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.

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. 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.

To get started, fill out the form below, or give us a call at  1-888-378-1860.


Financing for this custom commercial construction project in Delaware was at risk. When original negotiations stalled, we were brought in. Because of our knowledge of the construction process and our willingness to think beyond traditional financing options, we delivered a bespoke solution that not only made the project possible but saves the client $7,620 annually in financing costs.

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.

Post-Covid, this middle-market manufacturing company in Marion adopted an efficiency review to streamline processes and find cost savings. Asked to help, our team dug a little deeper and found multiple ways to streamline the vendor payments process by improving the efficiency of Accounts Payable and reducing fraud risk with leading Positive Pay technology. The result? Savings of $400 each month, or $4,800 annually.

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.

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.

For this multi-store retail company in Powell, we actually had two clients: The longstanding owner selling the stores and the new buyer. Because of our knowledge of the business and the strength of relationships we had built, we were able to navigate from the legacy to the new vision to secure a successful transition. As well as financing the purchase, we supported the new owner with better and lower cost Merchant, Payroll, and credit card solutions, saving thousands of dollars in operating costs.

First Citizens National Bank offers business services that streamline the business of doing business. Our Payment & Collection Solutions allow you to easily send and receive payments, such as Credit Card Processing, ACH and Wire Services, Business Bill Pay, and Business Remote Deposit.

Few businesses are as demanding to operate as a family farm. So for this successful mid-western farm, the strength of their banking relationship was crucial. Our expertise in Ag and willingness to commit to their business beyond the normal 8 – 5, made us a valuable partner as the family welcomed a new generation to the business. Working closely with the owners on year-end planning, we devised ways to finance land and equipment purchases by restructuring current loans to reduce the impact on cash flow.

Our experienced Business & Agricultural lenders are knowledgeable, experienced, and here to help your business find the solutions it needs to succeed.

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.

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.

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.


Login to your account