THE VINTON COUNTY NATIONAL BANK
Mcarthur, OH
IDRSSD: 754826
Total Assets
$1.55B
Latest filing
Total Deposits
$1.37B
Latest filing
Net Interest Margin
3.72%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
THE VINTON COUNTY NATIONAL BANK
203 West Main Street
Mcarthur, OH 45651
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1867FDIC Certificate 4446
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| THE VINTON COUNTY NATIONAL BANK (Main) | 203 West Main Street | Mcarthur, OH |
| RICHMOND DALE BRANCH | 206 Church St | Richmond Dale, OH |
| LANCASTER BRANCH | 521 E Main St | Lancaster, OH |
| COMMERCIAL POINT BRANCH | 1 Main St | Commercial Point, OH |
| CIRCLEVILLE BRANCH | 120 S Court St | Circleville, OH |
| WEST FAIR BRANCH | 1971 W Fair Ave | Lancaster, OH |
| WESTERN AVENUE BRANCH | 775 Western Ave | Chillicothe, OH |
| MAIN STREET BRANCH | 222 E Main St | Chillicothe, OH |
Showing 7 of 16
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1867 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45651 |
| State and County Number | 39163 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 247 |
| Domestic Offices | 17 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/25/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.vcnbfamily.bank |
| Data Updated | 11/14/2025 |
| CERT | 6636 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.55B |
| Total Deposits | $1.37B |
| Total Liabilities | $1.40B |
| Total Equity Capital | $155.13M |
| Net Income | $4.60M |
| Net Loans and Leases | $1.07B |
| Assets Per Employee ($Millions) | $6.53M |
| Bank Premises and Fixed Assets | $20.01M |
| Cash and Balances due from Depository Institutions | $118.63M |
| Deposits Held in Domestic Offices | $1.37B |
Key Performance Ratios
| Return on Assets (ROA) | 1.2% |
| Return on Equity (ROE) | 12.1% |
| Net Interest Margin | 3.72% |
| Efficiency Ratio | 61.53% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.985% |
| Earning Assets to total Assets | 95.69% |
Income and Expense
| Total Interest Income | $20.37M |
| Total Noninterest Income | $2.10M |
| Total Interest Expense | $6.79M |
| Total Noninterest Expense | $9.64M |
| Net Interest Income | $13.57M |
| Pre-tax Net Operating Income | $5.68M |
| Provision for Credit Losses | $348.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $125.00k |
| Federal Funds Purchased and Repurchased Agreement | $13.38M |
| All Other Liabilities | $12.60M |
| Total Liabilities and Capital | $1.55B |
Securities
| Securities | $315.79M |
| Available-for-sale debt securities | $115.49M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $200.30M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of THE VINTON COUNTY NATIONAL BANK?
$1.55B as of the latest filing.
How much are THE VINTON COUNTY NATIONAL BANK's total deposits?
$1.37B in total deposits.
Where is THE VINTON COUNTY NATIONAL BANK located?
Mcarthur, OH.
What is the Net Interest Margin?
3.72%.
How many domestic offices does it operate?
17.
When was it established?
01/01/1867.
What is the Return on Assets (ROA)?
1.2%.
How much are total loans and leases?
$1.07B (latest filing).
What is the total interest income (latest filing)?
$20.37M.