Petoskey Branch

Regina has over 20 years of national banking and finance experience, with a passion for mortgage lending. Since joining CNB in 2019, she has played a pivotal role in guiding local families through the home-buying process, ensuring a smooth journey from application to homeownership.  Regina's professional expertise and dedication to the community make her a trusted resource for customers and referral partners, reinforcing her reputation as a knowledgeable and reliable residential mortgage lender in Emmet County.

Mortgage Application Check List

Ashley Waldie has been a key part of the CNB team since 2019. Starting in the collections department before moving into consumer lending, she played a pivotal role in building and developing the bank’s consumer loan department. With a strong commitment to customer service, Ashley works closely with clients to find the right financing solutions for vehicles, RVs, personal loans, and more. Her dedication to making the lending process smooth and stress-free ensures customers receive the best possible experience at Citizens National Bank.

Adam Cushman has 20 years of banking experience spanning mortgage lending, retail banking, investing, insurance, and branch management. Since joining CNB, he has played a key role in building strong business relationships and enhancing cash management services. Adam is responsible for product development, pricing, customer experience optimization, and process implementation within the Cash Management Department. A skilled business developer and active calling officer, he is dedicated to helping businesses streamline their financial operations with solutions like payroll processing, remote deposit capture, and business credit cards. His expertise ensures that businesses have the tools they need to succeed.