We promise to provide an extraordinary, welcoming, friendly banking experience. We celebrate customer and Bank achievements. We will never compromise our integrity as we create a fortress bank for the safety and soundness of our customers and stakeholders. We will continue to be a leader in development and revitalization of our communities as we have done for more than 160 years . Our history is long and stable. Founded in 1860, First Citizens National Bank survived and thrived through many financial storms including the Great Depression. We are the fifth oldest, locally owned, nationally chartered bank remaining in the United States. We have maintained a 5-Star Bauer rating of safety and soundness and have one of the highest capital ratios of any Ohio bank.