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To Our Valued Customers,

As we are all very much aware, the scare of COVID-19 has played a large, negative economical impact to our community. We have been diligently working with our small business customers in this time of hardship. As this continues, we are here to help with any questions and to provide any assistance that we are able to.

Recently, Congress passed The Coronavirus Aid, Relief, and Economic Security Act (CARES Act). Under the CARES Act, Congress has appropriated $350 billion for Small Business Administration (SBA) Paycheck Protection Loans of up to $10 million to small businesses impacted by COVID-19.

Small business owners in all U.S. states,Washington D.C., and territories are currently eligible to apply for a long term low-interest loan due to Coronavirus (COVID-19). APPLY FOR ASSISTANCE AT: Economic Injury Disaster Loan

We at CNB are working to become a 7(a) lender to provide our customers access to a rescue package also known as the Paycheck Protection Program (PPP).

PPP Loans May be Used for the Following:

• To pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses without credit available elsewhere; businesses with credit available elsewhere are not eligible. The interest rate for non-profits is 2.75%.
• SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.
• SBA’s Economic Injury Disaster Loans are just one piece of the expanded focus of the federal government’s coordinated response, and the SBA is strongly committed to providing the most effective and customer-focused response possible.

Below I have referenced three weblinks that will provide you with more information on this matter. The first website gives you the instructions about how to apply for an SBA Disaster Loan. There are links that will take you step by step through the process.

Step by Step

This second website gives you the application to apply for a Paycheck Protection Program (PPP).

Click here to apply.

Once you have completed the application, please deliver to the Bank by emailing your loan officer; John Guest at, Bob Boatright at, and David Sheffield at You may fax to (325)646-0867, or call Citizens National Bank at (325) 643-3545 for an appointment.

For any questions you may have, see the following weblink.


As always, feel free to contact us at CNB, and we will gladly be of assistance to you in any way possible.


John P. Guest
President & CEO
NMLS: 1177309
Citizens National Bank at Brownwood
P.O. Box 1629
Brownwood, TX 76804

Phone: (325) 643-3545
Fax: (325) 646-0867

Personal Loans

CNB offers a variety of consumer loans to meet your personal needs:

Click here for downloadable application. Documents to submit with Citizens National Bank Personal and Auto Loan Application: (Both Borrower and Co-Borrower)

Loans for new and used vehicles, boats, motorcycles, RVs, debt consolidation, taxes, and many others; CNB offers both secured and unsecured loans. Local lenders make decisions to provide for faster service, competitive rates, can adjust terms to fit borrower’s needs. If you would like to speak to a loan officer or have any questions please feel free to contact us at 325-643-3545.

Mortgage Loans

We are your independent, locally owned mortgage lender committed to giving you the best customer service in town. We build relationships on trust and integrity, providing clear, honest information about the most important purchase you will make.

Our Mortgage Loan Specialists are trained to tailor each loan program to offer you the best rate and loan term for your lifestyle and future.

Click here for downloadable application. Documents to submit with Citizens National Bank Mortgage Application: (Both Borrower and Co-Borrower)

  • As of application date, most recent 30 days pay stubs, or most recent statement of income from social security or retirement plan.
  • As of application date, most recent 2 months bank statements for all checking and savings accounts (except those at Citizens National Bank).
  • As of application date, most recent investment and retirement account statements.
  • Last two years tax returns, both personal and business, and year-to-date business income statement.
  • Copy of accepted Earnest Money Contract for Sale when you find a house for purchase.
  • Copy of MLS listing, Earnest Money Contract for Sale, or HUD-1 Settlement Statement if using equity from the sale/pending sale of previous home for down payment or closing costs.
  • All divorce decrees and/or bankruptcy papers, if applicable.
  • If refinancing: name, address and phone number of present mortgage company.

For more information, please contact:
325-643-3545 between 9:00 AM and 4:00 PM or email us at:

Business Loans

Citizens National Bank offers a wide variety of loans for your new or existing business. Whether you’re starting a new business or just need equipment for you existing business, the friendly and experienced loan staff would be more than willing to assist you.

Click here for downloadable application. Documents to submit with Citizens National Bank Business Loan Application: (Both Borrower and Co-Borrower)

Commercial Real Estate
These loans are for businesses that need to purchase, construct, or remodel a building for manufacturing, retail, or office purposes. We offer both interim construction and permanent real estate loans.

Working Capital or Lines of Credit
For businesses that need short-term capital needs due to seasonal factors or various other factors, we offer short-term working capital loans. These loans can be either a revolving or non-revolving basis.

Equipment Loans
Equipment loans can be used to purchase business equipment such as plant equipment, trailers, or computer hardware or software, etc.

Floor Plan Loans
These loans can be used by business to purchase inventory for re-sale. Examples include vehicles, boats, R.Vs, trailers, etc.

Agriculture Loans
These loans can be used to purchase livestock, feed, or for care of livestock. Equipment loans for trailers, implements, etc. can also be done.

If you would like to speak to a loan officer or have any questions please feel free to contact us at 325-643-3545.