The Citizens National Bank of Bluffton
Bluffton, OH · Owner: Citizens Bancshares Inc
$1.1B
total assets, June 30, 2026
$1.1B
total assets, June 30, 2026
The Citizens National Bank of Bluffton is a national bank based in Bluffton, OH, owned by Citizens Bancshares Inc. As of June 30, 2026 it held $1.1 billion in assets and $863.6 million in deposits; assets were up 3.6% from a year before. It has 12 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.1B
+3.6% in a year · +2.4% in a quarter
Deposits
$864M
+7.2% in a year · +2.0% in a quarter
Loans
$883M
+2.9% in a year · +1.4% in a quarter
Profit so far
$13.3M
Jan 1 to Jun 30, 2026 · +0.7% in a year
Capital ratio
11.02%
-0.11 pts in a year
Return on assets
2.45%
-0.04 pts in a year
Facts
- Type
- National bank
- Head office
- 102 S Main St, Bluffton, OH, 45817
- County
- Allen
- Holding company
- Citizens Bancshares Inc
- Established
- Jan 13, 1920
- Employees
- 160
- Branches
- 12
- Website
- www.cnbohio.com
- Id
- b6531
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
12 offices as of June 30, 2026, holding $863.6 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Ohio | 12 | $864M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| The Citizens National Bank Of Bluffton (main office) | Bluffton, OH | $228M |
| Lima Branch | Lima, OH | $163M |
| Van Vert Branch | Van Wert, OH | $150M |
| Celina Branch | Celina, OH | $101M |
| Springfield Branch | Springfield, OH | $76.2M |
| Defiance Branch | Defiance, OH | $52.8M |
| Findlay Branch | Findlay, OH | $45.4M |
| Elida Branch | Elida, OH | $36.8M |
| Toledo Branch | Toledo, OH | $11.2M |
| South Main Street Branch | Bluffton, OH | $0 |
Related pages
Questions and answers
How big is The Citizens National Bank of Bluffton?
$1.1 billion in total assets and $863.6 million in deposits as of June 30, 2026, with assets up 3.6% from a year before. Its loans were $882.7 million.
How many branches does The Citizens National Bank of Bluffton have?
12 branches in Ohio as of June 30, 2026.
Is The Citizens National Bank of Bluffton profitable?
Yes: it earned $13.3 million from January 1 to June 30, 2026 (up 0.7% from the same months a year before). Its return on assets was 2.45% a year; about 1% is typical.
Who owns The Citizens National Bank of Bluffton?
The Citizens National Bank of Bluffton is owned by Citizens Bancshares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.