The Citizens National Bank of Bluffton
Bluffton, OH
IDRSSD: 738013
Total Assets
$1.08B
Latest filing
Total Deposits
$794.30M
Latest filing
Net Interest Margin
4.50%
Profitability
Key People
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Locations
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Main Office
The Citizens National Bank of Bluffton
102 S Main St
Bluffton, OH 45817
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/13/1920FDIC Certificate 4369
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The Citizens National Bank of Bluffton (Main) | 102 S Main St | Bluffton, OH |
| SOUTH MAIN STREET BRANCH | 138 South Main Street | Bluffton, OH |
| ELIDA BRANCH | 305 E Kiracofe Ave | Elida, OH |
| LIMA BRANCH | 201 N Main St | Lima, OH |
| LIMA OFFICE DRIVE-THRU BRANCH | 135 N Main St | Lima, OH |
| CNB OPERATIONS CENTER BRANCH | 102 S Main St | Bluffton, OH |
| VAN VERT BRANCH | 1199 Westwood Dr | Van Wert, OH |
| CELINA BRANCH | 601 Grand Lake Rd | Celina, OH |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/13/1920 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45817 |
| State and County Number | 39003 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Lima, OH |
Operational Info
| Number of Employees | 155 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cnbohio.com |
| Data Updated | 01/30/2026 |
| CERT | 6531 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.08B |
| Total Deposits | $794.30M |
| Total Liabilities | $967.78M |
| Total Equity Capital | $108.31M |
| Net Income | $6.51M |
| Net Loans and Leases | $855.86M |
| Assets Per Employee ($Millions) | $6.68M |
| Bank Premises and Fixed Assets | $9.03M |
| Cash and Balances due from Depository Institutions | $19.18M |
| Deposits Held in Domestic Offices | $794.30M |
Key Performance Ratios
| Return on Assets (ROA) | 2.43% |
| Return on Equity (ROE) | 24.43% |
| Net Interest Margin | 4.5% |
| Efficiency Ratio | 50.8% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.066% |
| Earning Assets to total Assets | 96.55% |
Income and Expense
| Total Interest Income | $15.64M |
| Total Noninterest Income | $1.70M |
| Total Interest Expense | $4.02M |
| Total Noninterest Expense | $6.77M |
| Net Interest Income | $11.62M |
| Pre-tax Net Operating Income | $6.54M |
| Provision for Credit Losses | $9.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $167.92M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.55M |
| Total Liabilities and Capital | $1.08B |
Securities
| Securities | $174.91M |
| Available-for-sale debt securities | $174.91M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens National Bank of Bluffton?
$1.08B as of the latest filing.
How much are The Citizens National Bank of Bluffton's total deposits?
$794.30M in total deposits.
Where is The Citizens National Bank of Bluffton located?
Bluffton, OH.
What is the Net Interest Margin?
4.50%.
How many domestic offices does it operate?
12.
When was it established?
01/13/1920.
What is the Return on Assets (ROA)?
2.43%.
How much are total loans and leases?
$855.86M (latest filing).
What is the total interest income (latest filing)?
$15.64M.