For many businesses in Ohio and across the country, the cost of doing business is going up. Prices for materials, supplies, rent, and even electricity are all rising. When operational costs go up, it can be harder for small businesses to make a profit.

Throughout the country, businesses are having a hard time finding enough workers. This is called a labor shortage, and it can make it tough for companies to grow. Without enough employees, businesses may not be able to serve all their customers or take on new projects.

Ohio’s healthcare industry is undergoing significant changes, with independent medical practices facing increasing pressure from larger healthcare systems. As consolidation trends continue, independent providers must navigate challenges such as rising operational costs, shifting reimbursement models, and competition from hospital-affiliated networks. At First Citizens National Bank, we recognize the financial strain this shift places on independent practices and offer solutions to help them remain competitive.

The First Citizens National Bank is proud to announce that Frank Reinhard, Chief Lending Officer, has been elected to serve on the Bank’s Board of Directors. In this new role, Frank will contribute his expertise in community banking and commercial lending to support the mission and strategic direction of FCNB.

Ohio businesses are facing new financial challenges as recent tariff changes drive up costs across various industries. From manufacturing to agriculture, the impact of these rising expenses is forcing business owners to rethink their strategies, pricing, and supply chains. As a community bank, we understand the pressures local businesses are facing and want to provide some insight on how to effectively navigate these challenges.

The First Citizens National Bank is pleased to announce that Austin Searfoss has joined the team as an Agricultural Lender. With six years of experience in the banking industry, five of those specializing in agricultural lending, Austin brings a deep understanding of the unique financial needs of farmers and agribusinesses.