Question 1

What is Citizens National Bank of Woodsfield?

Accepted Answer

Citizens National Bank of Woodsfield is a community-focused national bank serving rural communities in southeastern Ohio. With approximately $144.7 million in assets and four full-service branches, the bank provides traditional banking services to Monroe County and surrounding areas.

Established in 1933 during the Great Depression, the bank was founded by approximately forty local citizens to fill the banking void left by the liquidation of The First National Bank of Woodsfield. The institution emphasizes integrity, hard work, and personalized banking services that reflect small-town values.

Question 2

When was Citizens National Bank of Woodsfield founded?

Accepted Answer

Citizens National Bank of Woodsfield was organized in 1933 by approximately forty citizens of Woodsfield following the liquidation of The First National Bank of Woodsfield. The bank's name was selected by ballot from several names submitted for consideration by the organizing group.

The bank was granted a national bank charter on November 28, 1933, and opened its doors for business on December 7, 1933, with $50,000 in capital. This founding took place during one of the most challenging periods in American banking history, reflecting the community's determination to maintain local banking services.

Since its opening, the bank's capital has grown to over $10 million, demonstrating steady, conservative growth over nine decades of operation.

Question 3

Where is Citizens National Bank of Woodsfield headquartered?

Accepted Answer

Citizens National Bank of Woodsfield is headquartered in Woodsfield, Ohio. The main office is located at 143 South Main Street in downtown Woodsfield, the county seat of Monroe County in southeastern Ohio.

Question 4

Where does Citizens National Bank of Woodsfield operate?

Accepted Answer

Citizens National Bank of Woodsfield operates four full-service branches in Monroe County, Ohio. The bank maintains locations in Woodsfield (main office), Sardis, Barnesville, and Quaker City.

The bank began expanding beyond its original Woodsfield location in 1977 when it opened a branch in Sardis. Further growth came with the Barnesville branch in 2007 and the Quaker City branch in 2012. This strategic expansion has allowed the bank to serve a broader region of southeastern Ohio while maintaining its community banking focus.

Question 5

What services does Citizens National Bank of Woodsfield offer?

Accepted Answer

Citizens National Bank of Woodsfield offers comprehensive personal and business banking services tailored to the needs of rural Ohio communities. Personal banking products include regular checking accounts, savings accounts, money market accounts, certificates of deposit, and Christmas Club savings accounts.

Lending services encompass residential mortgages, home equity loans and lines of credit, consumer loans, and agricultural financing. Business banking services include commercial lending, business checking and savings accounts, and specialized agricultural lending programs.

Digital banking services include online banking, mobile banking through the CNB MobileBank app (available for iPhone and Android), bill payment services, and electronic statements. The bank also offers debit cards, credit cards, and ATM services to provide convenient access to funds.

Question 6

What makes Citizens National Bank of Woodsfield unique?

Accepted Answer

Citizens National Bank of Woodsfield distinguishes itself through exceptional stability and continuity of leadership. Since opening in 1933, the bank has had only seven presidents, demonstrating remarkable consistency in management philosophy and community commitment. The current board of directors has a combined experience of over 100 years at the bank.

The bank's assets have grown from zero at inception to over $140 million, while staff has expanded from seven to over thirty employees. This measured, sustainable growth reflects conservative banking practices and a focus on long-term relationships rather than rapid expansion.

The institution was formed through community action during the Great Depression, and this cooperative spirit continues to define its operations. Citizens National Bank of Woodsfield emphasizes that it is a community bank built by the community of Woodsfield, with a shared mindset focused on supporting local businesses and strengthening community bonds.

Question 7

What type of financial institution is Citizens National Bank of Woodsfield?

Accepted Answer

Citizens National Bank of Woodsfield is a federally-chartered national bank regulated by the Office of the Comptroller of the Currency (OCC). As a national bank, it operates under federal banking laws while maintaining its focus on community banking principles.

The bank is a member of the Federal Reserve System and operates as the banking subsidiary of CNB Bancorp, Inc., a bank holding company formed in 1995. This structure provides additional financial strength while preserving local control and decision-making that characterizes community banking.

Citizens National Bank of Woodsfield

in the United States 🇺🇸

Crypto-Friendliness

All done!

About Citizens National Bank of Woodsfield in the United States