Commercial Loans

Commercial Real Estate Loans

The First Citizens National Bank can help with the purchase, refinance, improvement or expansion of both owner occupied and non-owner commercial real estate.


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Commercial Construction Loans

The First Citizens National Bank can assist with the building or expansion of new office, building, or the construction of all types of investment and new business projects.


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Commercial Equipment Financing

Purchase or refinance new or used commercial equipment. Our loans offer fixed rates and flexible payment options to meet your needs.


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Business Leasing

Through our partnership with Vision Financial, The First Citizens National Bank offers customized leases designed to meet the accounting and cash flow needs of your business.


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Business Working Capital Lines of Credit

Lines of Credit are available to finance your inventory and working capital needs.


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Business Visa® Credit Cards

First Citizens offers a Business credit card program tailored to meet your company’s needs.


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The First Citizens National Bank works directly with the SBA, Farmer Mac, FSA and USDA, as well as local and state Governmental Assisted Lending programs to maximize your borrowing capacity as well


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US Small Business Administration        Farmer Mac


USDA Farm Service Agency