CNB Bank Direct

Deposits held and insured by Citizens National Bank (OH)

Reviews (1)

I Have Had An Account With CNB Bank Direct For Over A Year

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I have had an account with CNB Bank Direct for over a year. The inital setup process took longer than expected, but once the account was set up, it worked okay. The online access system is no-frills but usable. You can only transfer back to the account you used to set up the account, so make certain you fund from the right account with your opening deposit. The interest rate has been very good, but not the best available. ACH transfers happen very quickly so that is a plus with this account. It is possible to pull money out of this account if you issue the instruction from another bank, but CNB doesn't like to tell you that.


Data as of Q1 2023

Data displayed below is for insuring bank: Citizens National Bank (OH)
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Health Grade Components

FDIC Certificate #6531
Year Established1920
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.91%
Return on Equity - YTD20.83%
Annual Interest Income$11.5MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$970.7MM$941.9MM
LoansQ1 2023vs Q1 2022$773.6MM$721.0MM
DepositsQ1 2023vs Q1 2022$739.1MM$779.6MM
Equity CapitalQ1 2023vs Q1 2022$91.3MM$98.0MM
Loan Loss AllowanceQ1 2023vs Q1 2022$11.9MM$11.2MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$2.9MM$2.5MM
Real Estate OwnedQ1 2023vs Q1 2022$0$0
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CNB Bank Direct Savings Account Rates

4.60%$1-High Yield Savings Account

CNB Bank Direct Money Market Rates

4.70%$25k$2mPremium Money Market

CNB Bank Direct is an Internet only bank and does not have branch locations. Its headquarters is located at 102 South Main Street - Bluffton, OH 45817

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