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Citizens National Bank's Overview

Total employees496
HeadquartersBluffton
Founded1920

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.

Where is Citizens National Bank's Headquarters?

HQ Function

Serves as the primary administrative and operational center for the bank, overseeing strategic direction, financial management, regulatory compliance, and support for its branch network.

Notable Features:

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.

Work Culture:

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.

HQ Significance:

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.

Values Reflected in HQ: The headquarters' operations and presence reflect core banking values such as stability, community trust, financial prudence, customer-centric service, technological adoption for efficiency, and a commitment to local development.

Location:

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.

Street Address:

102 S Main Street

City:

Bluffton

State/Province:

Ohio

Country:

USA

Citizens National Bank's Global Presence

Lima, Ohio, USA

Address: 1650 N. Eastown Rd., Lima, OH 45807

Serves the diverse banking needs of individuals, families, and businesses in Lima and surrounding Allen County, contributing to local economic activity and financial well-being by providing accessible financial products and local decision-making.

Findlay, Ohio, USA

Address: 1870 Tiffin Ave., Findlay, OH 45840

Supports the financial health of the Findlay community and Hancock County by offering accessible, locally-focused banking solutions and expert financial guidance tailored to the regional economy.

Van Wert, Ohio, USA

Address: 1199 S. Shannon St., Van Wert, OH 45891

Caters to the specific financial requirements of Van Wert County residents and businesses, with a strong understanding of the local economy, including its significant agricultural sector, providing specialized lending and deposit services.

Celina, Ohio, USA

Address: 1010 W. Bank Rd., Celina, OH 45822

Supports the economic vitality of Celina and Mercer County, known for its strong agricultural base and local businesses, by providing tailored financial solutions and community support.

Buying Intent Signals for Citizens National Bank

Highperformr Signals uncover buying intent and give you clear insights to target the right accounts at the right time — helping your sales, marketing, and GTM teams close more deals, faster.

Notable news
Hiring actively
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
*Example signal, not calculated in real time

Executive Team of Citizens National Bank

As of April 2025, Citizens National Bank' leadership includes:

J. Michael Romey - President & Chief Executive Officer
Sarah A. Kern - Executive Vice President, Chief Financial Officer
Eric Faulkner - Executive Vice President, Chief Banking Officer
Susan E. Lehman - Executive Vice President, Chief Administrative Officer
Dustin F. Gerschutz - Executive Vice President, Chief Credit Officer

Investors of Citizens National Bank

Citizens National Bank has been backed by several prominent investors over the years, including:

Citizens National Bank is a wholly-owned subsidiary of Citizens National Bancorp, Inc. (NASDAQ: CZNL). As a publicly traded company, its shares are owned by a variety of institutional and individual investors. Key institutional investors in the parent company historically include:
Banc Funds Co., L.L.C.
The Vanguard Group, Inc.
Geode Capital Management, LLC
Grace & White, Inc.
Dimensional Fund Advisors LP
Renaissance Technologies LLC

Executive New Hires/Exits in the Last 12 Months

Hire0
Exits0

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.

Technology (Tech Stack) used by Citizens National Bank

Discover the tools Citizens National Bank uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.

Citizens National Bank Email Formats and Examples

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

News and media

cnbohio.com (Citizens National Bank Official Website)February 13, 2024

Citizens National Bank's CNB Shares Program Donates Over $30,000 to Local Non-profits

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

GlobeNewswireApril 23, 2024

Citizens National Bancorp, Inc. (Parent of Citizens National Bank) Reports First Quarter 2024 Financial Results

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

GlobeNewswireMay 21, 2024

Citizens National Bancorp, Inc. Announces Quarterly Dividend

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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