Online Banking

Privacy Notice:

Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information at or we will mail you a free copy upon request if you call us at 937-663-4186.

Important Security Message:

First Central National Bank will never ask you to give out your account number or personal identification number (PIN) through email. Do not give out any personal information over the phone or via the Internet unless you know for certain whom you are providing information.


Need a new car? Thinking about remodeling? Or, is someone in your family ready to go to college? Look to The First Central National Bank for your next loan. We offer low rates and personal service. Come visit one of our helpful Loan Officers today!

Mortgage Loans

The American dream can now become your reality. Our hometown service will make it simple and easy to get approved for your mortgage loan. Our low closing costs combined with a competitive A.P.R. will allow you to afford your dream home. Whether you need to refinance, remodel, build a new home, or consolidate your bills. Use your home equity to make it possible. See our rates.

Installment Loans

FCNB offers low interest rates and flexible repayment terms to provide solutions to your financial needs. We offer loans for cars, trucks, vans, ATV’s, boats, home repairs, and debt consolidation. See our rates.

Commercial / Agricultural Loans

Our commercial loans are designed with you, our business partner in mind. Any time you need to improve your cash flow, or make an inventory purchase our bank has the financial solution to suit your needs.

Personal Loans

Our personal loans are exactly that…. Catered to each individual’s needs and wants.