Bank · FDIC insured
Citizens National Bank
A $1.1B bank headquartered in Bluffton, OH, with 11 branches in Ohio.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens National Bank
Founded in 1920 in Bluffton, Ohio, Citizens National Bank operates offices across multiple Ohio communities and serves customers across eleven primary counties.
The bank provides community banking services with commercial real estate, commercial and industrial lending, and agricultural lending solutions.
- Headquarters
- 102 S Main St, Bluffton, OH 45817
- FDIC certificate
- 6531 ↗
Branches
11 branches in Ohio
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Ohio
11 branches
Bluffton area · 2
- The Citizens National Bank of BlufftonMain office102 S Main St, Bluffton, OH 45817Directions
- South Main Street Branch138 South Main Street, Bluffton, OH 45817Directions
Lima area · 2
- Lima Branch201 N Main St, Lima, OH 45801Directions
- Lima Office Drive-Thru Branch135 N Main St, Lima, OH 45801Directions
Celina area · 1
- Celina Branch601 Grand Lake Rd, Celina, OH 45822Directions
Defiance area · 1
- Defiance Branch601 E 2nd St, Defiance, OH 43512Directions
Elida area · 1
- Elida Branch305 E Kiracofe Ave, Elida, OH 45807Directions
Findlay area · 1
- Findlay Branch1995 Tiffin Ave, Findlay, OH 45840Directions
Springfield area · 1
- Springfield Branch30 Warder St, Springfield, OH 45504Directions
Toledo area · 1
- Toledo Branch3130 Executive Pkwy, Toledo, OH 43606Directions
Van Wert area · 1
- Van Vert Branch1199 Westwood Dr, Van Wert, OH 45891Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.02% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.66% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 2.45% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $102 | $88 | — |
- CapitalLeverage ratio11.02%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.66%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets2.45%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$102Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.