Citizens National Bank

Citizens National Bank is an independent community bank with locations across Michigan (Cheboygan, Onaway, Mackinaw City), Tennessee (Sevierville, Morristown), and Ohio (Lima). Business borrowers can access a solid range of commercial products: lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. With decades of accredited operating history across multiple locations, it carries a well-established reputation among the communities it serves. A relationship-based lender by nature, it appears well suited for small businesses that value working directly with local bankers rather than navigating an online-only process. Reach out to your nearest branch to discuss rates and qualification criteria. Note that 'Citizens National Bank' is a name shared by several unrelated institutions — confirm you're connecting with the entity at yourcnb.com.