The Citizens National Bank of Bluffton

For information concerning CNB Bank Direct online bank, please click here.

The Citizens National Bank of Bluffton is an FDIC insured institution headquartered at 102 S Main St, Bluffton, OH 45817.
It was founded in 1920 and has approximately $1 billion in assets. Customers can open an account at one of its 11 branches.

Deposit Rates - March 19, 2024

SAVINGS RATES APY MIN
CD RATES APY MIN
MM RATES APY MIN
Money Market
0.03% $10,000 Compare
Money Market
0.03% $25,000 Compare
VARIABLE IRA RATES APY MIN
Var IRA
0.05% $1
INT CHECKING RATES APY MIN
Int Ckg
0.01% $2,500

Overview 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6531
Date Established 1920
Assets $ 986.80 million
Loans $ 795.79 million
Deposits $ 773.07 million
Capital $ 82.69 million

Summary Balance Sheet as of June 30, 2023

ASSETS
Cash & Balances due from depository institutions $ 16.79 million
Interest-bearing balances $ 4.44 million
Total securities $ 148.33 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 795.79 million
Loan loss allowance $ 12.05 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.60 million
All other assets $ 11.76 million
     Total Assets $ 904.11 million

LIABILITIES
Total deposits $ 773.07 million
      Interest-bearing deposits $ 586.90 million
      Deposits held in domestic offices $ 773.07 million
      % insured (estimated) 76.30%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 142.51 million
Subordinated debt N.A.
All other liabilities $ 4.16 millionn
      Total Liabilities $ 904.11 million
      Shareholders’ Equity $ 82.69 million

Summary Income Statement as of June 30, 2023

INCOME AND EXPENSES
Total Interest Income $ 36.54 million
Total Interest Expense $ 9.69 million
Net interest income $ 26.85 million
Provision for loan and lease losses $ 0.32 million
Total non interest income $ 4.71 million
Total non interest expense $ 15.54 million
Pre-tax Net Operating Income $ 12.23 million

Customer Reviews for The Citizens National Bank of Bluffton

There are currently no comments for The Citizens National Bank of Bluffton. Be the first to share your experience. Please provide comments that will help others.


Add Your Review


Rate it here →



Branches

Click on location and enter new zip number to change.
Your current location is: Ashburn, VA
View Branches Statewide →

View Branches Nationwide →

The Citizens National Bank of Bluffton Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL CD
    Bank
    OHIO
    $50,000
    6 Month
    0.05%
    0.13x (National Avg. - 0.40%)
    $10,000
    -
    SCENARIO
    Year Rate
    0.05%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    LOCAL CD
    Online Bank
    -
    $50,000
    6 Month
    5.15%
    12.97x (National Avg. - 0.40%)
    $1,000
    -
    SCENARIO
    Year Rate
    5.15%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,575 1,803
    2 52,575 2,708 1,895
    3 55,283 2,847 1,993
    4 58,130 2,994 2,096
    5 61,123 3,148 2,203
    6 64,271 3,310 2,317
    7 67,581 3,480 2,436
    8 71,062 3,660 2,562
    9 74,721 3,848 2,694
    10 78,569 4,046 2,832
    11 82,616 4,255 2,978
    12 86,870 4,474 3,132
    13 91,344 4,704 3,293
    14 96,049 4,946 3,463
    15 100,995 5,201 3,641
    16 106,196 5,469 3,828
    17 111,665 5,751 4,026
    18 117,416 6,047 4,233
    19 123,463 6,358 4,451
    20 129,821 6,686 4,680
    TOTAL $86,507 $60,555
  • 3
    LOCAL CD
    Online Bank
    -
    $50,000
    12 Month
    5.20%
    9.42x (National Avg. - 0.55%)
    $1,000
    -
    SCENARIO
    Year Rate
    5.20%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,600 1,820
    2 52,600 2,735 1,915
    3 55,335 2,877 2,014
    4 58,213 3,027 2,119
    5 61,240 3,184 2,229
    6 64,424 3,350 2,345
    7 67,774 3,524 2,467
    8 71,298 3,708 2,595
    9 75,006 3,900 2,730
    10 78,906 4,103 2,872
    11 83,009 4,316 3,022
    12 87,326 4,541 3,179
    13 91,867 4,777 3,344
    14 96,644 5,025 3,518
    15 101,669 5,287 3,701
    16 106,956 5,562 3,893
    17 112,518 5,851 4,096
    18 118,369 6,155 4,309
    19 124,524 6,475 4,533
    20 130,999 6,812 4,768
    TOTAL $87,811 $61,468