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To be the best community bank in Northern Michigan, helping build strong local economies...

Learn more about each of our lenders below by first selecting your preferred branch. 

Alanson & Pellston
Michelle Miller

Michelle Miller

Mortgage Officer, Residential Banking

231-627-3850

231-268-1727

NMLS: 972032

I want to apply for...

Home Mortgage HELOC

Michelle has been with Citizens National Bank Indian River location since 2003. She quickly moved through the ranks and was promoted to branch manager  in 2016. She is well versed in customer service and is ready to turn your dreams into reality.

Mortgage Application Checklist

Ashley Plaunt

Ashley Plaunt

Consumer Banking Specialist

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

Ashley is available to serve you and all of your consumer lending needs. Whether you're looking for a new or used vehicle, an RV, a personal loan or anything in between.  She will work with you to ensure the best possible experience with Citizens National Bank.  

Cheboygan Downtown
Stephen J. Crusoe

Stephen J. Crusoe

Senior Vice President, Residential Banking

231-627-8308

231-420-2566

NMLS: 514716

I want to apply for...

Home Mortgage HELOC

Mortgage Application Checklist

Steve has over 30 years in the mortgage business and all of them with Citizens National Bank. He is your expert mortgage lender and can answer a wide array of questions that you may have. He is here to help and would love to work with you

Ashley Plaunt

Ashley Plaunt

Consumer Banking Specialist

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

Ashley is available to serve you and all of your consumer lending needs. Whether you're looking for a new or used vehicle, an RV, a personal loan or anything in between.  She will work with you to ensure the best possible experience with Citizens National Bank.  

Cheboygan South
Sharon Coppernoll

Sharon Coppernoll

Mortgage Officer, Residential Lender

231-627-8311

231-818-6879

NMLS: 514722

I want to apply for...

Home Mortgage HELOC

Mortgage Application Checklist

Sharon has been with Citizens National Bank since 2002. She has worked in a variety of departments within the bank, finding her speciality is helping customers purcahse their dream home. She is well schooled in all types of mortgages and would be more than happy to assist you with your lending needs.

Ashley Plaunt

Ashley Plaunt

Consumer Banking Specialist

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

Ashley is available to serve you and all of your consumer lending needs. Whether you're looking for a new or used vehicle, an RV, a personal loan or anything in between.  She will work with you to ensure the best possible experience with Citizens National Bank.  

Indian River
Michelle Miller

Michelle Miller

Mortgage Officer, Residential Banking

231-627-3850

231-268-1727

NMLS: 972032

I want to apply for...

Home Mortgage HELOC

Michelle has been with Citizens National Bank Indian River location since 2003. She quickly moved through the ranks and was promoted to branch manager  in 2016. She is well versed in customer service and is ready to turn your dreams into reality.

Mortgage Application Checklist

Ashley Plaunt

Ashley Plaunt

Consumer Banking Specialist

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

Ashley is available to serve you and all of your consumer lending needs. Whether you're looking for a new or used vehicle, an RV, a personal loan or anything in between.  She will work with you to ensure the best possible experience with Citizens National Bank.  

Mackinaw City
Regina Patton

Regina Patton

Mortgage Officer, Residential Banking

231-627-8313

248-202-7092

NMLS: 1520912

I want to apply for...

Home Mortgage HELOC

Regina has been with Citizens National Bank since 2019 and brings with her a wealth of knowledge about the home buying process.  Regina would love to work with you ensuring a smooth experience from the initial  application to home ownership. 

Mortgage Application Check List

Ashley Plaunt

Ashley Plaunt

Consumer Banking Specialist

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

Ashley is available to serve you and all of your consumer lending needs. Whether you're looking for a new or used vehicle, an RV, a personal loan or anything in between.  She will work with you to ensure the best possible experience with Citizens National Bank.  

Onaway
Michelle Miller

Michelle Miller

Mortgage Officer, Residential Banking

231-627-3850

231-268-1727

NMLS: 972032

I want to apply for...

Home Mortgage HELOC

Michelle has been with Citizens National Bank Indian River location since 2003. She quickly moved through the ranks and was promoted to branch manager  in 2016. She is well versed in customer service and is ready to turn your dreams into reality.

Mortgage Application Checklist

Ashley Plaunt

Ashley Plaunt

Consumer Banking Specialist

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

Ashley is available to serve you and all of your consumer lending needs. Whether you're looking for a new or used vehicle, an RV, a personal loan or anything in between.  She will work with you to ensure the best possible experience with Citizens National Bank.  

Petoskey
Dennis S. Myers

Dennis S. Myers

Mortgage Officer, Residential Banking

231-627-8309

231-838-4677

NMLS: 138924

I want to apply for...

Home Mortgage HELOC

Mortgage Application Checklist

Dennis joined the CNB Lending Team in 2019 and is primarily focused on Emmet County. He comes to the bank with over 30 years of banking and lending experience.  Dennis is ready to work for you to ensure that the mortgage process is smooth and timely.

Regina Patton

Regina Patton

Mortgage Officer, Residential Banking

231-627-8313

248-202-7092

NMLS: 1520912

I want to apply for...

Home Mortgage HELOC

Regina has been with Citizens National Bank since 2019 and brings with her a wealth of knowledge about the home buying process.  Regina would love to work with you ensuring a smooth experience from the initial  application to home ownership. 

Mortgage Application Check List

Ashley Plaunt

Ashley Plaunt

Consumer Banking Specialist

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

Ashley is available to serve you and all of your consumer lending needs. Whether you're looking for a new or used vehicle, an RV, a personal loan or anything in between.  She will work with you to ensure the best possible experience with Citizens National Bank.