MonitorBankRates
☰
  1. Home›
  2. Banks›
  3. Citizens National Bank of Bluffton
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Citizens National Bank of Bluffton Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Citizens National Bank of Bluffton's Credit Card Rates are at 11.75%. MonitorBankRates evaluates the financial stability of Citizens National Bank of Bluffton with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.51%. Rates last updated and verified on 11/05/2026.

Citizens National Bank of Bluffton money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens National Bank of Bluffton? Share your experience about Citizens National Bank of Bluffton by leaving a review below, or read customer reviews before you decide to use Citizens National Bank of Bluffton.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.51%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
The Citizens National Bank of Bluffton
102 S Main St
Bluffton, OH 45817
https://www.cnbohio.com
MemberFDIC
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Citizens National Bank of Bluffton Credit Card Rates

Product Rate APR View More
Platinum Visa Credit Card - 11.75%
Details Variable APR based on Prime Rate; APR for Purchases 11.75%; APR for Balance Transfers 11.75%; APR for Cash Advances 11.75%; Minimum interest charge $1.00
Last Updated 11/05/2026
Rate History
No change since Oct 22, 2026 · 11.75% APR · checked 5 times
11.25%11.75%12.25%Oct 22, 2026: 11.75% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.51%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

Citizens National Bank of Bluffton’s Texas Ratio rose from 3.99% in Q3 2023 to 5.51% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.9% 2.0★ 3.7% 3.0★ 5.6% 4.0★ 7.4% 5.0★ Healthy zone – entire history below the 15% limit 3.99% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 5.51% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.1B5.51%5.0A+
March 31, 2026$1.1B5.47%5.0A+
December 31, 2025$1.1B4.94%5.0A+
September 30, 2025$1.1B3.52%5.0A+
June 30, 2025$1.1B0.98%5.0A+
March 31, 2025$1.1B0.88%5.0A+
December 31, 2024$1.1B1.41%5.0A+
September 30, 2024$1.0B1.11%5.0A+
June 30, 2024$1.0B1.09%5.0A+
March 31, 2024$1.0B1.30%5.0A+
December 31, 2023$1.0B4.46%5.0A+
September 30, 2023$987M3.99%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens National Bank of Bluffton is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens National Bank of Bluffton rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens National Bank of Bluffton's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Citizens National Bank of Bluffton
Website https://www.cnbohio.com
Address 102 S Main St, Bluffton, OH 45817  ·  Allen
Bank Holding Company CITIZENS BANCSHARES INC
FDIC Certificate # 6531
Regulator OCC
Established January 13, 1920
FDIC Insurance Date January 1, 1934
Domestic Offices 12
Total Branches 12
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.51%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
2.4510%
Return on Equity (ROE)
24.8200%
Non-Performing Loans Ratio (NPL)
0.53%
Total Assets
$1,103,400,000
Total Deposits
$863,611,000
Equity Capital
$105,628,000
Net Income
$13,307,000
Headquarters
Bluffton
Total Branches and Offices
12
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Citizens National Bank of Bluffton earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/citizens-national-bank-of-bluffton-rates-review-6531">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Citizens National Bank of Bluffton yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Citizens National Bank of Bluffton
Your Name:
Your Rating:

Frequently Asked Questions About Citizens National Bank of Bluffton

What is the lowest credit card APR at Citizens National Bank of Bluffton?

The lowest Citizens National Bank of Bluffton credit card APR is its Platinum Visa Credit Card at 11.75% APR, verified by MonitorBankRates as of November 5, 2026.

How many branches does Citizens National Bank of Bluffton operate?

Citizens National Bank of Bluffton currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens National Bank of Bluffton does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens National Bank of Bluffton provides members with tools to manage their accounts and build a solid financial history.

Does Citizens National Bank of Bluffton offer online and mobile banking?

Most modern institutions like Citizens National Bank of Bluffton provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cnbohio.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Citizens National Bank of Bluffton rates compare?

Citizens National Bank of Bluffton's top rate is its Platinum Visa Credit Card at 11.75% APR, verified by MonitorBankRates on November 5, 2026.

Compare to Other Banks

Bank of Forest Logan County Bank PSB Pioneer Savings Bank Middlesex Federal Savings Bank of Louisiana The Peoples Bank Brownstown, IN Woodland Bank Stock Growers Bank Yampa Valley Bank Cumberland Federal Bank, FSB Mnb Bank American Bank and Trust Company, N.A. Bank of the Pacific Currie State Bank Brentwood Bank Partners Bank of California Hometown Bank of Corbin Bruning Bank Patriot Bank State Bank of New Richland Pike National Bank