Commercial National Financial Corporation is the bank holding company for Commercial National Bank, a community-oriented financial institution headquartered in Cambridge, Ohio. Established in the early 20th century, the company offers a suite of banking and financial services tailored to meet the needs of individuals, small businesses and agricultural clients across southeastern Ohio. Through its OTCMKTS:CEFC listing, Commercial National Financial provides investors with exposure to a regionally focused commercial bank with deep local ties.
The company’s primary business activities encompass retail banking, commercial lending and wealth management. Retail customers can choose from a range of deposit products, including checking and savings accounts, certificates of deposit and money market accounts. Commercial National Financial also extends credit facilities such as commercial real estate loans, lines of credit and equipment financing to support local enterprises and agricultural operations. In addition, the company’s trust and investment services division offers fiduciary and estate planning solutions, trust administration and investment advisory services.
As a community bank, Commercial National Financial emphasizes personalized customer service and community engagement. Its branch network spans multiple locations in key Ohio markets, enabling convenient access to in-person banking while supporting local economic development. Over the years, the company has evolved its digital banking platform to include online and mobile account management, electronic funds transfers and remote deposit capabilities, ensuring a balance of traditional relationship banking and modern convenience.
Under the leadership of its executive management team and board of directors, Commercial National Financial has maintained a focus on prudent risk management and sustainable growth. The company’s governance structure and strategic initiatives aim to strengthen its competitive position in the regional banking sector, enhance shareholder value and contribute to the financial well-being of the communities it serves.
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