for business success


The First Citizens National Bank has been a locally-owned and managed bank serving the needs of families, , community, and businesses since 1860. We understand what it takes to help local businesses thrive, because we’re a local business, too.

Strong communities are driven by successful businesses. Whether you’re a seasoned business looking to grow or a start-up, a farm or a factory, our experts are committed to your success.

For over 160 years, we have been the partners that help you prosper. 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 your business through the challenges and opportunities ahead.

Many of our team were born in this area; others live here, and all of us do business here. We care deeply about our community and that pride shows through in everything we do.

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.

We have a local first approach where custom solutions are the norm, and we have local businesses willing to share their experiences with us. Learn more about what local businesses have to say about working with FCNB.

Big banks approve less than 15% of small business loan requests1. When your business is seeking the capital it needs to grow, trust the local decision-making and expertise of First Citizens National Bank. When it comes to business and agricultural lending, we deliver more than loans — we deliver customized financing solutions crafted by our commercial experts to uniquely fit your business’s needs. At First Citizens, we do more than just lend to our business customers – we partner in your success. We are invested in fully understanding your specific needs in order to craft a financing solution that works best for you.

38% of small companies have experienced fraud, with about one in four facing a total impact of more than $1 million2. Count on First Citizens for safety and security with a robust suite of Fraud Management services to better safeguard your accounts from fraud and identity theft. Protecting your business saves time and money while delivering peace of mind.

In this increasingly digital time, your customers want more ways to pay. Streamline the way you send and receive payments with Treasury Management services from First Citizens National Bank. Accept payments from all major credit cards across a variety of platforms with Credit Card Processing, Send payments quickly and securely with ACH and Wire Transfers. We’ve got you covered with Payment & Collection Solutions.

Having been in continuous operations for more than 160 years, First Citizens ranks as one of the oldest business organizations in Wyandot County. In addition, the Bank remains one of the oldest locally owned nationally chartered banks in the United States. We know what it takes to stand the test of time. Your business needs a financial partner with staying power. For business success, trust the experts of FCNB.


Latest Projects

Marion County Nonprofit


USDA Financing for Building Purchase & Renovation

Wyandot County Farmer

$1.3 million

Farm Equipment Trade/Purchase



Operating Line of Credit

Family-Owned Real Estate Holding Company


Commercial Real Estate Refinance

Hancock County Farmer

$1.1 million

Farm Land Purchase

Wyandot County Business

$1.7 million

Business Restructure

1. Forbes
2. PwC’s Global Economic Crime and Fraud Survey 2022

Questions? We are here to help!

Give us a call today at 1-888-378-1860 or stop by one of our banking centers. Or submit the contact from below.

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