About Us


To report a Lost or Stolen Debit/ATM Card between the hours of 9am-5pm please call (866) 462-2265.

After hours please call (800) 811-8148, select option 3.

Our History

1910 marked the beginning with one location in a single-frame building in Paintsville Kentucky. Today’s Citizens National Bank is one of the largest independently owned and operated community banks in eastern Kentucky, with 11 locations serving seven counties throughout east and northeast Kentucky.

Beginning with one location in a single-frame building, today's Citizens National Bank is the one of the largest independently owned and operated community banks in Eastern Kentucky, with 11 locations serving seven counties throughout east and north east Kentucky.

We take banking personally. From the earliest branch to today's large community of banks, Citizens National Bank has maintained our commitment to preserving the tradition of a caring neighborhood banking center. We are dedicated to providing locally focused financial solutions with personal attention to help our neighbors, families, and businesses continue to prosper today and into the future.

Just in the last 15 years, our merger with The Bank Josephine, acquisition of Heritage Bank of Ashland, and our most recent merger with Kentucky National Bank have cemented our expertise and ability to provide convenient, superior financial products and services.

We are dedicated to the economic development of the east Kentucky corridor. Companies in manufacturing, energy, healthcare, education, and the service sectors continue to embrace the Citizens Way to become commercial partners in that development. That’s what neighbors do.

As these commercial partnerships deepen and grow, so too do Citizens National Bank’s partnerships with families and individuals. We are committed to providing the financial solutions that allow our neighbors to prosper today and for generations to come. We pride ourselves in local decision making and contributions we make to our community through local school systems, and civic and charitable organizations