forecast 2016
Economist Bob Morgan from Austin & Associates presented his economic forecast for the 2016 year.


More Information

To learn more about our products and services, call:


1-800-262-4663

Mon - Fri: 8:30 AM - 5:00 PM EST

 

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