Citizens National Bank

Citizens National Bank is the sort of bank people usually think of first when they want checking, savings, loans and a human-sized branch relationship. By our assessment, it is strongest as a plain retail bank: clear accounts, everyday lending and the kind of local-service feel that makes routine banking less remote. The trade-off is that this style can be conservative, with fewer bells and whistles than a heavily digital competitor. In practice, it is all about deposits, transfers, cards and the small paperwork that comes with borrowing or opening accounts, usually in a fairly traditional setting. Citizens National Bank sits closer to the community-bank end than to the fintech end, and that is exactly the point of it.