Let us help you build your dream home!

Call Denny Wilson today and he’ll guide you through the process and find the best construction loan option for you!

Local Banking…
Local Decisions

At Citizens Commerce National Bank we offer a variety of loan products with competitive rates, fast approval and experienced loan officers to help meet your lending needs. Apply online or visit any branch to meet with one of our loan officers.

CCNB Mobile Banking App - Banking anywhere, anytime!

Your life is mobile. Your bank is too! CCNB Mobile Banking puts 24/7 banking in the palm of your hand, allowing you to check account balances, transfer funds, pay bills, manage your debit card and deposit checks anywhere, anytime. Download the app today!

Fixed rate home loans as low as 2.761% APR.

Inquire at any branch location for product details.

NMLS #509439. All loans subject to credit underwriting and approval. Offer available for conventional secondary market transactions up to $417,000. Rate effective as of 7/26/16 and may vary. 120 monthly payment of $9.48 per $1,000 borrowed. Payment amount does not include amounts for taxes and insurance which will make the actual payment obligation greater.

Customer Testimonials

Our clients say it best. Read about their banking experience with Citizens Commerce National Bank.


Boyd Orchards

From a 100% satisfied customer, I thank Citizens Commerce for a job well done! My visits always start with friendly greetings from all the staff and end with having all my banking needs fulfilled in the same friendly, but professional manner.
Terry Boyd, Owner


Brookdale Farm

Citizens Commerce has been my bank for the past decade. They always bend over backwards for me whenever I need anything. You would never hear the phrase “we can’t do that” at Citizens Commerce. I’m delighted with the service and everyone is always very pleasant and eager to help.
Joe Seitz, Director of Sales, Brookdale Farm


Bluegrass Staking Service, Inc.

I love the personal service I get from our bank! Anytime I have a question or concern I can just pick up the phone and speak to a real person who actually understands and even seems to care. This is my bank…for my personal AND business needs!
-Tina Freibert, Owner