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:


Citizens National Bank Celebrating Community Banking Month with a Financial Fair on April 29


Public invited to participate between 10 am and 2pm

Each branch of Citizens National Bank will host a Financial Fair on Friday, April 29 from 10 am – 2 pm in celebration of Community Banking Month. This fun educational event will feature information about CNB’s newest products as well as games and prizes. The bank’s tech experts will be on hand to answer questions regarding CNB’s mobile banking products and business banking officers and mortgage lenders will be available to discuss business and home loan needs. Cake will be served.

Each year the Independent Community Bankers Association designates April as national Community Banking Month, drawing attention to the importance these institutions play in our local economies by taking deposits and lending the money back out to local businesses. There are more than 51,000 community banks nationwide, employing 700,000 Americans and financing more than 50 percent of small business loans and 90 percent of agricultural loans.

Throughout the month of April, CNB customers who come into the branch will have the opportunity to register to win one of 7 gift baskets including local items from each of our branch communities. The drawing will be held on Friday, April 29 following the Financial Fair.

To learn more about the Financial Fair or to request an appointment with a tech expert or banker, visit Be sure to follow the bank on Facebook for updates –

Sean Finn Named Business Banking Officer at Citizens National Bank


Sean Finn VP/Business Banking Officer

Citizens National Bank (CNB) has named Sean Finn as Business Banking Officer for their Toledo Loan Production Office.  In this position, Finn is responsible for establishing new commercial relationships for CNB, as well as analyzing current customer portfolios on a regular basis.

Finn graduated with an MBA from The University of Toledo, and has over 18 years of financial industry experience serving retail and business customers alike.  Sean is passionate about serving the community, and is currently a member of the Professional Remodelers Organization (PRO) and the Perrysburg Chamber of Commerce.  Sean resides in the Temperance, MI area with his family.

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.


Scam Alert: TurboTax Phishing Attack

Information provided by KnowBe4phishing-browser

There’s currently a massive phishing scam that looks like it comes from TurboTax. The email tries to make you click on a link to “opt out” of sharing your personal information with others.

The email is a scam, if you click on the link it will download key logger malware which will steal your identity from your computer or phone.

Remember the following things:

  • Always have your Internet Security software updated, but do not rely on it.
  • Always keep all of your software up to date with the latest patches, both computer and phone.
  • Never click on links in emails or text messages unless you are sure it’s legit. For instance, if you want to go to TurboTax, visit their website directly by typing their address in your browser.
  • Think Before You Click! Always take a second to ask yourself if this might be a scam.

To stay up to date on the latest cybersecurity updates, subscribe to KnowBe4 is a company that works with businesses to test their security awareness and help identify weaknesses in order to help your business strengthen fraud awareness and lessen opportunities for compromise.

– See more at:

Questions about Mobile Banking? Our Tech Experts Have the Answers!

tech-devicesWith all the new technology available for customers to use to do their banking, each Citizens National Bank office has assigned one or two people to be deemed a “tech expert”. These tech experts are available to explain our products and walk a customer through enrolling and using online banking, mobile banking, mobile deposit, etc… Our experts will work with you one on one if they’re available or you can make an appointment or email the expert directly with a question.

Meet the Tech Experts!

Bluffton Office
Ashley August Bluffton tech expert
Ashley August


Celina Office
Linda Huff Celina tech expert
Linda Huff


Defiance Office
Brittany Brubaker Defiance tech expert
Brittany Brubaker


Elida Office
Megan Marlin Elida tech expert
Megan Marlin


Findlay Office
Courtney Wiseley Findlay tech expert
Courtney Wiseley


Lima Office
Kylie Cummings Lima tech expert
Kylie Cummings


Springfield Office
Jennifer Riffle Springfield tech expert
Jennifer Riffle


Van Wert Office
Jessi Harman Van Wert tech expert
Jessi Harman


– See more at:


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