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First for Business

We are First for your Business Banking Solutions

As a community bank, we relish the vital role we play in supporting the growth of local businesses. Especially now, in what might prove to be a pivotal Post-Covid recovery period.

Our team of business banking advisors, commercial lenders, treasury management specialists, and financial advisors look forward to sharing their efforts and experience to help guide you through the challenges and opportunities ahead. With a focus on local business growth, our experts provide strength and support prosperity in the community businesses that you know and love. Take a moment to learn more about specific businesses that we’ve helped.

Helping Foster Financial Health

Oftentimes in business, there’s not an easy fix to a problem and its tenacity that wins the day. Following a merger, Marion Public Health planned to bring all departments, currently working in multiple locations, together in one, centralized building. “We found the perfect building, but it needed a lot of work,” remembers Traci Kinsler, Health Commissioner for Marion Public Health. “We approached several banks to secure financing to buy the building and tackle abatement and renovation.” To fund this type of project, larger banks would typically seek funding through the SBA. But in this case, because the client was a non-profit, that wasn’t an option. And without the safety blanket of government-backed financing, they weren’t prepared to provide the 20-year, fixed-rate loan Marion Public Health was seeking. “We were at a loss,” Kinsler said. “But that’s when The First Citizens National Bank stepped in. Because they had a lot of experience working with multiple government agencies and across different industries, they believed they had a solution.”

Remembering past projects that required non-traditional solutions, the bank approached the USDA Rural Development Department. Even after the initial loan request was denied, the bank stayed on task. Tapping past experience with the Agency and citing previous case notes, the bank resubmitted the application and was able to get the loan approved.

“If it weren’t for their expertise and determination not to take ‘No’ for an answer, we wouldn’t have received the funding we needed,” Kinsler concluded. “None of the other banks brought this combination of expertise and service to the table and none of them found a solution that worked for us.”

First for Experience

One of the benefits of experience is that you sometimes see things that others don’t. At The First Citizens National Bank, experience reaches beyond banking expertise to a deep understanding of the dynamics of local economies and the unique challenges businesses in different industries face. This is the community bank difference and what compels us to find better solutions and deliver better experiences for our clients every day.

“Over the years, we’ve forged strong relationships with so many public and private sector experts and leaders. It’s a great resource to tap and provides us with a lot of options for our clients when straightforward solutions won’t work,” said Kevin Smith, the First Citizens National Bank’s Regional President of the Marion Market. “When you’re working on behalf of local businesses, the stakes are just higher because you know what success means for jobs and the community. I believe that drives my colleagues to go the extra mile.”


Whatever the stage of your business, whatever the opportunity or challenge it faces, you can count on us to work tirelessly to find a solution. And it won’t be cookie-cutter and you won’t have to wait for an out-of-state corporate office to approve it. Our team works here, our decisions are made here, because you do business here. Below are some options to help you out, but we are always available to discuss your unique needs as a business.

  • Business Banking - Unmetered business checking, savings accounts, debit and credit cards.
  • Courier Service – Only available in certain market areas. Contact us directly to learn more.
  • Online and Mobile Banking for Business - Comprehensive business online and mobile banking, fraud prevention, bill pay, and remote deposit capture.
  • Ag and Business Lending - Term, real estate and equipment loans, working capital, SBA, FSA, and Farmer Mac.
  • Treasury Management - Merchant services, payments and receivables management, payroll, and fraud mitigation.

And many more! - Fill out our contact form to learn about other products available to you and your business!

Want to learn more about how we've helped businesses like you?  Visit our testimonial page: First for our Customers

Latest Projects



Revolving Line of Credit



Agricultural Mortgage Loan



Farm Operating Line


$1 million

Equipment Purchase Line


$3.3 million

Commercial Mortgage Refinance



Equipment Purchase Line

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If you have any questions, suggestions, or concerns, please, let us know! Give us a call or fill out the form below.

Call Toll Free: 1-888-378-1860

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