First Citizens Banc Corp. (FCBC) operates as the holding company for The Citizens Banking Company, and First Citizens Bank. It offers commercial banking services that include accepting deposits and making loans. The company provides a range of loan products, such as commercial and agricultural loans, commercial real estate loans, real estate mortgage products, real estate construction loans, consumer loans, and credit cards. Its deposit products consist of savings, money market deposit accounts, interest-bearing demand deposits, noninterest-bearing demand deposits, certificates of deposit, and individual retirement accounts. In addition, FCBC, through its other subsidiaries, provides item-processing services for financial institutions; real estate appraisal services for lending purposes; consumer-lending products to customers, who may not qualify for conventional commercial bank lending products; and mortgage products and services, as well as offers trust services. The company serves customers primarily through its offices in Erie, Crawford, Huron, Marion, Ottawa, Richland, and Union counties in Ohio. FCBC was founded in 1884 and is based in Sandusky, Ohio.
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