Introducing CNB Security Bulletin!

Security-BulletinAre you concerned about cybersecurity?

Did you know the US Director of National Intelligence ranked cybercrime as the top national security threat – higher than terrorism, espionage and weapons of mass destruction? The increased threat from cyber criminals has become a top priority of financial institutions across the US. We, like all banks, are concerned for our customers’ financial security. While we do our part to protect your accounts, oftentimes it’s the employee of a company that provides the right opportunity for a crime to occur.

Our Security Bulletins can help educate you and your staff about the importance of awareness and due diligence when banking electronically. These short emails may give specific examples of what we’re seeing with our customers in regards to fraud attempts and provide brief education as to how to bank online safely. We are proud to offer technology and products that make it easier for you to run your business. Bank confidently online by trusting in our systems and taking to heart the information we will provide through these brief Security Bulletins. Sign up today to receive the CNB Security Bulletin.

– See more at:


CNB Credit Cards

New Look, New Rewards Program, New Corporate ControlBusinessCreditCard

If you’re looking for an easy to use corporate credit card program that gives you control over ordering new cards, establishing limits for your employees and combined corporate billing, consider Citizens National Bank’s business Visa® credit cards! We’ve recently launched a new program. All our cards now include the EMV chip, which lessens the likelihood of fraudulent transactions in person. Our new rewards program, UChooseRewards, offers 1 point for every $1 spent, but also provides the opportunity to earn more than 4 points per $1 spent for select merchants in-store and online. Cashback will soon be available as another reward option. The variety of gifts to choose from, plus the multitude of gift card vendors and travel options are much more extensive than what we had in the past.

Perhaps the most exciting part of our new program is the ability to set up a Control Account for the business, allowing you to log in to the credit card system and monitor all your employees’ cards, order new cards as needed and even adjust spending limits on the fly. Our CNB business Visa® credit card interest rates are very competitive, and we’d be happy to speak with you about getting a corporate card program in place at your business*. Learn more about our credit cards or contact a business banking officer to get signed up!

*Subject to credit approval.

– See more at:

Rhonda Hogrefe Named VP/Business Banking Officer at Citizens National Bank


Rhonda Hogrefe VP/Business Banking Officer


Citizens National Bank (CNB) is pleased to announce the promotion of Rhonda Hogrefe to VP/Business Banking Officer for their Findlay office.  In this position, Ms. Hogrefe is responsible for establishing new commercial relationships for CNB, as well as analyzing current customer portfolios on a regular basis.

Ms. Hogrefe has more than 15 years of financial industry experience serving retail and business customers alike. Since joining the CNB family in 2008, she has worked in various customer service positions, most recently AVP/Branch Operations Manager and Retail Mortgage Specialist. A Findlay native, Rhonda is passionate about her community and is currently a member of the Findlay Hancock Chamber of Commerce, serving on their Red Coat Committee.

With offices in Bluffton, Celina, Defiance, Elida, Findlay, Lima, Springfield, Van Wert and Toledo, Citizens National Bank has assets totaling more than $746 million and has been serving the communities of West Central Ohio since 1920.

Citizens National Bank Named an Industry Top Performer


 ICBA Independent Banker®, the award-winning magazine of the Independent Community Bankers of America® (ICBA) and the nation’s number-one source for community banking news, recognized Citizens National Bank (CNB), Bluffton, OH as an ICBA industry top performer in its May issue. CNB’s recognition is based on the strength of its competitive banking services and operational efficiencies throughout 2015.

“Whether serving rural, suburban or large metropolitan areas, community banks operate with a focus on their customers and communities,” said Chris Lorence, ICBA’s executive vice president and chief marketing officer. “Citizens National Bank knows their local market and thrives because they stay true to the principles of community banking while showcasing drive, ingenuity and community commitment. CNB demonstrates integrity, enthusiasm and inventiveness in the financial industry, and for that reason ICBA is proud to recognize this community bank and its employees for their outstanding efforts.”

This year’s ICBA top-performers rankings underscore the importance of focusing on serving customers and communities, first and foremost. Delivering superior service, following disciplined pricing models, and supporting their local communities and neighborhoods are trends among those community banks recognized within the rankings. These community banks featured stick to well-known industry fundamentals, while embracing the changing industry landscape.

As part of its annual performance rankings of its member institutions, ICBA pulled year-end FDIC call report earnings data to identify the 25 community banks with the highest return on average assets (ROAA) and return on average equity (ROAE) ratios for all of 2015. Both Subchapter C corporation and Subchapter S corporation institutions in six asset-size categories were recognized.

“Citizens National Bank is delighted to be recognized as an ICBA top performer,” said President/CEO Mike Romey. “We credit our loyal, local customers and dedicated employees for our success and look forward to serving the unique needs of our community and helping it grow and prosper in the years to come.”

To see this year’s ICBA top-performers listings, read the article “The Best of the Best” on ICBA Independent Banker’s website at


About ICBA
The Independent Community Bankers of America®, the nation’s voice for more than 6,000 community banks of all sizes and charter types, is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education and high-quality products and services.

