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.
Michelle Miller
Assistant Vice President, Residential Banking
231-627-3850
231-268-1727
NMLS: 972032
I want to apply for...
Michelle has been with CNB since 2003, working in many different areas, from Teller to Branch Manager. In 2016, she moved into the Mortgage Department and is currently there as AVP of Residential Lending. She is well-versed in customer service and is here to help you with all of your mortgage needs.
I want to apply for...
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.
Stephen J. Crusoe
Senior Vice President, Residential Banking
231-627-8308
231-420-2566
NMLS: 514716
I want to apply for...
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
I want to apply for...
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.
Sharon Coppernoll
Assistant Vice President, Residential Banking
231-627-8311
231-818-6879
NMLS: 514722
I want to apply for...
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.
I want to apply for...
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.
Michelle Miller
Assistant Vice President, Residential Banking
231-627-3850
231-268-1727
NMLS: 972032
I want to apply for...
Michelle has been with CNB since 2003, working in many different areas, from Teller to Branch Manager. In 2016, she moved into the Mortgage Department and is currently there as AVP of Residential Lending. She is well-versed in customer service and is here to help you with all of your mortgage needs.
I want to apply for...
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.
Regina Patton
Assistant Vice President, Residential Banking
231-627-8313
248-202-7092
NMLS: 1520912
I want to apply for...
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.
I want to apply for...
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.
Michelle Miller
Assistant Vice President, Residential Banking
231-627-3850
231-268-1727
NMLS: 972032
I want to apply for...
Michelle has been with CNB since 2003, working in many different areas, from Teller to Branch Manager. In 2016, she moved into the Mortgage Department and is currently there as AVP of Residential Lending. She is well-versed in customer service and is here to help you with all of your mortgage needs.
I want to apply for...
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.
Regina Patton
Assistant Vice President, Residential Banking
231-627-8313
248-202-7092
NMLS: 1520912
I want to apply for...
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.
I want to apply for...
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.