First Citizens Banc Corp., through its subsidiaries, provides various commercial banking products and services primarily in the Erie, Crawford, Huron, Marion, Ottawa, and Richland counties, Ohio. It offers various deposit products, including noninterest bearing and interest bearing demand deposits, savings and money market deposit accounts, and certificates of deposit, including IRA’s. The company’s loan portfolio comprises installment loans, commercial real estate mortgage loans, residential real estate mortgage loans, real estate construction loans, agricultural loans, consumer loans, and lease loans. As of December 31, 2005, it had its main office in Sandusky; two branch...