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 3.137% 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 9/28/15 and may vary. 120 monthly payment of $9.66 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.


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


Nisshin Automotive Tubing

Our company has been doing business with Citizens Commerce since 2008 when we switched from a “big bank”. As a local community bank, they are extremely attentive to our needs and the service provided is top notch. The products and services they offer are exactly what we need to run our business and have helped us deal with the substantial growth we have achieved over the years and will do so for many years to come.
Steve Migita, President & Hank Okamura, President of Nisshin Holding


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