Total Assets
$1.1B
Total Deposits
$863.6M
Branches
12
Established
1920
The Citizens National Bank of Bluffton is a bank headquartered in Bluffton, Ohio, established in 1920. It holds $1.1B in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Citizens National Bank of Bluffton earns a TFS Financial Health Grade of B+ (85.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
85.5 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Citizens National Bank of BlufftonHQ | 102 S Main St | Bluffton | OH | 11 |
| The Citizens National Bank of Bluffton | 102 S Main St | Bluffton | OH | 21 |
| The Citizens National Bank of Bluffton | 138 South Main Street | Bluffton | OH | 23 |
| The Citizens National Bank of Bluffton | 601 Grand Lake Rd | Celina | OH | 11 |
| The Citizens National Bank of Bluffton | 601 E 2nd St | Defiance | OH | 11 |
| The Citizens National Bank of Bluffton | 305 E Kiracofe Ave | Elida | OH | 11 |
| The Citizens National Bank of Bluffton | 1995 Tiffin Ave | Findlay | OH | 11 |
| The Citizens National Bank of Bluffton | 135 N Main St | Lima | OH | 23 |
| The Citizens National Bank of Bluffton | 201 N Main St | Lima | OH | 11 |
| The Citizens National Bank of Bluffton | 30 Warder St | Springfield | OH | 11 |
| The Citizens National Bank of Bluffton | 3130 Executive Pkwy | Toledo | OH | 11 |
| The Citizens National Bank of Bluffton | 1199 Westwood Dr | Van Wert | OH | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
85.5
Tier 1 capital ratio
11.02%
Return on assets
2.45%
Non-performing loans
0.66%
Efficiency ratio
49.89%
Asset growth (YoY)
3.60%
Columbus, OH
$283.1B
Dover, OH
$994.6M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.