THE VINTON COUNTY NATIONAL BANK

Headquarters

203 West Main Street
Mcarthur, OH 45651
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	N.A.	4.66% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Reviewed by Morgan B | March 12, 2023 |

I have several business loans through VCNB. Anyone considering borrowing money should consider using them for financing. They have the assets and abilities of larger chains, but you get a more personal interaction like you're visiting a small town bank.

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
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Reviews

2025 Overview

General Bank Information

THE VINTON COUNTY NATIONAL BANK is an FDIC insured institution located in Mcarthur, OH. It was founded in 1867 and has approximately $1.54 billion in assets. Customers can open an account at one of its 18 branches.


FDIC Insured	Yes
FDIC Certificate	# 6636
Date Established	1867
Assets	$ 1,537.16 million
Loans	$ 1,023.83 million
Deposits	$ 1,368.23 million
Capital	$ 146.18 million

For a more detailed analysis of THE VINTON COUNTY NATIONAL BANK's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 16, 2025

Your Current Location: New York, NY 10007

Loan Rates - July 16, 2025

Your Current Location: New York, NY 10007

There are currently no loan rates available for THE VINTON COUNTY NATIONAL BANK

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - New York 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 292473	6.499%	6.375% 0.63 points $4,168 fees	$1,997	Learn More
NMLS ID: 399799	6.726%	6.625% 0.63 points $3,491 fees	$2,049	Learn More
NMLS ID: 401822	6.758%	6.625% 0.75 points $4,395 fees	$2,049	Learn More
NMLS ID: 401822		points fees		Learn More

See More Mortgage Rates →

Featured - New York Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

See More Home Equity Rates →

Note to THE VINTON COUNTY NATIONAL BANK
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

THE VINTON COUNTY NATIONAL BANK branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Rochester,New York

THE VINTON COUNTY NATIONAL BANK Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Pataskala Branch	345.20	A	View Lobby Hours
First Bremen Bank Branch	349.69	B	View Lobby Hours
Lancaster Branch	355.64	C	View Lobby Hours
West Fair Branch	356.65	D	View Lobby Hours
Logan Branch	357.11	E	View Lobby Hours
Canal Winchester Branch	358.88	F	View Lobby Hours
Grove City Branch	367.35	G	View Lobby Hours
Ashville Branch	370.05	H	View Lobby Hours
Salt Creek Valley Bank Branch	371.36	I	View Lobby Hours
Commercial Point Branch	372.08	J	View Lobby Hours
The Vinton County National Bank	373.80	K	View Lobby Hours
Wilkesville Branch	374.49	L	View Lobby Hours
Circleville Branch	374.75	M	View Lobby Hours
Main Street Branch	388.27	N	View Lobby Hours
Richmond Dale Branch	388.55	O	View Lobby Hours
Western Avenue Branch	389.40	P	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

THE VINTON COUNTY NATIONAL BANK is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

THE VINTON COUNTY NATIONAL BANK Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of THE VINTON COUNTY NATIONAL BANK. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

THE VINTON COUNTY NATIONAL BANK	U.S. Bank Average
1.71%	5.08%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2025, THE VINTON COUNTY NATIONAL BANK had $2,675,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $146,177,000 in equity and $9,994,000 in loans loss reserves. That gives it a Texas Ratio of 1.71%.

Return on Equity

THE VINTON COUNTY NATIONAL BANK	U.S. Bank Average
8.35%	9.95%

THE VINTON COUNTY NATIONAL BANK has a Return on Equity of 8.35% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

THE VINTON COUNTY NATIONAL BANK	U.S. Bank Average
9.51%	11.22%

THE VINTON COUNTY NATIONAL BANK has a Capitalization of 9.51% versus the BestCashCow average of 11.22. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

THE VINTON COUNTY NATIONAL BANK Balance Sheet Analysis

As of March 31, 2025, THE VINTON COUNTY NATIONAL BANK had assets of $1,537,156,000, loans of $1,023,832,000, and deposits of $1,368,231,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 148.34 million
Interest-bearing balances	$ 136.05 million
Total securities	$ 312.73 million
Federal funds sold and reverse repurchase	$ 0.08 million
Net loans and leases	$ 1,023.83 million
Loan loss allowance	$ 9.99 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 7.83 million
All other assets	$ 22.00 million
Total Assets	$ 1,390.98 million

LIABILITIES
Total deposits	$ 1,368.23 million
Interest-bearing deposits	$ 1,123.12 million
Deposits held in domestic offices	$ 1,368.23 million
% insured (estimated)	68.34%
Federal funds purchased and repurchase agreements	$ 10.93 million
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 4.84 million
Total Liabilities	$ 1,390.98 million
Shareholders’ Equity	$ 146.18 million

Summary Income Statement

March 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 18.55 million
Total Interest Expense	$ 6.95 million
Net interest income	$ 11.60 million
Provision for loan and lease losses	$ 0.59 million
Total non interest income	$ 1.89 million
Total non interest expense	$ 9.22 million
Pre-tax Net Operating Income	$ 8.18 million

Bank Loan Profile^?

The top three loan types in THE VINTON COUNTY NATIONAL BANK’s loan portfolio are 1-4 Family Residential Loans, Consumer Auto Loans, and Commercial Real Estate.

Compared to other banks in Ohio, THE VINTON COUNTY NATIONAL BANK has a significantly higher percent of Consumer Auto Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	33.97		✓
Multifamily Mortgages	0.50		✓
Credit Card Loans	0.68		✓
Consumer Auto Loans	16.07			✓
Small Business Loans	0.00	✓
Construction and Development Loans	9.31			✓
Commercial Real Estate	9.39		✓
Commercial and Industrial Loans	4.36		✓
Farm Loans	0.67		✓

Customer Reviews for THE VINTON COUNTY NATIONAL BANK

Morgan B

March 12, 2023 |

I have several business loans through VCNB. Anyone considering borrowing money should consider using them for financing. They have the assets and abilities of larger chains, but you get a more personal interaction like you're visiting a small town bank.

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