About Us

The Citizens National Bank of Southwestern Ohio is a community bank operating in West Central and Southwest Ohio. The bank is focused on helping individuals; partnerships and businesses meet their financial goals by providing high quality financial services.

Bank Services

As a community bank, TCNB is dedicated to being the best financial partner any individual or small to medium sized business could want. Relationship management is the key to the success for TCNB. Decisions are made locally and are time sensitive. Beyond offering high quality products, the bank differentiates itself within the marketplace through its focus on customer care. Employees are expertly trained and empowered to assist customers with their needs, the phone is answered personally and answers are provided when the customers ask. The bank has competitive rates and a full range of banking products. 

TCNB values financial soundness, fairness, and ethical conduct and provides dignity and respect to customers. Error-free service, as well as innovative and cost effective service is an integral part of the bank's value system.

Mission Statement

Our mission is to enhance the quality of life of our customers, our employees, and our stockholders. We envision being a community bank focused on helping individuals, groups and businesses meet their financial goals by providing high quality financial products and services.

Our customers come first. We believe in providing superior value to our customers by having the best people trained, empowered and pledged to excellence, delivering the best service, quality and value to every customer, every time.

We are only as strong as our people. We are committed to giving them the training, tools, opportunities and rewards, along with a stimulating work environment, to do their jobs well. We are committed to doing the right thing by maintaining the highest standards of integrity and ethical conduct, and to participate as active citizens in our communities.

Our stockholders provide the equity essential for our success. We are stewards of their investment and we are committed to growing value for our stockholders through long-range earnings growth and return on equity. We believe the best way to consistently create and sustain shareholder value is to satisfy the needs of our customers.