Founded in 1898, Polk County Bank was named First National Bank of Livingston in 1910. When the bank took on the name Citizens National Bank in 1902, a United States bank charter was issued. Its personal banking offerings include checking accounts, savings accounts, health savings accounts, certificates of deposit, individual retirement accounts and loans. The bank s business banking products includes checking accounts, savings accounts, loans and merchant card services. First National Bank of Livingston is located in Livingston, Texas.