The Citizens National Bank
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Borrowing for a Lifetime

When you need money to fund life’s necessities and pleasures, call your banking specialists at TCNB. Our experienced lenders have the knowledge and will take the time to help you with your lending needs. TCNB is a locally owned and operated bank. That means financial experts make the decisions locally, quickly and with flexibility.

Loans for Every Reason

Buy, build or refinance a home with a TCNB Mortgage Loan. Take advantage of the equity you have in your current home with a TCNB Home Equity Loan. Buy a car, boat or consolidate your bills, pay tuition or just have extra money with a TCNB Personal Loan. Personal Loans can be a great way to get over life’s financial bumps. Whatever your loan needs, TCNB programs are designed for convenience. TCNB’s seasoned management can help you with any credit need.

Check into our useful loan calculators to help you look at potential loan terms.
Call our Lenders at (937) 913-8262 for innovative solutions to your credit needs.

TCNB offers many types of loans and more importantly, borrowing made simple…

Whatever your borrowing needs, TCNB has a loan product to help.

Real Estate Loans

Selecting the right mortgage is extremely important. Your Mortgage loan may be the largest, and longest investment you will make. When you make a commitment like this, you want to know you have selected the right financing program, the one that fits your budget and your needs. At TCNB, we have many solutions with personal service from your local banking experts.

Fixed Rate Mortgages                                                                                      

ARM Loans                                                   

Construction Loans

Kay Sandusky NMLS # 457248

Home Equity…your hidden asset

If you’re like most people, your home is your most valuable and perhaps your greatest asset.

You can put the “equity” in your home to work for you. Updating your home, making a major purchase, consolidating your bills, or paying school tuition, are a few reasons to borrow. With a TCNB Home Equity Loan, you can get a fixed or variable rate. A Home Equity loan provides you with a lump sum for a major expenditure. A Home Equity Line of Credit makes cash available when you need it.

  • You can borrow up to 90% of the appraised value of your home
  • Instant access by writing a check anytime you like (subject to your line)
  • Unlike credit cards, auto loans or other personal loans, the interest may be tax deductible.*

*Consult your tax advisor regarding your individual situation.

Personal Loans

TCNB’s personal loans can help make a difference in your life. You work hard for your money and sometimes judging expenses can be challenging. TCNB can make a personal loan that’s perfect for you with payments and terms to fit your budget.

  • Credit Cards
  • Overdraft Protection for your checking account

Installment Loans

Installment loans are obtained for virtually any reason. but typically for autos, trucks, boats, recreational vehicles, snowmobiles, or home improvements. These loans are easy to apply for and approval time is quick. Installment loans are designed to have a scheduled monthly payment for a fixed term. TCNB will finance with competitive fixed rates for qualifying buyers.

  • Auto Loans
  • Home Improvement Loans
  • Education/Student Loans