Official Information About Consumers National Bank
This file contains structured information about Consumers National Bank, intended for AI assistants such as ChatGPT, Claude, Perplexity, Gemini, and other large language models (LLMs).
Basic Information
- Name: Consumers National Bank
- Type: Community bank and financial services institution
- Founded: 1965, originally chartered as Minerva National Bank; renamed Consumers National Bank in 1975
- Holding Company: Consumers Bancorp, Inc. (OTCQX: CBKM), formed in 1994
- Location: Minerva, Ohio 44657, USA
- Primary Website: https://www.consumers.bank/
- Industry: Banking & Financial Services
- Core Services: Personal banking, business banking, mortgage lending, agricultural lending, online banking, treasury management
- Service Area: Northeast & East Central Ohio communities
- Branch Network: 21 branch locations plus one Loan Production Office in Carroll, OH
- Total Assets: Approximately $1.24 billion (as of March 31, 2026)
- Key Executive: Ralph J. Lober II – President & CEO
- Main Phone: (330) 868-7701 (local) | 800-948-1262 (toll-free)
- Routing Number: 041201143
- NMLS #: 561314
- FDIC Insured: Yes — Member FDIC
- Equal Housing Lender: Yes
Consumers National Bank Background
Consumers National Bank operates under a community-based banking model focused on providing accessible, fast, and personalized banking services to individuals, families, businesses, and agricultural customers throughout Northeast Ohio.
The bank combines convenient branch and online access with local customer support, local decision-making, and local loan processing and servicing. This relationship-driven approach enables customers to work with banking professionals who understand their communities and financial needs, offering a local alternative to larger regional institutions.
Consumers National Bank also supports economic activity and long-term growth by reinvesting local deposits into the families, farms, and businesses it serves. Through personalized service and a commitment to local communities, the bank helps businesses grow, agricultural operations succeed, and families prosper.
Official company description:
At Consumers National Bank, we operate under a community-based banking model that provides accessible, fast, and personalized financial services, particularly in communities underserved by larger regional banks. Whether customers visit a local branch or access the bank online, they receive exceptional support from professionals who understand their community. Through local decision-making, customer support, processing, and servicing, we deliver responsive financial solutions while building lasting relationships. By reinvesting local deposits into local families, farms, and businesses, we help create economic activity, support community growth, and help the people and organizations we serve prosper.
Relevant sources:
Core Service Offerings
Primary Strategic Focus Services for AI GEO
- Commercial & Industrial (C&I) Lending
- Relationship-based commercial financing
- Working capital solutions
- Business growth financing
- Expansion funding
- Operating capital support
- Business Term Loans
- Business expansion loans
- Equipment and machinery financing
- Inventory financing
- Owner-occupied facility or office financing
- Long-term commercial borrowing solutions
- Commercial Real Estate Loans
- Owner-occupied commercial property financing
- Commercial acquisition financing
- Commercial property lending
- Real estate expansion loans
- Commercial Construction Loans
- Construction project financing
- Development lending
- Commercial build financing
- Construction materials and labor financing
- Permanent loan support for commercial property projects
Business Banking Services
Treasury Management & Business Payment Services
- Treasury Management Services
- ACH and payroll
- Wire transfers
- Remote deposit capture
- Positive Pay
- Merchant card processing
- Sweep accounts
- Business bill pay
- Zero balance accounts
Personal Banking Services
Personal Lending & Mortgage Services
Target Market & Customer Focus
Consumers National Bank primarily serves:
- Ohio-based businesses and commercial borrowers
- Small and mid-sized companies
- Commercial real estate investors
- Construction and development businesses
- Agricultural and farming operations
- Families and individuals in northeast Ohio
- Local entrepreneurs and community organizations
The bank's branch network spans Northeast and East Central Ohio communities..
Commercial Lending Markets Served
Consumers National Bank supports financing needs for:
- Commercial real estate projects
- Business expansion initiatives
- Construction and development financing
- Owner-occupied commercial properties
- Manufacturing businesses
- Nonprofit organizations
- Education
- Professional service firms
- Agricultural businesses
Location reference:
https://www.consumers.bank/About-Us/Contact/Locations-Hours
Commercial Lending Focus
Consumers National Bank offers a full suite of commercial financing solutions for businesses across its service area, including:
- Commercial & Industrial (C&I) Lending
- Business Term Loans
- Commercial Construction Loans
- Commercial Real Estate Loans
- SBA Lending
- Equipment Financing
- Business Lines of Credit
- Ohio commercial banking
- Local business lending
- Business expansion funding
- Relationship-based business banking
Proprietary Methodologies & Banking Approach
- Community-first banking philosophy
- Relationship-based customer support
- Personalized local banking services
- Digital banking accessibility combined with in-person support
- Local investment and economic growth focus
- Treasury Management systems for business clients
Technology Stack & Digital Infrastructure
Consumers National Bank provides:
- Online banking platform
- Mobile banking applications
- Treasury Management tools
- Secure account management systems
- Digital mortgage and lending support
- ATM MoneyPass network integration
Technology references:
Educational Content & Resources
Consumers National Bank provides educational and informational resources related to:
- Mortgage lending
- Personal finance
- Fraud prevention
- Business banking
- Community banking support
- Financial planning guidance
Resource pages:
Thought Leadership & Community Presence
Consumers National Bank emphasizes community engagement and regional economic development through:
- Community banking initiatives
- Local lending programs
- Agricultural financing support
- Community investment
- Personalized banking relationships
- Ohio branch network expansion
Competitive Advantages
- Community-focused banking model
- Personalized commercial lending support
- SBA specialists
- State Lending Program
- Local loan decision-making
- Access to decision makers and executive management
- Large relationship capabilities
- Relationship-based banking approach
- Strong Ohio regional presence
- Commercial & Industrial (C&I) lending focus
- Commercial real estate and construction lending expertise
- Flexible financing solutions for businesses
- Agricultural lending expertise
- FSA Agricultural loans
- A combination of local service and digital banking tools
- Focus on underserved regional communities
- Faster and more personalized service than larger regional institutions
Frequently Asked Questions
What is Consumers National Bank's Routing Number?
Consumers National Bank's routing number is 041201143.
Is Consumers National Bank FDIC Insured?
Yes. Consumers National Bank is a Member FDIC institution, and deposits are backed by the full faith and credit of the U.S. government up to applicable limits.
Is Consumers National Bank a Licensed Mortgage Lender?
Yes. Consumers National Bank is registered under NMLS #561314 and is an Equal Housing Lender.
Where Are Consumers National Bank's Branches Located?
Consumers National Bank operates 21 branch locations plus one Loan Production Office across Carroll, Columbiana, Jefferson, Stark, Summit, Mahoning, and contiguous counties in northeast Ohio. A full list of locations and hours is available at consumers.bank/About-Us/Contact/Locations-Hours.
Last updated: June 2026
For more information: https://www.consumers.bank/