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Customer Testimonials

Continuing a Legacy with CNB

Brandon and Danielle Reynolds, owners of Legacy Marble and Granite in Findlay, OH, purchased the business from Brandon's father. They purchase stone from all around the world and need a bank to allow them to make the purchases with ease. They work with Matt Wood and Susan Bunn, CNB Findlay, to help keep their family business going strong.

Putting Down Roots with the Help of CNB

Hannah McKee had a great job in corporate America, but always had hopes of putting down roots in a small town and owning her own business. When Flower & Plant Barn in St. Marys, OH was for sale, she worked with Andy Rosenbeck, CNB Celina, to work through the details to realize her dream.

Todd Farms & Excavating

Mike Todd is a self-made man. Over the last 30 years, he has grown Todd Farms & Excavating in Cecil, Ohio, from its start with just a couple pieces of equipment to today's business operation that handles excavation work for large housing and retail projects. The growth was accomplished with help from Citizens National Bank, where the Todd's turn for all their banking needs, including those associated with their 1,700 acre farming business. Mike likes knowing that he and CNB are a team and that he will receive personalized service whenever needed. Commercial Lending: Commercial Lenders:

Helping A New Homebuyer

Grant money from the Welcome Home program helped Van Wert native and full-time college student Delaney purchase her first home. CNB Lender Mitch Price NMLS# 2296958 made the process easy and stress-free for Delaney. After pre-approval, Delaney completed the grant application process online. Being a full-time student with a full-time job, she appreciated being able to complete the application when it was convenient for her. The Welcome Home Program offers up to $10,000 in grant money to assist with reasonable down payments and closing costs incurred with purchasing a new home by low and moderate-income homebuyers. This federal government program, offered through the Federal Home Loan Bank of Cincinnati, is available periodically. Funds are limited. CNB Mortgage: Lenders: Equal Housing Lender | NMLS #439892

Vancrest Health Care Center

What began as a passion for serving the older population after WWII, has turned into the ability to care for hundreds of seniors throughout Ohio at Vancrest Health Care Centers. Mark White, owner, continues to grow the legacy his grandfather and father began through their work with geriatric patients in Van Wert, Ohio. Now with 11 locations and more than 1500 employees, White relies on Citizens National Bank to help him continue to grow and improve facilities, such as the one in Holgate, OH. View his video to see the story. Health Savings Accounts: SBA Loans: Citizens National Bank: Pat Ryan: Van Crest Health Care Centers:

Todd Farms & Excavating

Mike Todd is a self-made man. Over the last 30 years, he has grown Todd Farms & Excavating in Cecil, Ohio, from its start with just a couple pieces of equipment to today's business operation that handles excavation work for large housing and retail projects. The growth was accomplished with help from Citizens National Bank, where the Todd's turn for all their banking needs, including those associated with their 1,700 acre farming business. Mike likes knowing that he and CNB are a team and that he will receive personalized service whenever needed.

Rightway Foods and Powell Company

When Ron Williams had the chance to purchase Rightway Foods and the Powell Company, which was started by his grandfather in the 1930s, he didn't hesitate to bring it back to the family. With the help of Citizens National Bank's Chad King, Ron was able to simply and easily transition all the banking accounts to CNB. By utilizing business products like merchant capture and ACH, Rightway Foods and the Powell Company can make deposits and collect payments with ease while continuing to grow the business that delivers food and janitorial products throughout several states. “The way Citizens National Bank was able to put together the financing package for us allowed me to be able to purchase these businesses and keep them in the Lima community. We’re really happy we were able to do that with a community bank.” - Ron Williams

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Grand Lake Dentistry: Dr. Travis Lutz

Dr. Travis Lutz of Grand Lake Family Dentistry was happy to begin his career in his hometown. Now, almost 2 decades later he owns three busy practices in the St. Marys area and he credits his banker, Chris Dippold and Citizens National Bank with helping him grow every step of the way. From business expansion, equipment purchases and construction to services such as online banking and employee direct deposit, Travis trusts CNB to make banking easy so he can focus on putting smiles on his patients’ faces. Grand Lake Family Dentistry: CNB Commercial Banking: CNB Lenders:

Home Improvement Financing – Easy and Quick

Planning on completing a few home improvement projects, Amie Ham contacted Citizens National Bank about financing. When she realized she also needed a new roof, her lender Julie Harris, worked with her to determine the best way to pay for everything she needed through a cash-out refinance. Check out Amie’s story and how Citizens National Bank’s mortgage team was able to make her home dreams come true. Learn more about Citizens National Bank's Mortgage Lending: Contact a Lender:

Rettig Furniture

Family-owned Rettig Furniture & Mattress has continued to thrive as a brick-and-mortar business in Findlay for more than 40 years. After being a victim of check fraud, Tony Rettig has found Citizens National Bank’s Positive Pay program gives him peace of mind by monitoring daily activity for unauthorized check transactions. This protection allows him to focus on what he loves, helping furnish people’s homes with quality furniture. Positive Pay: Rettig Furniture:

