Established in 1931, Citizens National Bank is one of the largest, locally owned financial institutions in the northern Lower Peninsula of Michigan. The bank is a full-service, independent institution that offers checking, savings, individual retirement and insured money market accounts. It offers home equity loans, lines of credit and certificates of deposit. Citizens National Bank provides commercial real estate, construction, equipment financing and small business administration loans. Through CNB Financial Services, the bank offers investment, insurance and financial planning solutions. It provides mutual funds, annuities and mortgage-backed securities. The bank operates more than five offices in Cheboygan, Presque Isle and Emmet counties in Michigan. Citizens National Bank is a wholly owned subsidiary of CNB Corporation.
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