The First Citizens National Bank @FCNB

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

After an extraordinary career and outstanding contributions as President & CEO of First Citizens, Mark Johnson officially concluded his tenure on April 17. And as announced earlier this year, Jenny Romich was formally appointed as the new President & CEO. As part of this transition, the new Executive Officer Team appointments include: Jennifer A. Romich:President & CEO, Kortney A. Buckland: SVP/CHRO, Douglas J. Kelly: SVP/CCO and Francis J. Reinhard: SVP/CLO. Long-standing Executive Officer Team members Pamala S. Baker: SVP/CFO and Jevon J. Reile:SVP/COO & CIO remain in their current positions. During the Annual Shareholders meeting, several Director changes were made including the re-election of Mark Johnson, retirement of long-time Director Jerry Taylor and the addition of Frank Reinhard, SVP/CLO to the Board of Directors. Please help us in congratulating Mark and Jerry on their retirements and welcoming Doug, Frank and Kortney to the Executive Officer Team. #Trusted

Ohio’s healthcare industry is undergoing significant changes. We recognize the financial strain this places on independent practices & offer solutions to help them remain competitive. Read the full informational article on our website: firstcitizensnational.com/the-changing-l… #Trusted

FCNB is proud to announce the election of Frank Reinhard, CLO, to the Bank's Board of Directors. “Frank Reinhard will be an asset to the Board of Directors,” said Jenny Romich, President/CEO of The First Citizens National Bank. More here: tinyurl.com/38n8nm2r

Ohio businesses are facing new financial challenges as tariff changes drive up costs across various industries. We understand the pressures local businesses are facing and want to provide some insight on how to navigate these challenges. tinyurl.com/2kkkd4sa

Please join us in welcoming Austin Searfoss, Agricultural Lender to the FCNB Team! Austin’s deep understanding of farmers, agribusinesses and multiple years in banking allows him to be a trusted financial partner in the communities we serve. tinyurl.com/mryu2dbp #Trusted