Question 1

What is Citizens National Bank (CNB)?

Accepted Answer

Citizens National Bank (CNB) is a community-focused commercial bank headquartered in Greenleaf, Kansas. With approximately $221 million in assets and seven full-service branches across North Central and Northeast Kansas, CNB specializes in agricultural banking while also serving retail and commercial customers.

The bank operates as a national charter regulated by the Office of the Comptroller of the Currency (OCC) and maintains FDIC insurance for all deposits. CNB has been family-owned and operated by the Padgett family for over a century, maintaining its commitment to personalized community banking.

Question 2

When was Citizens National Bank (CNB) founded?

Accepted Answer

Citizens National Bank was founded on September 17, 1915, in Greenleaf, Kansas, just one year after the outbreak of World War I. John M. Padgett was one of the primary organizers and served as the bank's first cashier.

The bank was established to serve the agricultural community of Washington County and surrounding areas during a period of significant economic growth in rural Kansas. John Padgett became president in 1932, shortly before the Great Depression's deepest point, and notably managed to keep the bank open during the 1933 bank moratorium that closed most financial institutions across the country.

Question 3

Where is Citizens National Bank (CNB) headquartered?

Accepted Answer

Citizens National Bank is headquartered in Greenleaf, Kansas, a small community in Washington County in north-central Kansas. The main office is located at 417 Commercial Street, maintaining the bank's original home community where it was founded in 1915.

Question 4

Where does Citizens National Bank (CNB) operate?

Accepted Answer

CNB operates seven branches across North Central and Northeast Kansas, serving both rural agricultural communities and growing suburban areas. The bank's locations include:

North Central Kansas: Greenleaf (headquarters), Concordia, Belleville, and Clay Center

Northeast Kansas: Lansing and Leavenworth

The bank expanded from its single Greenleaf location through strategic acquisitions, including Cloud County Bank in 1992 (adding Concordia and Belleville), First State Bank of Lansing in 1996 (adding Lansing and Leavenworth), and the Clay Center facility from Intrust Bank in 2002. CNB also operates multiple ATM locations throughout its service area, including facilities in Hanover.

Question 5

What services does Citizens National Bank (CNB) offer?

Accepted Answer

CNB provides a comprehensive range of banking services tailored to both agricultural and traditional banking customers:

Deposit Services: Checking accounts, savings accounts, certificates of deposit, and money market accounts

Lending Services: Agricultural loans, commercial real estate financing, residential mortgages, equipment loans, operating lines of credit, and consumer loans. The bank has particular expertise in farm and ranch financing, including livestock financing, crop inputs, and land purchases.

Digital Banking: Mobile banking app with account management, mobile check deposit, bill pay, fund transfers, and account alerts. The app is available 24/7/365 and supports features like CardValet for debit card controls and ATM locators.

Additional Services: Insurance services through affiliated agents, online banking with Quicken/QuickBooks integration, wire transfers, and wealth management consultation

Question 6

What makes Citizens National Bank (CNB) unique?

Accepted Answer

CNB stands out through its century-long family ownership and deep agricultural expertise. The bank has been owned and operated by four generations of the Padgett family, with current leadership including Gary Padgett as Chairman, Brent Padgett as President and CEO, and Brad Padgett as Senior Loan Officer and COO.

Agricultural Specialization: The FDIC classifies CNB with an agricultural specialization, reflecting its deep roots in serving farming and ranching communities. This expertise has been passed down through generations of family leadership who understand the unique financial needs of agricultural businesses.

Resilient History: CNB demonstrated exceptional stability by remaining open during the 1933 bank moratorium when most banks were forced to close, establishing a reputation for financial strength that continues today.

Strategic Growth: Rather than pursuing rapid expansion, CNB has grown methodically through carefully selected acquisitions that align with its community banking philosophy, expanding from a single location to seven branches over more than a century while maintaining its personalized service approach.

Question 7

What type of financial institution is Citizens National Bank (CNB)?

Accepted Answer

Citizens National Bank is a National Bank with a federal charter. This designation means the bank operates under federal banking regulations and is supervised by the Office of the Comptroller of the Currency (OCC).

As a national bank, CNB is also a member of the Federal Reserve System and maintains FDIC insurance on all deposits. The institution classifies as a commercial bank, offering both commercial and retail banking services, with a particular concentration in agricultural lending that reflects its rural Kansas market area. Despite its national charter, CNB operates as a true community bank with local ownership and decision-making centered in the communities it serves.

Citizens National Bank (CNB)

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About Citizens National Bank (CNB) in the United States