Vinton County National Bank

What Vinton County National Bank does

Vinton County National Bank (VCNB) is a privately held, FDIC-insured national bank founded in 1867 and headquartered in McArthur, Ohio, operating 17 banking centers across Southern and Central Ohio. The bank offers a full-service retail and commercial banking platform centered on deposit products (Rewards Checking, Classic Checking, Checking My Way, Student Checking, Community Champion Checking, savings, money market, HSA, CD, IRA, and the Ohio Homebuyer Plus Savings account) and lending products (mortgages including land/construction, manufactured home, and equity loans; auto loans; personal loans; and business loans). VCNB also issues Visa Platinum credit cards and debit cards (including custom-design cards) integrated with the uChoose Rewards loyalty program and mobile wallet support across Apple Pay, Google Pay, and Samsung Pay.

The bank's digital stack is built on Fiserv infrastructure, delivering online and mobile banking with mobile deposit (fee-free up to $5,000 per business day), card controls, spending insights, customizable account alerts, and Zelle person-to-person payments. Business banking is supported by enhanced online banking with ACH origination, wire transfers, and multi-user access controls. Sales and servicing are predominantly relationship-based, delivered through the 17-branch physical network plus telephone support and online account opening, with marketing focused on financial-education content (Money Smart blog), Small Business Spotlight features, and community events such as the Lancaster Fairfield County Chamber of Commerce Fairfield Leadership Program.

Revenue derives primarily from net interest income (the spread between loan portfolio yields and deposit rates paid) supplemented by non-interest income (deposit account fees, overdraft, ATM, wire, stop-payment, and credit card transaction fees), service charges on checking accounts, and rewards-program partnership revenue. VCNB is an affiliate of Community Bancshares, Inc., a bank holding company under common ownership, and is regulated by the OCC. Named president Tom Oyer is a descendant of founder Dan Will. Revenue figures and detailed financials are not publicly disclosed.

Name

Vinton County National Bank

Legal name

Vinton County National Bank

Website

https://vcnbfamily.bank

Company type

Private

Founded year

1867

Operating status

Operating

Headcount range

251–500 employees

Short description

Vinton County National Bank is a privately held, FDIC-insured community bank founded in 1867, operating 17 branches across Southern and Central Ohio and offering retail and business deposit, lending, and digital banking products to local consumers, families, students, and SMBs.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Student & Youth Banking (FSABAAAH)

Keywords

• Community banking services
• Personal checking accounts
• Consumer mortgage lending
• Small business banking
• Mobile deposit banking

Headquarters

HQ city

Mc Arthur

HQ country

United States

HQ region

North America

Offices17 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Net Interest Income: Interest income from loan portfolio (mortgages, auto loans, personal loans, business loans) offset by interest paid on deposits. Core banking revenue from spread between lending rates and deposit rates.
2. Non-Interest Income: Fees from deposit account maintenance, overdraft fees, ATM fees, wire transfer fees, stop payment fees, and credit card transaction fees. Also includes revenue from uChoose Rewards program partnerships.
3. Service Charges: Monthly service charges on checking accounts, minimum balance fees, and business banking service fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels5 records

Core offering

Vinton County National Bank is a community bank that accepts consumer and business deposits (checking, savings, money market, CDs, IRAs, HSAs) and extends consumer, mortgage, and commercial loans, supported by 17 branches in Southern and Central Ohio and digital channels including online banking, a mobile app with mobile deposit, Zelle P2P payments, and business banking with ACH and wire transfers. Revenue is generated from the spread between loan interest and deposit interest, plus service charges, overdraft fees, and interchange.

Product overview

Vinton County National Bank is a community bank serving Southern and Central Ohio, offering a comprehensive suite of personal and business banking products. The bank's product portfolio centers on deposit products (checking accounts including Rewards Checking, Classic Checking, Student Checking, and Community Champion Checking; savings and money market accounts; CDs and IRAs; Health Savings Accounts) and lending products (auto loans, personal loans, and mortgage loans including land/construction loans, manufactured home loans, and equity loans). Digital banking is delivered through Online Banking and Mobile Phone Banking platforms with features including Mobile Deposit, Bill Pay, Zelle person-to-person payments, and customizable Account Alerts. The bank also issues its own credit cards (Visa Platinum) and debit cards including Custom Debit Cards, integrated with mobile wallet options (Apple Pay, Google Pay, Samsung Pay) and the uChoose Rewards loyalty program. Business banking includes specialized checking accounts, business loans, and enhanced Business Online/Mobile Banking with ACH and wire transfer capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• uChoose Rewards: A rewards program for VCNB customers with Rewards Checking accounts and Visa Platinum Credit Cards that allows earning points on everyday purchases.

Products and services

• Rewards Checking
• Classic Checking
• Checking My Way
• Student Checking My Way

Quantifiable outcome

• Fee-free mobile deposits up to $5,000 per business day
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Community Bancshares, Inc.coreOthersCommunity Bancshares, Inc. is an affiliate of Vinton County National Bank, related by common ownership or control. This is an affiliated company relationship rather than a traditional partnership.
• Fiserv, Inc.coreTechnology or IntegrationFiserv, Inc. provides the technology infrastructure and service provider relationship for VCNB's Mobile Money Services and mobile banking functionality. The Financial Institution and its affiliates and service providers, including Fiserv, Inc. and its affiliates, receive and share user information in connection with the Services.
• Debit/Credit Card CompanyminorGTM or Marketing PartnerJoint marketing partner for debit/credit card operations. Listed in the Annual Privacy Notice as part of the joint marketing partners category.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Park National Bank: Large Ohio-headquartered community bank holding company (Park National Corporation) operating full-service branches across Ohio and the Carolinas with comparable deposit, lending, and small-business banking products.
• First Financial Bank: Ohio-based community/regional bank offering consumer checking, mortgage, and commercial lending across Ohio and adjacent states — directly comparable product mix and Midwestern community focus.
• WesBanco: Multi-state bank holding company headquartered in Wheeling, WV, with substantial Ohio retail presence offering nearly identical community-bank products (deposits, mortgage, consumer, commercial).
• Heartland Bank: Ohio community bank serving Central Ohio with consumer and business banking, including checking, mortgages, and commercial loans; directly comparable in scale and regional footprint.
• Peoples Bancorp: Ohio-based bank holding company with full-service consumer and business banking across southeastern and central Ohio; highly comparable geographic overlap and product set.
• Premier Bank: Ohio/Pennsylvania-based community bank with consumer and commercial deposits and lending; similar regional community-banking model with overlapping Ohio footprint.
• LCNB Corp. Ohio-based community bank holding company (LCNB National Bank) headquartered in Lebanon, OH with consumer and business banking across southwest Ohio — comparable mid-size Ohio peer.
• CFBank: Ohio-based commercial and consumer bank operating nationally and in Ohio, offering similar deposit and lending products with a community-bank approach.

Broad incumbents

• Huntington Bancshares: Large regional bank holding company headquartered in Columbus, Ohio with extensive branch network and full-service consumer/business banking — represents the dominant larger competitor in the same Ohio geography.
• Fifth Third Bank: Major Cincinnati-headquartered regional bank with significant Ohio retail branch presence; broader incumbent competitor across deposit and lending products in the same markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/VCNBfamily

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vinton County National Bank