Citizens National Bank Blog

Community Minded, Customer Focused

Citizens National Bank Blog - Community Minded, Customer Focused

How Many Banks Should Your Business Use?

FACT:

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

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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.

 

Citizens National Bank Named One of the “100 Best Companies to Work For in Texas”

Best Companies LogoCitizens National Bank has been named one of the “100 Best Companies To Work For In Texas” for 2015!   This is a joint initiative of the Texas Association of Business, The Society of Human Resource Management and Texas Monthly Magazine. There are many companies around this very big state who participate in this process, but only the 100 Best are chosen to receive this recognition.

Brad Tidwell, President & CEO of Citizens National Bank states, “The simple truth is, our bank is a great place to work because of the efforts of 380 Employees and Directors. They (each of us) are the company, we either make it a great place to work or not, it is not the other way around. So, this is just one more recognition of what all they do for Citizens National Bank and our customers, shareholders and communities.”

We could not more proud of this recognition for our great company!  Citizens National Bank truly is a great place to work and is now officially one of the “100 Best Companies To Work For In Texas!”

Chandler Branch Manager Celebrates 40 Years with CNB!

Charla Hendrix_2014 CropCongratulations to Charla Hendrix for 40 Years of dedicated service to Citizens National Bank and to Chandler and Henderson County. We look forward to many more years with you at CNB and your continued dedication to your community!

Please join us as we celebrate Charla’s tenure with a reception in her honor on Thursday, October 9th, 2 p.m. in the lobby of the Chandler Branch. Congratulations Charla!

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