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Citizens National Bank of Bluffton

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Citizens National Bank of Bluffton Rates & Review April 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Citizens National Bank of Bluffton rates to other rates in our database, including 12-month CD rates currently at 0.07%, 6-month CD rates at 0.08% and 3-month CD rates at 3.00%. Savings rates are at 0.25% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.97%. All these rates can be compared to Citizens National Bank of Bluffton rates. 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 3.99%. Rates were last updated on 04/23/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.99%

Excellent Lower than avg

Citizens National Bank of Bluffton

102 S Main St
Bluffton, OH 45817

https://www.cnbohio.com

Current Rate Availability

We do not have Citizens National Bank of Bluffton rates right now, but we are constantly updating our database so check back often for updated rates.

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

Institution Name Citizens National Bank of Bluffton

Bank Holding Company CITIZENS BANCSHARES INC

Address 102 S Main St, Bluffton, OH 45817 · Allen

Website https://www.cnbohio.com

FDIC Certificate # 6531

Established 01/13/1920

FDIC Insurance Date 01/01/1934

Domestic Offices 12

Total Branches 12

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.99%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.1394%

Return on Equity (ROE) 24.1100%

Non-Performing Loans (NPL) 0.31%

Total Assets $1,076,098,000

Total Deposits $794,304,000

Equity Capital $108,315,000

Net Income $25,860,000

Headquarters Bluffton

Total Offices 12

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for Citizens National Bank of Bluffton yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Citizens National Bank of Bluffton

Frequently Asked Questions About Citizens National Bank of Bluffton

Is Citizens National Bank of Bluffton a safe place to deposit money?

Yes, Citizens National Bank of Bluffton is considered a safe financial institution. With a Texas Ratio of 3.9934691903005%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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.