About Us

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Our Story

In 1884, the first roller coaster ride opened at Coney Island. It was the year of the first long distance phone line (from Boston to New York) and a new community bank - The Citizens Banking Company -  opened its doors in Sandusky, Ohio. 

One hundred and thirty years later, the bank continues to serve the financial service needs of families and businesses throughout Northern and Central Ohio and is among the premiere community banks in the state. As a $1.1 billion organization, our financial resources and commitment to be the community's trusted financial advisor enables us to serve the personal and business banking, mortgage and wealth management needs of our community members.  We proudly support a variety of economic, educational, cultural, and health and human service initiatives within the communities we serve.  Through both monetary support and promoting employee volunteerism, we are dedicated to making a difference.

Throughout the past 15 years, growth opportunities included the acquisition of The Castalia Banking Company in 1990, Farmers Bank of New Washington in 1998, Citizens National Bank of Norwalk in 2002, First National Bank of Shelby in 2004, and the Miami Valley Bank and Champaign Bank in 2007. 

Today, the bank operates 27 offices across 10 counties under either the Citizens Bank or Champaign Bank name.  Customers may access their accounts at any of our full-service offices. 

Company Information

The Citizens Banking Company is the banking subsidiary of First Citizens Banc Corp, a holding company with assets of approximately $1.1 billion headquartered in Sandusky, Ohio. The Citizens Banking Company markets itself as Citizens Bank and Champaign Bank.  As a full-service financial institution with over 25 locations and 300 employees throughout Champaign, Crawford, Erie, Franklin, Huron, Logan, Madison, Ottawa, Richland and Summit counties, the bank serves the needs of consumer, business, mortgage and wealth management customers.

Mission Statement

For our communities, we will make the experience of banking valuable again.

Vision Statement

We strive to be the community’s trusted financial advisor and act as if your financial decisions are our own.

Directors of The Citizens Banking Company

John O. Bacon
President & C.E.O.,
Mack Iron Works Company
Dennis G. Shaffer
President,
The Citizens Banking Company
Barry W. Boerger
Self-Employed Farmer
Harry Singer
President & C.E.O.,
Sandusco, Inc. and ICM Distrubuting Co.
Thomas A. Depler
Attorney,
Poland, Depler & Shepherd Co., LPA
J. William Springer
President & C.E.O.,
Industrial Nut Corporation
Blythe A. Friedley
Owner/President,
Friedley & Co. Insurance Agency, Inc.
Daniel J. White
International Business Consultant
 
Allen R. Maurice
Attorney,
Wagner, Maurice, & Davidson Co., LPA
Gerald B. Wurm
President,
Wurms Woodworking Co.
James O. Miller
Chairman & C.E.O.

The Citizens Banking Company
Chairman, President & C.E.O.
First Citizens Banc Corp
James D. Heckelman - Director Emeritus
Founder,
Dan-Mar Co., Inc.
Dennis E. Murray
Attorney,
Murray and Murray Company, LPA
George L. Mylander - Director Emeritus
Retired Educator and City Official,
Chair Emeritus, Firelands Regional Medical Center
Allen R. Nickles, CPA, CFE, FCPA,CFF, CICA
Partner,
Payne, Nickles & Co.
 

Officers of The Citizens Banking Company

Chairman of the Board and C.E.O.

James O. Miller

President 

Dennis G. Shaffer

Executive Vice President

Richard J. Dutton, Chief Operations Officer
James McGookey, General Counsel, Corporate Secretary
 

Senior Vice President

John A. Betts, Risk Management Officer and Audit Liaison 
Robert L. Cox, Retail Banking 
Douglas A. Greulich, Investment Officer & Cashier
Dennis J. Guerra, Commercial Lending
Debora A. Kline, Loan Operations
James J. Krancevic, Human Resources 
John D. Lane, Special Assets
Brenda R. Leal, Deposit Operations
LeRoy C. Link, Technology
Kristine G. Meinert, Branch Operations
Todd A. Michel, Controller
Michael J. Milchen, Senior Underwriting Officer
James L. Nabors II, Consumer/Mortgage Lending
James V. Saccardi, Trust Investment Manager
Paul J. Stark, Chief Credit Officer
George E. Steinemann, Trust & Brokerage
Jarvis B. Woodson, Mortgage Lending

 

Vice President

Misty A. Baker, Credit Work-out Officer
Richard A. Bast, Systems
J. Michael Brainard, Commercial Lender
Todd D. Brown, Trust Officer
James P. Castrigano, Commercial Lender
Kemberly J. Caudill, Credit Work-out Officer
Terry L. Chapman, Commercial Lender
Kathleen S. Dailey, Investment Services Manager
Vicky L. Doski, Loan Systems Business Analyst
Richard C. Finneran, Jr., Commercial Lender
Jeffrey C. Gannon, Commercial Lender
Amy L. Grant, Senior Administrative Assistant
Robin J. Grathwol, Commercial Lender
Jodi L. Greulich, Marketing Manager
Jackie A. Griggs, Trust Officer
Steven H. Hafner, Senior Financial Consultant
Jason J. Harrell, Commercial Lender
William J. Heitman, Commercial Lender
J. David Hoskins, Trust Officer
Jeffery C. Huber, Commercial Lender
James M. Jesko, Loan Operations Manager
Lee A. Jordan, Business Development
Robert L. Katitus, Commercial Lender
John W. King, Commercial Lender
Judy A. Kizer, Retail Service Manager
Scott E. MacDonald, Commercial Lender
Melissa L. McDougal,Commercial Lender
Teresa D. Owsley, Financial Consultant
Jeffrey S. Schurdell, Special Assets Assistant Manager
Kimberly W. Springer, Business Solutions
Aaron R. Stephens, Commercial Lender
Kenneth E. Wiseman, Commercial Lender

Assistant Vice President

Stephen R. Powell, Credit Administration Manager
Jessica A.M. Steuk, Private Banking

Regulatory Officers of The Citizens Banking Company
 
Veronica G. Mock – Privacy Officer (HIPAA)
John A. Betts - Senior Bank Secrecy Officer
Allana I.W. McCreight - Bank Security Officer
Jennifer Conn – Compliance Officer & CRA Officer
Joyce A. McCloskey – Affirmative Action Officer
Karen W. McKinley – Bank Secrecy Officer/Anti-Money Laundering Control Officer/ OFAC Officer/Customer Identification Program Officer