Citizens National Bank (CNB) is a community-focused financial institution headquartered in Bluffton, Ohio. Founded in 1920, CNB offers a wide range of banking services for individuals, businesses, and agricultural clients, including personal and business checking and savings accounts, loans, mortgages, wealth management, and digital banking solutions. Committed to serving its local communities, CNB prides itself on personalized customer service and fostering economic growth in the regions it serves across Northwest and West Central Ohio. It operates under its parent holding company, Citizens National Bancorp, Inc.
Serves as the primary administrative and operational center for the bank, overseeing strategic direction, financial management, regulatory compliance, and support for its branch network.
The main office in Bluffton, complemented by its nearby Operations Center at 150 S. Main Street, represents a significant local financial institution. While not known for unique architectural marvels, its facilities are designed to be professional, accessible, and a cornerstone of the community.
The work culture at Citizens National Bank emphasizes community involvement, personalized customer service, integrity, and teamwork. It fosters a collaborative environment where employees, often local residents, are dedicated to supporting their neighbors and local businesses.
The Bluffton headquarters is significant as the founding location and central command of a long-standing community bank. It plays a vital role in the economic health and development of Northwest and West Central Ohio by providing essential financial services and community support.
As a community-focused bank serving Northwest and West Central Ohio, Citizens National Bank primarily operates within its regional footprint in the United States. It does not maintain physical international branches or a direct global operational presence. Its services are domestically focused, supporting local individuals, businesses, and agricultural enterprises. Customers can access certain international services, such as wire transfers or foreign currency exchange, through established correspondent banking relationships typical for a bank of its size.
102 S Main Street
Bluffton
Ohio
USA
Address: 1650 N. Eastown Rd., Lima, OH 45807
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As of April 2025, Citizens National Bank' leadership includes:
Citizens National Bank has been backed by several prominent investors over the years, including:
Based on publicly available information and recent press releases from Citizens National Bank and its parent company, Citizens National Bancorp, Inc. (CZNL), the core executive team (President/CEO, CFO, CBO, CAO, CCO) has remained stable over the past 12 months. No major widely publicized hires or departures at this top executive level have been noted. Changes that may have occurred would likely be internal promotions or at other management levels not typically announced broadly to the public.
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Citizens National Bank (Ohio) primarily uses the [first_initial][last]@cnbohio.com email format for its employees. This is a common and verifiable pattern for many corporations and financial institutions. For example, an employee named Jane Doe would likely have the email address jdoe@cnbohio.com.
[first_initial][last]@cnbohio.com
Format
jdoe@cnbohio.com
Example
75%
Success rate
cnbohio.com (Citizens National Bank Official Website) • February 13, 2024
Citizens National Bank announced that its CNB Shares program, fueled by customer debit card usage throughout 2023, resulted in donations exceeding $30,000 to various local non-profit organizations. This initiative highlights the bank's ongoing commitment to community reinvestment and support....more
GlobeNewswire • April 23, 2024
Citizens National Bancorp, Inc., the holding company for Citizens National Bank, released its financial results for the first quarter ending March 31, 2024. The company reported net income of $2.1 million, or $0.53 per diluted share, and noted achievements in stable loan growth and net interest margin management....more
GlobeNewswire • May 21, 2024
Citizens National Bancorp, Inc., the parent company of Citizens National Bank, announced that its Board of Directors declared a quarterly cash dividend of $0.29 per share on its common stock. The dividend is payable on June 14, 2024, to shareholders of record as of June 3, 2024....more
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