Tax-Related Identity Theft

Computer hacker stealing information with laptopInformation provided by the Federal Trade Commission (

Tax-related identity theft occurs when an identity thief has used your social security number to get a tax refund or a job. Unfortunately, it may be several months later that you realize it has happened when you are notified by the IRS that you were paid by an employer you don’t know or that more than one tax return was filed using your social security number. It’s important to note that the IRS will never send an email, text or social media message that asks for personal financial information. Notification would always come in the form of a letter. If you do receive an email that claims to be from the IRS, do not reply or click any links. Instead, forward it to

If you do receive an official notice from the IRS that alerts you to potential identity theft, visit to report it and begin the recovery process. Contact the IRS immediately if you think someone has used your SSN for a tax refund or a job (toll free 1-800-908-4490). Specialists will work with you to get your tax return filed, get you any refund you are due, and protect your IRS account from identity thieves in the future. After you contact the IRS, it’s important to limit the potential damage from identity theft by putting a fraud alert on your credit reports, ordering your credit reports for review and creating an Identity Theft Report by filing a complaint with the Federal Trade Commission (FTC) and filing a police report.

To learn more about this serious problem and what steps you can take to protect yourself, visit

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Findlay Ranked Top Micropolitan Community in the U.S. Third Year in a Row

Findlay #1 Micro Community_2017

Local Economic Development Projects top the national chart at 22 projects in 2016

For the third consecutive year, Findlay, Ohio has been ranked the top micropolitan community in the U.S. for new and expanding facilities by Site Selection magazine, the official publication of the Global FDI Association and the Industrial Asset Management Council. The magazine ranked 575 of the nation’s micropolitan areas, cities of 10,000 to 50,000 people which cover at least one county. Site Selection magazine has been ranking communities since 1988.  Findlay is the second community in the history of the award to be the top micropolitan three years in a row.

“Findlay-Hancock County is proud to be ranked the top micropolitan community in the United States again this year,” said Tim Mayle, Findlay•Hancock County Economic Development Director.  “2016 turned out to be a fantastic year for many of our existing companies.”

The Findlay•Hancock County Economic Development Office compiled and submitted 22 projects that met Site Selection’s qualifying criteria. Among those that qualified were Whirlpool’s 80,000 square foot plant expansion and Mennel Milling’s new 22,000 square foot HQ in Fostoria.

“Findlay’s Formula of collaboration between the private, public and not for profit sectors has proven to be successful again,” said Findlay Mayor, Lydia Mihalik. “Year after year our community continues to be a better place to live, learn, work and play.”

“Our Economic Development team has worked hard to gain momentum in the community, and enhance its focus throughout the region,” said John Haywood, The Findlay•Hancock County Alliance President and CEO. “Three years in a row as the Top Micropolitan is something our entire community can be proud of.”

Mark Gazarek, Chairman, Hancock County Commissioner added “The emphasis on Retention and Expansion of existing companies in our community allows for smart growth and continued investment.”

Additional information can be found online  Site Selection is also available via Site Selection Online

For more information, please contact the Findlay•Hancock County Economic Development Office at 419-422-3313 or visit

Mobile Banking

Male smartphone app car park Vintage filter

Have You Downloaded Our App?

If you are an Online for Business customer you’re automatically enrolled in our easy-to-use mobile app. Simply download it from the App Store or Google Play and log in with the same credentials and token you currently use for online banking. The App is free. Simply search for cnbohio. You’ll have all the same permissions you currently have within Online for Business. If you’re interested in depositing checks through your phone, contact an Online for Business specialist to have it turned on – 800-262-4663 or

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Celina Citizens National Bank to Celebrate CNB Madness Customer Appreciation Day March 16

The Celina office of Citizens National Bank invites the public to join us for CNB Madness, our Customer Appreciation Day, which will be held on March 16, 2017. From 11 am – 1 pm customers will be served free pork brisket or shredded chicken sandwiches, chips, water and cookies.

“This event is our way of saying thank you to the Celina market for the success we’ve had over the last 12 years,” states Celina City President, Rod Stover. Attendees may enter to win door prizes and are encouraged to take a turn in the photo booth.

The Celina office opened in 2005 and is a full service financial center offering deposit accounts, mortgage and commercial lending as well as investments through Citizens Wealth Management Group. Visit us on the web at to learn more.

Message from the President

J. Michael Romey, President/CEO

J. Michael Romey, President/CEO

Year in Review

Despite a somewhat volatile political backdrop and continued slow economy, Citizens National Bank experienced an excellent year in 2016. We have continued to show consistent asset growth and increased earnings. While our net interest margin continued to be under pressure from low interest rates and a flattening yield curve, our focus on decreasing operating expenses and increased loan growth has once again produced a record year.

Our strategy of relationship banking combined with real-time digital delivery of services has shown profitable results and will remain our primary focus as a bank. Some of the new products we introduced to support that strategy in 2016 included adding an online credit card application to our website and the introduction of our new app for managing debit cards called CardValet. This free app allows our customers to turn their debit card on and off in seconds and monitor its use through alerts in order to safeguard against fraud. We also began offering Positive Pay, a product that allows business customers to review and approve all checks written prior to them being cashed. The program automatically reviews items such as check amount and payee and flags items it feels may need further review. This product has already saved some companies thousands of dollars in potential fraudulent check activity.

Looking ahead to 2017 we have several new initiatives in the works including improving our retail loan origination process and offering payroll processing as a service for small business customers. We will also be offering instant issue of debit cards and credit cards right from our branches. This will allow new accounts to walk out the door with an active debit card they can use that same day. It will also make it much easier to replace a lost or stolen card.

We’re excited to see what the new year holds in store for our bank and its customers. Thanks for banking with us!

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Brittany Brubaker Named Branch Operations Manager at Citizens National Bank

Brittany Brubaker, Defiance Branch ManagerCitizens National Bank (CNB) has named Brittany Brubaker Branch Operations Manager of their Defiance office. In this position, Brubaker is responsible for branch oversight, including daily operations, sales and financial performance.

Brittany has been employed with CNB since 2014, initially working as a Customer Service Representative in the Defiance office and most recently in Treasury Management. She is a graduate of the University of Northwestern Ohio with a Bachelor’s Degree in Marketing.

Brittany is a committee member for the Citizens National Bank Service Club. She also is a coach for the Pandora-Gilboa volleyball club. She and her husband reside in Hamler.

With offices in Bluffton, Celina, Defiance, Elida, Findlay, Lima, Springfield, Van Wert and Toledo, Citizens National Bank has assets totaling more than $770 million and has been serving the communities of West Central Ohio since 1920.

Crop Insurance Update

A farmer holds seed corn in his calloused hands (sepia tint added).Here are a few crop insurance updates to note for 2017. Information provided by Williamson Insurance Agency. Learn more at

Prevent Plant – Crop insurance will now pay you 55% of your Revenue Guarantee (instead of 60%) if you qualify for a corn prevent plant payment. Popcorn and soybeans remain at 60%.

Replant – The policy now states that you must try to replant the first planted crop through the late planting period. Previously you could replant a different crop prior to the late planting period and still have coverage. The late period for corn now runs through June 30 so you must replant corn through that date if that was your original crop.

Entity Changes – Any entity name changes (LLC, DBA, etc.) had to have been filed with the Farm Services Agency prior to June 1, 2016 to be eligible for premium support on their 2017 crop insurance policy.

It’s important to keep good separate records for all farms in order to maximize potential payments for actual production. Otherwise, an average of all your farms may be used when figuring payments and only 75% of that will be figured as your farm production average.

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