The Citizens National Bank of Bluffton

Headquarters

102 South Main Street
Bluffton, OH 45817
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 1.60% →
1-Year CD 0.20% 1.55% →
2-Year CD 0.40% 1.45% →
5-Year CD 1.00% 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

The Citizens National Bank of Bluffton is an FDIC insured institution located in Bluffton, OH. It was founded in 1920 and has approximately $0.88 billion in assets. Customers can open an account at one of its 11 branches.

FDIC Insured Yes
FDIC Certificate # 6531
Date Established 1920
Assets $ 877.48 million
Loans $ 703.08 million
Deposits $ 589.28 million
Capital $ 91.34 million
 

For a more detailed analysis of The Citizens National Bank of Bluffton's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 1, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.01% $2,500 $7,499 Learn More
Money Market
0.03% $5,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.05% $500 - Learn More
6 Mo CD
0.10% $500 - Learn More
12 Mo CD
0.20% $500 - Learn More
18 Mo CD
0.30% $500 - Learn More
24 Mo CD
0.40% $500 - Learn More
30 Mo CD
0.45% $500 - Learn More
36 Mo CD
0.50% $500 - Learn More
60 Mo CD
1.00% $500 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.16% $1 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $7,499 Learn MoreShow Less

Online Only Savings Rates of CNB Bank Direct

Online Savings Rates APY MIN MAX
SAV 0.1K
0.26% $100 - Learn More

Bank Online Offers


Loan Rates - June 1, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for The Citizens National Bank of Bluffton

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.952% 2.875% 1.00 $2,485 $1,038 Learn More

Note to The Citizens National Bank of Bluffton
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

The Citizens National Bank of Bluffton branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


The Citizens National Bank of Bluffton Locations


Financial Details

The Citizens National Bank of Bluffton Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Citizens National Bank of Bluffton. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
3.500 %
$0 Learn More
More Info
The Citizens National Bank of Bluffton U.S. Bank Average
0.88% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, The Citizens National Bank of Bluffton had $894,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $91,343,000 in equity and $10,388,000 in loans loss reserves. That gives it a Texas Ratio of 0.88%.

Return on Equity
The Citizens National Bank of Bluffton U.S. Bank Average
20.57% 9.41%

The Citizens National Bank of Bluffton has a Return on Equity of 20.57% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Citizens National Bank of Bluffton U.S. Bank Average
10.41% 12.82%

The Citizens National Bank of Bluffton has a Capitalization of 10.41% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Citizens National Bank of Bluffton Balance Sheet Analysis

As of December 31, 2019, The Citizens National Bank of Bluffton had assets of $877,477,000, loans of $703,084,000, and deposits of $589,281,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 19.31 million
Interest-bearing balances $ 7.86 million
Total securities $ 132.09 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 703.08 million
Loan loss allowance $ 10.39 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.11 million
All other assets $ 9.63 million
     Total Assets $ 786.13 million
LIABILITIES
Total deposits $ 589.28 million
      Interest-bearing deposits $ 456.70 million
      Deposits held in domestic offices $ 589.28 million
      % insured (estimated) 75.13%
Federal funds purchased and repurchase agreements $ 2.00 million
Trading liabilities N.A.
Other borrowed funds $ 192.20 million
Subordinated debt N.A.
All other liabilities $ 2.66 million
      Total Liabilities $ 786.13 million
      Shareholders’ Equity $ 91.34 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 41.23 million
Total Interest Expense $ 8.66 million
Net interest income $ 32.57 million
Provision for loan and lease losses $ 0.45 million
Total non interest income $ 6.20 million
Total non interest expense $ 20.71 million
Pre-tax Net Operating Income $ 17.61 million

Bank Loan Profile?

The top three loan types in The Citizens National Bank of Bluffton’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Ohio, The Citizens National Bank of Bluffton has a significantly higher percent of Commercial Real Estate, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 11.50
Multifamily
Mortgages
4.08
Credit Card Loans 0.19
Consumer Auto Loans 0.09
Small Business Loans 15.59
Construction and Development Loans 4.78
Commercial Real Estate 48.09
Commercial and Industrial Loans 11.79
Farm Loans 6.95

Frequently Asked Questions About The Citizens National Bank Of Bluffton

Branches and Savings

Is The Citizens National Bank Of Bluffton FDIC insured?

Yes. It is covered under FDIC Certificate #6531.

Why does The Citizens National Bank Of Bluffton pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Citizens National Bank Of Bluffton CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Citizens National Bank Of Bluffton a commercial bank?

Yes

Where are The Citizens National Bank Of Bluffton locations?

See branch locations nearby.

Is The Citizens National Bank Of Bluffton open on Saturdays?

Is The Citizens National Bank Of Bluffton open on Sundays?

What time does The Citizens National Bank Of Bluffton open?

What time does The Citizens National Bank Of Bluffton close?

Are The Citizens National Bank Of Bluffton ATMs Open 24/7?

Do The Citizens National Bank Of Bluffton ATMs accept cash deposits?

Can The Citizens National Bank Of Bluffton customers use other ATMs?

Do The Citizens National Bank Of Bluffton branches have notaries?

Will The Citizens National Bank Of Bluffton notarize my document?

What address for The Citizens National Bank Of Bluffton should I put for incoming ACH transfers?

Will the The Citizens National Bank Of Bluffton branch print checks?

Do The Citizens National Bank Of Bluffton checks expire?

Does The Citizens National Bank Of Bluffton require US citizenship to open account?

Can The Citizens National Bank Of Bluffton close my account?

Does The Citizens National Bank Of Bluffton Report to credit bureaus?

Does The Citizens National Bank Of Bluffton Use Equifax?

What is The Citizens National Bank Of Bluffton's ACH Routing Number?

What is The Citizens National Bank Of Bluffton's SWIFT code?

Products

Does The Citizens National Bank Of Bluffton offer mortgages?

Compare mortgage rates here.

Does The Citizens National Bank Of Bluffton offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Citizens National Bank Of Bluffton offer personal loans?

Compare personal loan rates here.

Does The Citizens National Bank Of Bluffton offer student loans?

Will The Citizens National Bank Of Bluffton cash a check?

Will The Citizens National Bank Of Bluffton redeem a savings bond?

Does The Citizens National Bank Of Bluffton cash savings bonds?

Will The Citizens National Bank Of Bluffton cash money orders?

Can The Citizens National Bank Of Bluffton issue a money order?

Does The Citizens National Bank Of Bluffton do currency exchange?

Background on The Bank

Who owns The Citizens National Bank Of Bluffton?

How long has The Citizens National Bank Of Bluffton been around?

Can The Citizens National Bank Of Bluffton transfer to other banks?

Does The Citizens National Bank Of Bluffton have quick pay?

Does The Citizens National Bank Of Bluffton accept rolled coins?

Will The Citizens National Bank Of Bluffton accept loose change?

Where is The Citizens National Bank Of Bluffton headquarters?

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