Who We Are

Our Strategic Philosophy

At Consumers National Bank, we support a community-based banking model, with the unique ability for fast, flexible service. Whether the customer is walking into a branch or accessing online banking, we are striving to build lifetime relationships and superior shareholder returns.

We consider each staff member a valuable part of our strategy, encouraging continuing education and offering opportunities for advancement within the company. We hope that when a customer interacts with a Consumers National Bank associate, they feel that they've had their financial needs met and expectations exceeded. Our goal is that this be the Consumers experience.

The bank continues to look for better and more efficient ways to improve. By combining today's technology with the experience and commitment of our employees, we are able to offer competitive financial services and meet the needs of a broad range of customers.

We look forward to controlled, steady growth in markets similar to those we currently serve, in both geographic and demographic profiles. We will look for opportunities to generate additional dollars to the bottom line by enhancing core product offerings and adding services outside traditional bank offerings. We strive to provide our customers with accessibility to their banking through personal contact or state-of-the-art technology.

Our Mission:

To "Make A Difference" In Our Communities.

Our Vision:

To be the community bank in our markets

Our Core Values:

Respect, Integrity, Trust, Excellence

Our History

A dedicated group of businessmen from Minerva, Ohio, worked tirelessly to realize their dream of an independent, community-focused bank. On August 30, 1965, the Office of the Comptroller of the Currency granted a charter to Minerva National Bank. With five employees and assets of $300,000, the bank's first branch and corporate offices were opened in Minerva on September 7, 1965.

As the bank grew and looked toward expansion, Minerva National Bank became Consumers National Bank in April of 1975. In July of that same year, a second branch office was opened in Salem, Ohio and in September, Romain "Bud" Fry became the President and Chairman of the Board.

In the following years, Consumers would open 11 more offices in the neighboring communities of Waynesburg, Hanoverton, Carrollton, Alliance, Lisbon, Louisville, East Canton, Malvern, Hartville, Jackson-Belden and Bergholz--our latest office which opened in 2017.

On October 17, 1994, the shareholders of Consumers National Bank approved the formation of a bank holding company to be known as Consumers Bancorp, Inc. Steady growth continued, reaching $100 million in assets in August of 1995. The Board of Directors elected Laurie L. McClellan as Chairman of the Board in 1998. Ralph J. Lober II was named President & CEO of Consumers Bancorp, Inc. and Consumers National Bank on September 19, 2008.

As Consumers has grown over the years, we have not strayed from our roots. The mission today is consistent with the dream of our founders--to provide community-based banking services that make a difference in the communities we serve.