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Overview / Commentary
102 South Main Street
Bluffton, OH 45817

Citizens National Bank (OH) is headquartered in Bluffton and is the 28th largest bank in the state of Ohio. It is also the 941st largest bank in the nation. It was established in 1920 and as of December of 2017, it had grown to 162 employees at 11 locations. Citizens National Bank (OH) has an A health rating.


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Health Grade Components

FDIC Certificate #6531
Year Established1920
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.89%
Return on Equity - YTD20.49%
Annual Interest Income$34.7MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$816.7MM$785.6MM
LoansQ4 2017vs Q4 2016$662.8MM$614.2MM
DepositsQ4 2017vs Q4 2016$547.2MM$527.7MM
Equity CapitalQ4 2017vs Q4 2016$77.0MM$71.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$9.3MM$8.8MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$6.5MM$2.4MM
Real Estate OwnedQ4 2017vs Q4 2016$967.00K$1.1MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens National Bank (OH) Savings Account Rates

0.05%*$100k*-Savings Account
OTHER TIERS: 0.01% $250 - $25k | 0.03% $25k - $100k
0.05%*$100k*-Business Savings Account
OTHER TIERS: 0.01% $250 - $25k | 0.03% $25k - $100k

Citizens National Bank (OH) Money Market Rates

0.07%*$100k*-Prime Pick Money Market Account
OTHER TIERS: 0.03% $5k - $50k | 0.05% $50k - $100k
0.07%*$100k*-Business Prime Pick Money Market Account
OTHER TIERS: 0.03% $5k - $50k | 0.05% $50k - $100k

Citizens National Bank (OH) Checking Account Rates

1.75%*$100k*-Elite Checking
OTHER TIERS: 1.50% $2,500 - $25k | 1.65% $25k - $100k
0.03%*$25k*-Optima Checking
OTHER TIERS: 0.01% $2,500 - $25k
0.03%*$25k*-Performance Checking
OTHER TIERS: 0.01% $2,500 - $25k
0.03%*$25k*-Select Checking
OTHER TIERS: 0.01% $2,500 - $25k

Citizens National Bank (OH) CD Rates

2.02%$500-60 Month CD
2.02%$500-Business 60 Month CD
1.11%$500-36 Month CD
1.11%$500-Business 36 Month CD
1.00%$500-30 Month CD
1.00%$500-Business 30 Month CD
0.70%$500-24 Month CD
0.70%$500-Business 24 Month CD
0.60%$500-18 Month CD
0.60%$500-Business 18 Month CD
0.50%$500-12 Month CD
0.50%$500-Business 12 Month CD
0.30%$500-7 Month CD
0.30%$500-Business 7 Month CD
0.25%$500-182 Day CD
0.25%$500-Business 182 Day CD
0.10%$500-91 Day CD
0.10%$500-Business 91 Day CD

Citizens National Bank (OH) IRA Rates

2.02%--60 Month Fixed IRA

Cities: Bluffton, Celina, Defiance, Elida, Findlay, Lima, Springfield, Van Wert

Bluffton Branches
The Citizens National Bank Of Bluffton102 South Main StreetBluffton, OH 45817
South Main Street Branch138 South Main StreetBluffton, OH 45817

Celina Branches
Celina Branch601 Grand Lake RoadCelina, OH 45822

Defiance Branches
Defiance Branch601 E Second StreetDefiance, OH 43512

Elida Branches
Elida Branch305 Kiracofe StreetElida, OH 45807

Findlay Branches
Findlay Branch1995 Tiffin AvenueFindlay, OH 45840

Lima Branches
Lima Branch201 North Main StreetLima, OH 45801
Lima Office Drive-Thru Branch135 North Main StreetLima, OH 45801

Springfield Branches
Springfield Branch30 Warder Street Suite 150Springfield, OH 45504

Van Wert Branches
Van Vert Branch1199 Westwood DriveVan Wert, OH 45891

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