The First Citizens National Bank @FCNB

Increased convenience is on the way in Dunkirk! We broke ground on August 19 for a standalone Interactive Teller Machine (ITM) located at 111 South Main Street in Dunkirk, an investment in technology that will deliver expanded banking hours each week in Dunkirk. The groundbreaking event was attended by RCM Architects, CSI Construction, Hardin County Chamber and Business Alliance, Hardin County Commissioner, and representatives from FCNB. Read the full release on our website: tinyurl.com/spm8hm9b #trustedforconvenience

Check out our latest Business Series article on why delaying automation and software upgrades may be costing your business more than you think. tinyurl.com/23hmtcnj #TrustedForBusinessSuccess

🚨 Fraud Alert 🚨 First Citizens National Bank will NEVERcall, text, or email you and ask for: ❌ Online Banking Passwords ❌ Verification or MFA Codes ❌ Debit Card PINs ❌ Full Account Numbers ❌ Security Question Answers If someone contacts you claiming to be from FCNB and asks for this information: ✅ Hang up ✅ Do not provide any information ✅ Call us directly using a trusted phone number When in doubt, contact FCNB directly.

Next up in our Business Series is an article on how Ohio's property tax change could affect your business budget. For many businesses, property taxes may become a larger budgeting consideration over the next several years. Read more on why this matters in Mid-Ohio on our website: tinyurl.com/w7xpaysw #BusinessSeries #Trusted

Is your business ready for the next interest rate shift? Ready or not, it's coming! Check out this month's Business Series article with a few practical steps to keep your business running smoothly. firstcitizensnational.com/are-you-ready-… #TrustedforBusiness

Ohio’s Minimum Wage is Now $11 — What Does That Mean for Your Business? As of January 1, 2026, Ohio’s minimum wage increased to $11 per hour for many employers. While the increase may seem small, the ripple effects can impact payroll, staffing, and pricing decisions. Read more in our latest article: tinyurl.com/3wbs3k53

firstcitizensnational.com/tech-trends-to… For many business owners, technology decisions have become more complex, especially as new tools continue to promise efficiency, automation, and growth. But with that advancement comes cost, learning curves, and risk. Check out our latest Business Series article for tech trends to adopt and avoid in 2026.

Our second Business Series article of 2026, “Is 2026 the Year to Buy or Sell a Business” has been released. If you’re looking to grow your business through acquisition, or approaching retirement and planning to sell, or evaluating what the next stage in your business should look like, this article is for you. You can read the full details on our website: firstcitizensnational.com/is-2026-the-ye… #TrustedForBusinessSuccess

If you run a business with five or fewer employees, you may qualify as a "micro-business" under Ohio's business development programs. More details on how these programs that could connect you and your business with training, matched savings, and expansion support are part of the latest Business Series article available on our website: firstcitizensnational.com/is-your-busine… #Trusted #BusinessSeries

In recent years, Ohio’s healthcare landscape has changed as more independent hospitals and physician groups are joining larger health systems. This trend affects not only how care is delivered but how our local economies function. Check out the latest Business Series article for additional details: firstcitizensnational.com/what-the-shift…

In North Central Ohio and across the state, business owners continue to face a shortage of qualified staff. No matter what industry you’re in, finding skilled workers remains a significant hurdle. Why? Several reasons. Check out the latest Business Series expert article for details and insight on solutions for Ohio businesses facing staffing challenges. Automation and AI: Solutions for Ohio Businesses Facing Staffing Challenges | firstcitizensnational.com/automation-and… #Trusted

We're pleased to share that Frank Reinhard was honored as an Outstanding Volunteer by the Delaware County Foundation at their Evening of Generosity event on Thursday, October 16. Frank has played a vital part in strengthening community organizations with his legacy of volunteer work: delawarecf.org/eveningofgener… #TrustedForCommunity

In our global economy, businesses depend on materials, products, and parts that come from many different countries. The supply chain works smoothly most of the time, but it can be shaken up by unexpected events. Tariffs are one such challenge. Read the latest Business Series article for additional details on strategies for managing supply chain disruptions and tariff-related costs. firstcitizensnational.com/strategies-for… #TrustedForBusinessSuccess

Ohio businesses continue to face a big challenge: there just aren’t enough workers to fill all the open jobs. This labor shortage affects companies of all sizes and industries — from factories in Dayton to tech companies in Cincinnati, to businesses closer to home in Upper Sandusky and Delaware. The next informational article in the Business Series discusses how Ohio businesses can navigate the ongoing labor shorts and strategies to attract and keep employees in a tight job market. tinyurl.com/38py3pfr #TrustedforBusinessSuccess

There's still time to register for the Delaware County Good Deeds Program - Estate Planning How-to-Event on August 22. Breakfast will be served at 7:30am with presentation from 8:00am - 10:00am. Please RSVP to [email protected] by next Friday, August 15. #TrustedForTheFuture #TrustedForCommunity

The medical field is changing fast. Hospitals and large health systems are growing bigger and more private practices are being bought out. As a result, many doctors and healthcare providers worry about losing their independence, not just in how they treat patients, but in how they manage their money and careers. But there is good news. With smart financial planning and the right support, medical professionals can protect their financial future, even during times of change. We’ll share clear, easy-to-follow tips to help doctors and healthcare workers stay in control of their finances and careers, and how a trusted financial institution like First Citizens National Bank can play a key role in supporting those goals. Read the full article on our website: tinyurl.com/cz2dndsc

For many businesses in Ohio and across the country, the cost of doing business is going up. Prices for materials, supplies, rent, and even electricity are all rising. When operational costs go up, it can be harder for small businesses to make a profit. Let’s explore some ways businesses can handle rising costs and how your bank can be a great partner in this process. Read the full informational on how local businesses can offset rising costs through smart financial planning here: tinyurl.com/2nbpxaym #TrustedExperts

Labor shortages are challenging, but they don’t have to stop businesses from growing. First Citizens National Bank is here for you - offering solutions. Read the full article on our website: tinyurl.com/95y3e94v #Trusted