Citizens National Bank

Citizens National Bank -

Customer Testimonial

We love to hear from our customers!

Excellent customer service is what we strive for every day – and here’s an excerpt from a letter that we call a success story …


Brenda and I love being customers of Citizens National Bank and have ever since we first met you almost four years ago. Your friendly smile, caring nature, and can-do approach to solving our financial needs is contagious – we see it in every banking associate we meet in your bank.

Building our dream

Celebrate 85 Years, with NO payments for 85 days!*


Personal Loans with NO Loan Payments for 85 Days!*

A Happy Birthday Special from Citizens National Bank!


Turn to us for your next …

• Vacation
• Vehicle, motorcycle, ATV, boat, or motorhome, and more!

Call or stop in and talk with a lender today!

Download an application now! cnb-blog-header-logo4.jpg

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877-566-2621 ♦ 

*Offer good through December 31, 2015. Standard credit qualifications apply. Subject to credit approval. Real estate loans are not eligible for this offer.

Choose A Bank

What Small Businesses Look For In A Bank.

Choosing a bank for your personal money management is usually a pretty straightforward process. On the other hand, choosing a bank for your company entails a different mind-set and a different criteria. Raddon Financial Group’s Spring 2014 Small Business Survey asked 1200 business owners what they value in a primary financial institution (PFI). The results offer four things that can help guide you to the best decision.

1. Dont be rate-driven. Be relationship-driven.
By far the most important thing to businesses in their banking relationship is service quality (93% rank it as their most important criteria). So take the time to get to know who you’ll be working with. Get references from companies that have been customers of the bank for at least a year.

2. Location still matters.
Even though you may not often physically go to the bank, proximity to a bank’s physical location and convenient branch hours are valued by 85% of small business respondents.

3. Online banking is a deal breaker.
More than 8 of 10 respondents identified the importance of online banking services in their choice of PFI. To make sure the online services you’ll be getting match the online services you want, send your primary online banking user to a detailed demo, so he/she can experience features and benefits – and be sure to ask what kind of tech support is available.

4. Consider ownership and management
Half the survey respondents listed local ownership/management as extremely or very important. So you need to consider how this attribute affects you and your company, particularly in terms of relationship depth and responsiveness.

Follow these tips, do your research, take your time, and you’ll be very likely to select a bank – and a banker – you can partner with for years to come. At CNB, we’re proud to partner with businesses in East Texas, and we’re proud to keep you informed and earn your business every day. If any of us on the CNB business banking team can be helpful to you, please call or email us today!

Learn More about what Citizens National Bank can do for you!

How Many Banks Should Your Business Use?


Would it surprise you to know that, when asked, 73% of small businesses said it was important to have one banking provider? Even businesses currently using two or more providers reinforced the importance of using one financial institution.

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As a business owner, you know the importance of a strong relationship with your bank. Deciding on a banking strategy, one bank, two banks or many banks, obviously depends on your unique business structure; how you organize your funds, past and current business relationships, funding source needs, and more. Whether you use one or multiple financial institutions, it’s important to review this decision on a regular basis and align your financial resources with your goals as you move your business forward.

Making the Case for One Bank

  • Simplicity – One bank, means one place to visit, and less account, contact, and login information to keep track of.
  • Relationship pricing – Enjoy the discounted pricing and leverage you may receive for keeping all your business under one roof.
  • Products just for you – Many banks offer premier personal products and services designed specifically for their business clients.

 Making the Case for Multiple Banks

  • Your comfort level – Many businesses simply aren’t comfortable using one financial institution.
  • A better rate – You can shop and take advantage of more rate options.
  • Niche products – Due to the industry you serve, your business may need a specialized product not offered at your primary financial institution.


Before deciding which is best for your business right now, take time to compare of the all actual costs and inconveniences of either outcome. The answer may surprise you.


Learn more about what Citizens National Bank can do for you!

3 Reasons to Consider a 10-Year Fixed Mortgage


When rates are low like they are now, shorter mortgage terms become an increasingly enticing alternative to the longer 15- and 30-year mortgage loans. Although the monthly payment can be much higher, for some being mortgage-free faster may be worth it.

With a 3.51% APR*, 10-year fixed mortgage, you could enjoy:

  1. Building equity faster
  2. Locking in a lower interest rate
  3. Saving money in interest and mortgage insurance

If you’re interested, our website is a good place to get started.

Try our mortgage calculator or fill out an application online today!

*Annual Percentage Rate (APR) subject to change without notice and based on a first lien for an owner-occupied, single-family residence, maximum combined loan to value of 85%, a credit score of 720 or higher, direct deposit to a CNB checking account and automatic payments from that account. For a $100,000 loan at an interest rate of 3.25% and 3.51% APR, the estimated monthly payment would be $977.19 for 120 months. Payments do not include amounts for taxes and insurance premiums and the actual total payment obligation may be greater. Subject to credit approval and program qualifications.