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
Allen R. Nickles, CPA, CFE, FCPA,CFF
Payne, Nickles & Co.
Barry W. Boerger
Self-Employed Farmer
J. William Springer
President & C.E.O.,
Industrial Nut Corporation
Thomas A. Depler
Poland, Depler & Shepherd Co., LPA
David A. Voight
Chairman of the Board,
First Citizens Banc Corp
Blythe A. Friedley
Friedley & Co. Insurance Agency, Inc.
Daniel J. White
International Business Consultant
President, Norwalk Furniture
Allen R. Maurice
Wagner, Maurice, Davidson & Gilbert Co., LPA
Gerald B. Wurm
Wurms Woodworking Co.
James O. Miller
President & CEO,
The Citizens Banking Company
James D. Heckelman - Director Emeritus
Dan-Mar Co., Inc.
W. Patrick Murray
Murray and Murray Company, LPA
George L. Mylander - Director Emeritus
Retired Educator and City Official
Chair Emeritus, Firelands Regional Medical Center
Dennis E. Murray
Murray and Murray Company, LPA

Officers of The Citizens Banking Company

Chairman of the Board

James O. Miller

President & CEO

James O. Miller

Executive Vice President

Richard J. Dutton, Chief Operating Officer
James McGookey, General Counsel, Corporate Secretary
Dennis G. Shaffer, Chief Lending Officer

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 A. 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
George E. Steinemann, Trust & Brokerage
Paul J. Stark, Chief Credit Officer
Jarvis B. Woodson, Mortgage Lending


Vice President

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

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