Question 1

What is Greenville National Bank (GNB)?

Accepted Answer

Greenville National Bank (GNB) is a full-service, independent community bank headquartered in Greenville, Ohio. Operating under the trade name GNB Banking Centers since 2019, the bank serves communities across Ohio and Indiana with approximately $617 million in total assets and $518 million in deposits.

As a locally owned institution with 10 branches, GNB focuses on providing straightforward banking products to individuals, businesses, and agri-businesses. The bank is a wholly owned subsidiary of Greenville National Bancorp, a one-bank holding company, and maintains its commitment to local decision-making and community investment.

Question 2

When was Greenville National Bank (GNB) founded?

Accepted Answer

Greenville National Bank was chartered as a National Bank in 1934, during the Great Depression era. The bank was established to serve the residents and businesses of Darke County, Ohio, and surrounding communities during a challenging economic period.

Over its 90-year history, GNB has grown through strategic branch expansions and acquisitions. Key milestones include opening the Gettysburg Branch in 1943, acquiring The Citizens Bank Company of Ansonia in 1976, and acquiring Arcanum National Bank in 1985. The bank expanded into Indiana in 2015 with its Losantville Banking Center, marking its first out-of-state location.

Question 3

Where is Greenville National Bank (GNB) headquartered?

Accepted Answer

Greenville National Bank is headquartered in Greenville, Ohio, located in Darke County. The city of Greenville is situated approximately 100 miles west/northwest of Columbus and about 40 miles north of Dayton, Ohio, near the Ohio-Indiana border.

Question 4

Where does Greenville National Bank (GNB) operate?

Accepted Answer

GNB operates 10 full-service branches across Ohio and Indiana. In Ohio, the bank has a strong presence in Darke County and Miami County, with locations in Greenville, Gettysburg, Ansonia, Arcanum, Bradford, Troy, and Versailles.

The bank expanded into Indiana in 2015, opening a banking center in Losantville, Randolph County. According to FDIC data, GNB holds the largest deposit market share in Darke County at approximately 28%, demonstrating its dominant position in its home market.

Question 5

What services does Greenville National Bank (GNB) offer?

Accepted Answer

GNB offers a comprehensive range of banking services for personal and business customers:

Personal Banking: Savings accounts, checking accounts (including More Rewards Checking with cash back), certificates of deposit, money market accounts, IRAs, and consumer loans.

Business Banking: Business checking and savings accounts, commercial loans, and agricultural lending services for agri-businesses. The bank's primary lending focus includes residential real estate, consumer purpose lending, commercial lending, and agricultural financing.

Digital Services: Free online banking platform with mobile and web apps, mobile wallet integration (Apple Pay, Google Pay, Samsung Pay), bill pay and eBill services, external fund transfers, eStatements and notices, deposit image ATMs, and customizable account alerts via text, email, and in-app messages.

Additional Services: Debit and credit cards with advanced fraud protection, card management features allowing customers to turn cards on/off, and 24/7 fraud monitoring.

Question 6

What makes Greenville National Bank (GNB) unique?

Accepted Answer

Several distinctive features set GNB apart from competitors:

Local Ownership and Decision-Making: As an independent, locally owned bank, GNB makes lending and operational decisions locally, enabling faster response times and personalized service. The bank emphasizes that "hometown people serve hometown people."

Enhanced Security: GNB moved to the secure .bank domain (bankgnb.bank), which provides a higher level of security compared to traditional .com domains, demonstrating the bank's commitment to protecting customer information.

Straightforward Products: GNB deliberately avoids complex or exotic financial products, believing that simpler products better serve customers' long-term financial health and stability.

Community Commitment: The bank actively supports businesses, schools, organizations, and events in every community it serves, with employees providing financial expertise to community development organizations focused on serving low- and moderate-income persons and economic development.

Agricultural Focus: GNB maintains specialized lending programs for agri-businesses, reflecting its roots in rural Ohio communities.

Question 7

What type of financial institution is Greenville National Bank (GNB)?

Accepted Answer

Greenville National Bank is a National Bank, chartered under federal banking regulations and supervised by the Office of the Comptroller of the Currency (OCC). The bank holds FDIC Certificate #13703 and is fully insured by the Federal Deposit Insurance Corporation.

As a community bank, GNB focuses on relationship banking within its local markets rather than pursuing a national retail presence. The bank combines the stability and regulatory oversight of a national charter with the personal service and community focus characteristic of community banking institutions. GNB's business model emphasizes residential real estate lending, consumer lending, and commercial banking services tailored to small businesses and agricultural operations.

Greenville National Bank (GNB)

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About Greenville National Bank (GNB) in the United States