The Citizens National Bank

The Citizens National Bank is a community commercial bank headquartered in Toledo, Ohio, founded in 1920 and serving businesses throughout the state. Its commercial lending lineup covers lines of credit, term loans, equipment finance, construction finance, and commercial real estate financing. The bank also carries strong depth in agricultural lending and wealth management — a practical combination for farm businesses or owner-operators who want credit and financial planning in one place. With over a century of operating history and decades of accredited standing, it brings the stability of a well-established community bank to its borrowers. Rates, approval criteria, and financing amounts aren't published publicly, so reaching out directly is the best way to explore fit and terms.