New & Improved Citizens Commerce Mobile Banking App is here!

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.

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.


Ruggles Sign

Having a good banking relationship is vital in operating our business, not only for our everyday needs, but on a long term basis. Citizens Commerce National Bank (CCNB) has always been very supportive and helpful to us in growing our business. We especially appreciate the “hands on” service and knowing the names, along with the faces of the wonderful folks at CCNB.
Anna Cambron, Owner & CFO


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