Message from the President


J. Michael Romey, President/CEO

CardValet – Control Your CheckCard through Your Phone

Banks have long been interested in heading off card fraud which cost the industry $8 billion last year alone. This, along with the stress and inconvenience this causes our customers, motivated us to look for an option to let people feel safer using their CheckCards. Citizens National Bank now has a new mobile phone app called CardValet which does just that. This easy to use app links to your CNB CheckCard and allows you to turn it on when you want to use it, and off when you don’t – preventing unauthorized use by anyone else if they’ve acquired your card information fraudulently. Other benefits include the opportunity to set a radius location of where you normally shop, the ability to limit what types of merchants the card can be used at, and even to set spending limits for the card. In addition, alerts can be set to notify you of any activity on your card so you’re always in the know and can catch anything suspicious before it affects your accounts.CardValet_300x194

Our bank takes your financial security seriously and we’re always looking for ways to better your experience with us. By utilizing products such as CardValet, we’re putting the control in your hands so you can feel confident in your banking.

Download the app today from the App Store or Google Play, enter your card information, and create your username and password. To learn more, view our demo.

– See more at:

Ask the Lender – What is an SBA Loan?

Brock Burcham, SVP/Springfield City President

Brock Burcham, SVP/Springfield City President

The Small Business Administration, SBA, offers many types of financing programs geared towards aiding small businesses in growing or starting a business. How these programs work is that the SBA guarantees up to a certain amount of the loan so the bank has less risk in taking on the loan. Citizens National Bank is an approved administrator of SBA loan programs. What that means is the business owner works directly with a lender at our bank and we complete the paperwork to apply for those programs as needed. There are 3 main programs CNB works with: SBAExpress, SBA 7A Guaranteed Loans, and the SBA 504 Loans.

  • The SBAExpress is geared toward small business loans of less than $350,000. The purpose is to start or grow a business. Applications are responded to within 36 hours.
  • The SBA 7A Guaranteed Loan has a maximum loan amount of $5 million. The purpose is to establish a new business or assist in acquisition, operation or expansion of an existing business. Both fixed and variable interest rate structures are available.
  • The SBA 504 Loan has a maximum loan amount of $4-$5.5 million depending upon how funds will be used. It must support one of three goals; job creation, public policy or small manufacturing. Maturity terms of 10 and 20 years are available.

To determine whether or not one of these programs will benefit you, simply contact a CNB business banking officer and discuss your goals for starting or expanding your business. Once we review your financials and business plan, we’ll consider whether SBA financing is a viable option. To learn more about how SBA loan programs work, view our video.


Ag Outlook 2016

Crop Insurance Updates, Senate Bill 1 and the Internet of AgricultureAgOutlook

Wondering what the future holds for agriculture?
Here are a few things to keep an eye out for in 2016.

  1. Crop insurance trends – Jason Williamson of Williamson Insurance in Convoy, Ohio notes a new trend in crop insurance is whole farm revenue protection. In order to qualify for this protection, you must have 3 commodities; show a 5 year average income, a projected income for the current year and each commodity must be 11% or more of your revenue to qualify for 85% coverage. Livestock is able to be covered with this product. Important to note is if one crop does well and another doesn’t, you might not have a claim because it’s based on an average of the revenue for the entire farm. For more information about whole farm revenue protection or any of the other crop insurance products Williamson offers, visit their website
  2. Senate Bill 1 – As of February 2016, Senate Bill 1 took effect, which put into place new regulations and restrictions in regard to surface manure and fertilizer application. According to Matt Lane, Pollution Abatement Administrator with the Ohio Department of Agriculture, larger farmers are required to comply now, medium farms have until July 2016 and small farms until July 2017 to provide time to build storage space if needed. Minor violations can cost up to $2,000 per day and major violations up to $10,000 per day. The bill was created to focus on application of products on frozen ground specifically and includes:
    a. Ensuring runoff doesn’t go into the western basin,
    b. Nothing is applied to the ground with more than 1/2 inch precipitation. (This doesn’t apply if it’s applied below ground or worked in within 24 hours or if it’s a growing crop.)
  3. Internet of Agriculture – According to Dr. Scott Shearer of Ohio State University the use of data and analytics to manage precision farming will continue to grow. Monsanto recently purchased Precision Planting, which provides the software for all GPS systems on new equipment. All that information they gather from individual equipment now goes into The Cloud and they’re able to use that data to determine what types of seed will be needed and project sales. Case IH and AGCO have agreements to share information and John Deere is now buying Precision parts with Monsanto, effectively locking up high speed planting. They can now map the location of every seed planted and even track skips, double planting, etc… Shearer predicts we’ll eventually see fully autonomous equipment which will strip the need for seats, air conditioning, interior lighting, etc… and that the mechanical/technical life of tractors will be reduced to 6 or 7 years.

– See more at:



Get every new post delivered to your Inbox.