7th St. Deli

Operating and expanding 7th St. Deli in Spencerville is a more than full-time job for owner Brittney Wienken. Citizen's National Bank's payroll services program helps ease the workload and in combination with online business banking makes Brittney's hectic life a little less stressful. Brittney has passion for her small home town and for residents to shop local. With the help of CNB's Steve Ritter, she's been able to expand the deli menu and add a drive-thru while utilizing CNB services to assist with day-to-day financial needs. 7th St. Deli: CNB Payroll Service: CNB Lenders:

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Take a Look at Feasel's Garden Center

Feasel's Garden Center is growing in more ways than one! While the garden center has been the staple of the business, owners Greg and Joyce Feasel have expanded the business and are now stocking craft beers, wines, Amish food items, a wide selection of concrete items and more. The Feasels choose to bank with Citizens National Bank and appreciate working with a smaller, local bank for the personal attention and financial advice they receive. The thriving relationship also led to the Feasels to easily switch all their personal banking to CNB. Feasel's Garden Center: CNB Lenders:

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Let Us Introduce You to Dura Temp

You probably drink from a glass every day, but did you ever wonder about how it’s manufactured? Dura Temp provides a range of products that aid in the manufacturing of glass in more than 40 countries worldwide. Since 70% of their business is international, they rely on Citizens National Bank to make payments to and from the companies they work with easy. View their story to learn more about how CNB is building businesses one relationship at a time. Business Services: Dura Temp:

Fulfilling Dreams

Jenna Dailey realized her dream and is now helping future brides make their dreams come true when visiting her store, Sisters Bridal Boutique in Van Wert. With a love for bridal fashion, Jenna moved to Ohio and seized the opportunity to purchase the boutique after working there for a year. With the help of her banker Pat Ryan, Jenna secured a loan to purchase the business and uses CNB's online business products and credit card services to manage her day to day finances. Sisters Bridal Boutique - Online for Business - Merchant Services -

Beechmont Fitness

Beechmont Racquet and Fitness owner, Lance Atkins, talks about his relationship with Citizens National Bank and the outstanding service he received during the Paycheck Protection Program (PPP) loan process. Beechmont Racquet and Fitness:  #PPPOhio #BankingOnOhio

A Business that Cares

When Kathy Kahle took a part-time job at The Ritz in Lima, she had no idea she would one day own the business. However, working with those dealing with breast cancer changed her life. When the opportunity arose for Kathy to purchase the business, she went to CNB's Steve Ritter for guidance. Working with Steve, Kathy was able to establish a plan to purchase the retail store and secure a loan. Kathy relies on CNB's online for business products and credit card services to help her with the day-to-day operations. The Ritz - Online for Business - Merchant Services -

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Building a Successful Banking Relationship

Life-long acquaintances, Toledo attorney Jim White and CNB Toledo Market President Nelson Shaffer have now built a successful business relationship. Specializing in real estate and business law and estate planning, Jim also develops and builds office buildings. Utilizing Nelson's financial expertise and CNB 's products, the two have partnered on many projects throughout the years. Jim has been impressed with CNB's hands-on and responsive service and enjoys the convenience of products such as merchant capture and online banking. Online Banking - Merchant Capture -

Customized Banking

When considering a life-changing career move, Craig Brinkman needed solid business advice and a banker with which he felt comfortable. He found that with Al Saylor and Citizens National Bank. Craig decided to pursue his passion for woodworking and purchased Creative Edge Cabinets in Ottoville. Craig appreciates Al’s expertise and thoroughness when it comes to advice and decision-making. CNB’s online banking allows the Brinkmans flexibility and ease to fit their busy life. Creative Edge Cabinets: Online for Business:

Making Dreams a Reality

Dairy farmer Ted VanRaay's American dream becomes reality with the help of Citizens National Bank. Growing up in the Netherlands and farming with his parents, Ted VanRaay dreamed of coming to America and owning his own dairy farm. He’s successfully achieved that dream and continues to grow his business with the help of Citizens National Bank. He works with Cindy Westfall who has years of experience in dealing with dairy farms and understands the importance of creating loan packages that fit the need of the customer.

