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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.

A Local Bank for Local Business

In business, it’s not always what you know, but who you know. The value of local knowledge, of a local network, is immeasurable.

“Small businesses aren’t like big corporations,” David Miller, a CPA with Fruth & Company PLL, CPAs, commented. “They don’t have large teams of employees specializing on every business task. They rely on business partners like their CPA and their banker to get the advice and help they need.”

The working relationship between CPA, banker and business owner is often critical to success and David has seen it work exceptionally well when the bank is The First Citizens National Bank. “They always put the client first,” said Miller. “Quite often, off-the-shelf solutions don’t always work for every business. First Citizens will always take the time to really understand the business need and they will craft a solution to fit the specific purpose. When a bank does this, it’s not just the business that benefits but, ultimately, it’s the community too. Local communities need strong businesses.”

Miller cites the recent PPP loan process as an example, when many larger banks were not as accommodating to local businesses as First Citizens. “There wasn’t a lot of time – funds were limited and the applications had to be handled quickly. First Citizens understood that and stepped up to help local businesses, even some who were not their customers. Their communication through the entire process was great and they were so much easier to deal with than the larger banks. And I believe that’s because they knew what was at stake for their clients.”

Frequently, Kinney says, the Bank has reached out with ideas that have saved the company money or allowed them to improve operations. “They always seem to have our best interests in mind. Being a community bank, they seem to care more about their customers.”

First for Knowledge and Community

Understanding the connection between local business and the community is what sets The First Citizens National Bank apart. We are a local business; a community bank whose mission it is to help local businesses and communities succeed.

We understand the challenges of seasonality on cashflow; how market dynamics affect growth and capital requirements; the need, sometimes, to work together with businesses to design solutions that don’t already exist. It’s this knowledge that allows us to look beyond the numbers and to provide greater flexibility in the solutions and service we provide. Our Business Bankers have experienced almost everything the economy can throw at a business – even a pandemic! And it’s their knowledge, experience, and willingness to go the extra mile that sets us apart.


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!

Latest Projects

Marion Area Automotive Machine Shop


Equipment Loan

Marion Area Farm

$2.6 million

Agricultural Mortgage Loan

Local Non-Profit


Revolving Operating Line

Jewelry Manufacturer

$1.2 million

Revolving Operating Line

Commercial Roofing Contractor

$1 million

Equipment Loan

Women's Health Clinic


Working Capital Line

Contact Us

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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