First Citizens Banc Corp (FCBC) is a financial holding company. Through the subsidiary bank, The Citizens Banking Company (the Bank or Citizens), it is primarily engaged in the business of community banking. Citizens, located in Erie, Crawford, Champaign, Franklin, Logan, Summit, Huron, Ottawa and Richland Counties, Ohio, conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. Citizens also operate a loan production office in Port Clinton, Ohio. Its subsidiaries include First Citizens Insurance Agency, Inc. (Insurance Agency), Water Street Properties (Water St.), First Citizens Investments, Inc. (FCI), FC Refund Solutions, Inc. (FCRS) and First Citizens Capital LLC (FCC).