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Christmas Club Accounts: Account balances will be transferred to the linked checking or savings account on October 1, 2015.

Farm Services Agency (FSA) Loans

As one of the largest agricultural lenders in the state of Ohio, Citizens National Bank works with our farmers to understand their goals and find the most cost-effective way to achieve them. Many times that includes purchasing land. As a preferred lender for Farm Service Agency (FSA), CNB can offer long-term, fixed rates on real estate that may allow farmers to realize their dream of expanding their acreage without stressing their cash flow.

FSA Guarantee Program

Provides Citizens National Bank a guarantee of up to 95 percent of the loss of principal and interest on a loan. Terms available from 90 days up to 30 years for a fixed rate option. Rates are typically lower with this program than traditional loans.


  • Must be the owner or the tenant operator of the farm.
  • Used for both Farm Ownership and Operating purposes.
  • Good option for beginning farmers offering the opportunity for lower down payments. To qualify, the beginning farmer must:
  • (1) have not operated a farm or ranch for more than 10 years
  • (2) meet the loan eligibility requirements of the program to which he/she is applying
  • (3) substantially participate in the operation
  • (4) for FO loan purposes, not own a farm greater than 30 percent of the median size farm in the county
(Note: all applicants for direct FO loans must have participated in business operation of a farm for at least 3 years.)
  • If the applicant is an entity, all members must be related by blood or marriage, and all stockholders in a corporation must be eligible beginning farmers.
  • In order to apply, applicants must supply 3 years of tax returns and financial statements.
  • Notification of approval is usually received within 2 weeks.

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