Main Office

Steve Crusoe has been a trusted mortgage expert for over 35 years – all with CNB. Since starting in 1987, he has guided countless customers through the home financing process, offering expert advice on loan options, refinancing, and homeownership strategies. His deep knowledge of the mortgage industry and commitment to customer service have made him a go-to resource for homebuyers in the community. Active in Cheboygan County, he is involved with Ducks Unlimited, the Cheboygan Farmers Market, and the Cheboygan Catholic Community. He and his wife, Mary, also own and operate Golden River Orchard.

Mortgage Application Checklist

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.

Val Jones has been a dedicated member of the CNB team since 2011. With experience in retail banking, internal auditing, and now cash management, she brings a well-rounded perspective to serving business customers. A graduate of the Perry School of Banking, Val is committed to helping businesses streamline financial operations with solutions like merchant card services, payroll processing, electronic vendor payments and remote deposit capture. A lifelong Cheboygan resident, she serves on the Cheboygan Salvation Army Board and Finance Committee, and is an active member of Faith Baptist Church in Cheboygan. Her local knowledge and expertise ensure businesses receive the banking support they need to thrive.

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.