Headquartered in Bluffton, Ohio, The Citizens National Bank of Bluffton is a national bank with $1.1B in total assets and $863.6M in deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1920.
The Citizens National Bank of Bluffton has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 68th. Earnings contributes the most (100/100, 2.45%); funding & liquidity contributes the least (29/100, 101% loans-to-deposits, 43% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (76 → 71), mostly because the loan quality component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 79 |
| Q4 2024 | 78 |
| Q1 2025 | 77 |
| Q2 2025 | 76 |
| Q3 2025 | 74 |
| Q4 2025 | 72 |
| Q1 2026 | 72 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.91% |
| Q3 2024 | 10.91% |
| Q4 2024 | 11.21% |
| Q1 2025 | 11.37% |
| Q2 2025 | 11.13% |
| Q3 2025 | 11.19% |
| Q4 2025 | 11.43% |
| Q1 2026 | 11.44% |
| Q2 2026 | 11.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.16% |
| Q1 2025 | 0.11% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.62% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.66% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.00% |
| Q3 2024 | 2.00% |
| Q4 2024 | 2.05% |
| Q1 2025 | 2.37% |
| Q2 2025 | 2.49% |
| Q3 2025 | 2.43% |
| Q4 2025 | 2.43% |
| Q1 2026 | 2.39% |
| Q2 2026 | 2.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $1.1B | 11.02% | 0.66% | 2.45% | 100.7% |
| Q1 2026 | 72 | $1.1B | 11.44% | 0.68% | 2.39% | 101.3% |
| Q4 2025 | 72 | $1.1B | 11.43% | 0.62% | 2.43% | 107.7% |
| Q3 2025 | 74 | $1.1B | 11.19% | 0.43% | 2.43% | 100.9% |
| Q2 2025 | 76 | $1.1B | 11.13% | 0.11% | 2.49% | 104.9% |
| Q1 2025 | 77 | $1.1B | 11.37% | 0.11% | 2.37% | 100.6% |
| Q4 2024 | 78 | $1.1B | 11.21% | 0.16% | 2.05% | 105.5% |
| Q3 2024 | 79 | $1.0B | 10.91% | 0.13% | 2.00% | 102.0% |
| Q2 2024 | 78 | $1.0B | 10.91% | 0.12% | 2.00% | 104.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Liberty Savings Bank, F.S.B.Bank Wilmington, OH | 52 out of 100, Below average | $1.1B | 9.6% | 1.42% | vs |
| The North Side Bank and Trust CompanyBank Cincinnati, OH | 74 out of 100, Strong | $1.2B | 11.2% | 0.10% | vs |
| First State BankBank Winchester, OH | 70 out of 100, Strong | $1.2B | 10.5% | 0.86% | vs |
| The Merchants National BankBank Hillsboro, OH | 64 out of 100, Moderate | $1.3B | 8.9% | 0.53% | vs |
| Consumers National BankBank Minerva, OH | 65 out of 100, Moderate | $1.3B | 8.4% | 0.07% | vs |
| The Commercial and Savings Bank of Millersburg, OhioBank Millersburg, OH | 69 out of 100, Moderate | $1.3B | 10.2% | 0.84% | vs |
Deposit insurance
Is my money safe at The Citizens National Bank of Bluffton?
Yes. The Citizens National Bank of Bluffton is an FDIC-insured institution (FDIC certificate #6531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 42.9% of deposits ($370.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
12 locations
Branches
The Citizens National Bank of Bluffton lists 9 offices in 9 cities. Most locations:
- Bluffton, OH (1)
- Celina, OH (1)
- Defiance, OH (1)
- Elida, OH (1)
- Findlay, OH (1)
- Lima, OH (1)
- Springfield, OH (1)
- Toledo, OH (1)
- Van Wert, OH (1)
HMDA 2025
Mortgage lending
In 2025, The Citizens National Bank of Bluffton reported 344 home-loan applications under HMDA (LEI 549300HNMUG8WS7JLL28): 261 originated ($69,565,000 total), 30 denied, and 47 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Citizens National Bank of Bluffton
- Type
- National bank
- FDIC certificate #
- 6531
- RSSD ID
- 738013
- Primary regulator
- OCC
- Holding company
- Citizens Bancshares Inc
- Established
- January 13, 1920
- Headquarters
- 102 S Main St, Bluffton, OH 45817
- Website
- www.cnbohio.com
- Employees
- 160
Quick answers
The Citizens National Bank of Bluffton: common questions
Is The Citizens National Bank of Bluffton FDIC insured?
Yes. The Citizens National Bank of Bluffton is an FDIC-insured institution (FDIC certificate #6531). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens National Bank of Bluffton's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Citizens National Bank of Bluffton ever failed?
There is no failure record for FDIC certificate #6531 in the FDIC failed bank list.
How many branches does The Citizens National Bank of Bluffton have?
12 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bluffton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Millstream Area Credit UnionCredit union Findlay, OH | 82 out of 100, Strong | $70.8M | 12.6% | 0.66% | vs |
| The First Citizens National Bank of Upper SanduskyBank Upper Sandusky, OH | 78 out of 100, Strong | $389.9M | 12.6% | 0.01% | vs |
| Usx Federal Credit UnionCredit union Cranberry Twp, PA | 78 out of 100, Strong | $258.1M | 12.5% | 0.18% | vs |
| Nickel Steel Federal Credit UnionCredit union Lima, OH | 76 out of 100, Strong | $5.2M | 33.1% | 0.42% | vs |
| The Fort Jennings State BankBank Fort Jennings, OH | 75 out of 100, Strong | $285.8M | 12.7% | 1.09% | vs |