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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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Want to Know Your Balance in an Instant?

Instant BalanceInstant Balances Now Available through our Mobile App!

If you haven’t updated your CNB Mobile App recently you’re missing out on its newest feature, Instant Balances. This enhancement makes it possible for you to designate which accounts you’d like to to be able to view current balances of without even having to log in to the app. Setting it up is easy – update your app, log in, then click More in the bottom right corner. You’ll see a button for Instant Balances Settings on the left side. A list of all your accounts will show. Simply checkmark which accounts you’d like to include and Save. The next time you open your app, you’ll see a dollar sign in a circle in the upper right corner. Tap on that to view balances for the accounts you selected. You may choose up to 6 accounts to view in Instant Balance. View a demo to see how it works.

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Ask the Lender – Calculate the Costs

There are a lot of factors to consider when determining the costs of purchasing a home. Fortunately, our website,, has a variety of mortgage calculators available for you to input different scenarios in order to understand what makes the most sense for you. These interactive calculators are easy to use and address many different questions you may have, such as “What’s the Maximum Mortgage I qualify For?”, “Should I Consider a 15 Year vs. a 30 Year Mortgage Term?” and “Should I Buy Points to Get a Smaller Monthly Payment?”. These calculators are a good starting point as you begin to look at your finances and work with your lender.

Here’s a list of all the Mortgage Calculators available on our site. Check them out:

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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What is the Direction of the US Economy?

2017 Economic Forecast

Economist Bob Morgan is optimistic the nation and Northwest Ohio will continue to see steady economic growth in 2017. Increased consumer spending, job growth, increased wages and overall consumer confidence all play a part in the continued upswing of the nation’s economy. In Northwest Ohio, Morgan expects the housing and automobile markets to remain strong and manufacturers to begin to increase output. Political gridlock will be a major issue facing the divided country and until those issues are resolved, no major fiscal policy changes can be expected, according to Morgan.


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The Season of Giving is Here

season-of-giving-popmoneyPopmoney to Help Ronald McDonald House Charities

Now through the end of December, for every Popmoney sent $5 will be donated to Ronald McDonald House Charities of Northwest Ohio. Popmoney through CNB Bill Payment is a simple way to pay som
eone back or give someone a cash gift wihtout having to write a check, The recipient doesn’t even need to bank with us. All you need is their mobile phone number or email address to initiate the payment. At the same time, you’ll be providing help to families of sick children in Northwest Ohio. Citizens National Bank will tally up the total amount of Popmoney transactions sent during the months of November and December and donate $5 for every one, up to $500.

To learn more about Popmoney, check out the online demo.

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Holiday Survival Guide

family-christmas-dinnerFrugal Tips to Help You Save Money

The holiday season doesn’t seem like a good time to start saving, but there are many things you can do to save money, or at least ensure you don’t overspend, that you’ll appreciate in January as you start the year without debt from the holidays hanging over your head.

Here are a few ideas:

  1. Clean your house before the holidays to find leftover wrapping paper, gift bags, tape, etc… you won’t have to buy this year.
  2. Shop garage sales or thrift stores for holiday decorations. You don’t need to spend big bucks to make your home look festive.
  3. Make a holiday budget and stick to it. Use a budget-tracking app for up to the minute information about your spending and balances such as
  4. Pay cash for all your purchases. Credit card debt is not a good way to begin the new year.
  5. Consider sending postcards rather than holiday cards in envelopes to save on postage.
  6. Save on your energy bill and add some ambiance by dimming the lights and lighting a few candles.
  7. Clean out your trunk before driving long distances for get-togethers. Every pound of extra weight decreases your gas mileage.
  8. Google online vendors for coupon codes before pressing the “purchase” button. Many times you’ll save at least 15% on your order, or at least get free shipping.
  9. If you are hosting a meal, ask for help with side dishes and desserts from your guests so you’re not footing the bill for the entire meal.
  10. Freeze leftovers and bring your lunch to work for 1-2 weeks after the holidays.

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