Videos

Customer Testimonials

Raising the Bar with Cheers & Gears

When Siobhan Marquardt decided to buy Cheers & Gears in Convoy, OH, last year, she turned to Citizens National Bank to help make it happen. Hear the story about how Siobhan’s dedication and hard work led her to be able to purchase the town’s beloved bar. Whether you’re thinking of starting your own business or just love a good success story, this one’s for you. Interested in financing your dream business? Visit cnbohio.com or stop by one of our offices to learn more! CNB Commercial Lenders: https://www.cnbohio.com/business/loans/lenders/ #businessloans #commercialloans #buyingabusiness #localbank #businessbank

Building A Dream: The Pentenburg's Path to Success

Discover how Tom and Elizabeth Pentenburg turned a setback into success with Citizens National Bank. After the 2008 recession, they took a bold step, purchasing their first Spherion staffing office. With determination and smart growth, they expanded to 14 locations across Indiana, Ohio, and Kentucky. Chad King, CNB Lima Branch President, provided the business banking support they needed to navigate challenges and scale their company. Today, Tom values CNB’s personal service and financial expertise, showing that the right banking partner makes all the difference.

Citizens National Bank helps Brown Supply Company streamline their cash flow as new business owners.

From Childhood Friends to Business Owners Brown Supply Company is a trusted business that has been supporting local schools, medical facilities, and commercial customers since 1955. Steve Golden and Mark Yingst made their lifelong dream of owning a business a reality when they purchased it this year. Both their fathers worked for the company as they grew up and they share a close bond. Following in their fathers’ footsteps, Golden and Yingst began working for Brown Supply themselves in the 1990’s. When the opportunity to purchase the business came, they worked with CNB Business Banking Officer, Cheryl Verhoff. Cheryl presented them with commercial loan and cash management options to make the transition easy. They utilize CNB’s checking and money market accounts to help streamline their overall cash flow as new owners. They also use online banking to easily manage their accounts on the go. “Citizens National Bank gives us all the offerings we need as a small business to handle our day-to-day operations, from the online banking to being able to walk into a local branch and still be greeted with a smile.” And with 1 year under their belts, they’re set up for a successful future. Citizens National Bank: www.cnbohio.com Brown Supply Company: brownsupply.com

M&J Agra Solutions: Creating Connections with CNB

Learn how Citizens National Bank helped Jamie Agler start his business, M&J Agra Solutions. He needed a facility for his ag seed, fertilizer, and lawn care product company. Citizens National Bank lender, Brent Kohn, introduced him to Joe and Brenda Gallaway, who had space available on an existing property. By working together, they were able to put together a commercial loan package and save Jamie money, utilizing a revolving loan program through the Van Wert Economic Development group. Jamie appreciates the financial advice he gets from CNB, as well as the ease of using mobile banking when he’s on the go.

Building for a Better Tomorrow. Bates Recycling

With plans to expand his business, Chris Bates of Bates Recycling turned to Matt Wood and Citizens National Bank. Improvements to an existing facility turned into the construction of an entire addition. Chris was able to utilize a construction loan, in addition to maintaining a line of credit that provides him the flexibility he needs to make purchases on short timeframes. See how Citizens National Bank supports his business and makes managing his finances easier. Bates Recycling: https://batesrecycling.com/ CNB Commercial Lending: https://www.cnbohio.com/business/loans/

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: https://www.cnbohio.com/personal/loans/ Contact a Lender: https://www.cnbohio.com/personal/loans/lenders/

What is the Ag Outlook for 2024?

The annual crop insurance policy will remain unchanged with the new farm bill being worked on. That means 2024 should be the year for you to focus on your farm and the team surrounding it. Your operations should aim to break even and increase yields, as 2024 will be a year of tight margins and more challenging conditions. To ensure that your farm thrives, it's crucial to have a trusted team around you. Make sure you know and trust your ag lender, insurance agent, seed dealer, and agronomist. With the current environmental challenges, this team can help you navigate the tight margins and reduce the risk of errors. Speaker: Jason Williamson, Williamson Crop Insurance Williamson Insurance: https://cropcoverage.com/ Citizens National Bank: www.cnbohio.com Citizens National Bank Ag Lenders: https://www.cnbohio.com/business/loans/ag-lenders/

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.

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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

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: https://www.cnbohio.com/commercial/services/ Dura Temp: https://www.duratemp.com/

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 - https://www.sistersbride.com/ Online for Business - https://www.cnbohio.com/commercial/services/online-for-business/ Merchant Services - https://www.cnbohio.com/commercial/services/merchant-services/

Beechmont Fitness

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

http://www.cnbohio.com 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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