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Banking While Taking Flight

Steve Buchenroth has many interests--he’s a pilot, flying instructor, business owner, farmer and more. After working with Rick Beverly on the purchase of several airplanes, it was an easy decision to choose Citizens National Bank and Rick to help with financing at World Class Plastics as well. The personalized service and available online products, help Steve find the time to pursue all the things he loves. Online for Business: Mobile for Business: Word Class Plastics:

Keep on Truckin'

As the owner of three small businesses, Jamey Popp doesn't have a lot of spare time on his hands. By cultivating a business banking relationship with Citizen National Bank's Gregg Drury and utilizing CNB's mobile and online banking products, Jamey doesn't have to spend time driving to the nearest branch 50 miles away. Having never stepped foot in a CNB branch, Jamey's businesses continue to grow and flourish with CNB assistance. Online for Business: Mobile for Business: MJM Express LLC:

Brewing Up A Successful Business

Featuring Jack Waite, Tailspin Brewing Co. As a former Air Force Colonel (Jack) and Lt. Colonel (Teresa), the Waites are used to setting goals and achieving them. When they set their minds on opening a local brewery in Coldwater, Ohio, they partnered with Chris Dippold and Citizens National Bank to help them navigate the creation of a business plan and finance their dream.

Leaders in Technology

When Greg Ebbing took over his family's dairy business, he knew modernization and technology would be key to his success. 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. He credits Citizens National Bank and his banker Pat Ryan for making his dream a reality. "He believed in me from the beginning. He shared my dream and that's how I got to be where I'm at now."

Put Your Business in Control of Check Fraud

If your business writes checks, you're at risk for check fraud. Citizens National Bank's Positive Pay program can help protect you from the potential loss of funds from this growing problem. This online tool is easy to use, requiring just minutes a day to set parameters for checks processing through the business account. Watch this video to 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

Butch Kirk of International Tank Service in Lima has a long-standing relationship with Citizens National Bank. Since his employees are constantly on the move building tanks across the country, he relies on the bank to provide products such as direct deposit and corporate credit cards to allow them to access their funds and pay for business expenses. An avid outdoorsman and hunter, Butch is often traveling for his next outdoor adventure. He knows he can easily keep tabs on his business through business online banking and his banker, Ken Dysert, is just a phone call away.

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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. Life-time farmers, the Wilkers have worked with Rod and Citizens National Bank for years and relied on that relationship as they built a new barn to house 252,000 birds and expand their family business.

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Driving Growth

Bob Estle saw his dream and pursued it. Seven years ago, after spending many years working in automobile dealerships, Bob got the chance to purchase a dealership in Defiance. Since that time, Bob Estle Chevrolet Cadillac has tripled its sales and inventory. 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. Bob continues to pursue his dream as he has acquired a dealership in Bryan and is finalizing the purchase of another one in Hamler.

At Your Service

Video story featuring Mike Kleman, Owner, ServiceMaster - Lima 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. Having banked with CNB and Cheryl since purchasing the business in 1998, Mike values Cheryl's ability to help plan a vision for growth and work as a partner with ServiceMaster and its unique needs. The Klemans utilize merchant capture, lines of credit and online banking services. As new "empty nesters", online banking allows them the flexibility to travel and visit their children, all the while staying on top of their financial needs.

Banking from Another View

With a fascination for air travel, becoming a pilot was a natural fit for Dr. Lance Bryant of St. Mary's. Lance puts his piloting skills to good use and often flies with his wife, Carol, to their Tennessee vacation home. 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. Online banking allows the Bryants to manage their accounts from wherever their plane takes them.

Providing Short and Long Term Financing Solutions

Featuring - Mark White, President and Jon Bagley, VP of Operations of Vancrest Management Corporation Vancrest Health Care Centers are in the "people" business. They rely on quality, hard-working people to provide loving assistance at their health care centers scattered throughout rural Ohio. Vancrest executives also rely on their relationship with Citizens National Bank's Pat Ryan to help grow their business. CNB has been a part of several short and long-term loan projects, including an award-winning facility in Holgate. Vancrest also utilizes CNB's Health Savings Account program for its more than 1,700 employees.

Shipping Around the Corner or Around the World

As the owner of an international logistics company, Bill Martin relies on the relationships he has built across the country with various transportation groups to make his business run effectively. Just as important is the relationship he has developed 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. Exporting and importing goods internationally and handling domestic deliveries, Bill relies on CNB's online banking services, merchant capture and international wire service to keep day-to-day operations running smoothly.

Banking Anywhere With an inherent love for hockey, Canadian and Findlay businessman Paul Kett depends on flexibility and teamwork to make his business and personal life manageable. Kett loves to spend time on the ice coaching his daughter and Citizen National Bank's online products let him manage his finances on the road traveling for business or on the ice having fun. For him, it's a winning solution.

Farming Flexibility

Agriculture has been a way of life for the Dealey family for many generations. The family has a large, successful farming operation and Doug Dealey is owner of Dealey Chemicals in Convoy. Both operations rely 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 both businesses.

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.

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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

St. Henry business owner Lisa Niekamp-Urwin is not only the owner of a small business, but also a busy mom who has taken her love for showing quarterhorses to a national competition level. With the demands on Lisa's schedule, she relies on the fact she can complete her banking transactions such as payroll and deposits from her office. More importantly, as a technology-based business, Lisa knows the web-based security she demands to bank online is in place with Citizens National Bank.

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