Vinton County National Bank
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Data as of · sourced from FFIEC call reports. How we update
Vinton County National Bank is an FDIC-insured commercial bank headquartered in McArthur, OH, established in 1867 (FDIC certificate 6636), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.59B, up 5.9% from Q2 2025, the 23rd largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.49% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6636
- Headquarters
- McArthur, OH
- Established
- 1867
- Total assets, Q2 2026
- $1.59B
- Assets vs Q2 2025
- +5.9%
- Tier 1 leverage ratio, Q2 2026
- 10.49%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 044210403
- Latest call report
- Q2 2026, FFIEC 051 · Vinton County National Bank call report
- Holding company
- COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 23rd of 154 in Ohio
Vinton County National Bank, based in Mc Arthur, Ohio, reported $1.6 billion in assets at June 30, 2026, up 5.9% from a year earlier. It holds commercial real estate loans worth 1.1 times its capital, about half the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets.
Earnings jumped: net income for the quarter was $5.2 million, 58% above the same quarter a year earlier. Unrealized losses on its securities total $27 million, equal to 16% of Tier 1 capital, against 21% a year earlier.
As of June 30, 2026, Vinton County National Bank reported a return on assets of 1.29%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 1.78%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Vinton County National Bank is the 23rd largest of the 154 banks headquartered in Ohio. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.7% to $1.59B, loans rose 2.9% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 47.0% of total loans, followed by auto loans at 13.3%. Its 17 offices in the FDIC Summary of Deposits are in 14 cities in OH; its Lancaster 2 offices book 21% of its branch deposits. By the capital ratios in its Q2 2026 call report, Vinton County National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 203 West Main Street, McArthur, OH 45651
- County
- Vinton
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1867
- Former names
- The Vinton County National Bank (2012)
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 244
- Domestic deposits
- $1.39B
- Allowance for credit losses
- $11.6M
- Net charge-offs (YTD)
- $520K
- Average total assets
- $1.63B
- Average total loans
- $1.12B
- Average interest-bearing deposits
- $1.15B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6636
- Fed RSSD
- 754826
- Website
- www.vcnbfamily.bank →
- Parent Holding Company
- COMMUNITY BANCSHARES, INC. (RSSD 1070765)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Vinton County National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Vinton County National Bank's total assets ranged from $1.38B (Q3 2023) to $1.59B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.59B total assets against $1.50B; $1.42B total liabilities against $1.35B.
$1.12B net loans and leases against $1.05B; $1.39B total deposits against $1.33B.
$331.9M securities against $319.6M; $83.8M cash and balances due against $83.3M.
$21.7M total interest income against $19.9M; $6.6M total interest expense against $6.9M.
$15.1M net interest income against $13.0M.
$2.2M total noninterest income against $2.0M; $10.0M total noninterest expense against $9.3M.
$790K provision for credit losses against $1.6M.
$5.2M net income against $3.3M.
1.29% return on assets against 0.86%; 3.87% net interest margin against 3.52%.
10.49% tier 1 leverage ratio against 10.00%.
Inside the full Vinton County National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeVinton County National Bank rankings
Its closest position to the top of a national ranking is 704 of 4,196, for total assets; its furthest is 2,343 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.75% (Q3 2024) to 1.35% (Q4 2025) and its net interest margin ran from 3.07% (Q3 2024) to 3.87% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.49% | 1.29% | 0.27% | 1.78% | 3.87% |
| Q1 2026 | 10.51% | 1.23% | 0.30% | 2.02% | 3.72% |
| Q4 2025 | 10.27% | 1.35% | 0.23% | 1.56% | 3.79% |
| Q3 2025 | 10.19% | 1.18% | 0.22% | 1.50% | 3.64% |
| Q2 2025 | 10.00% | 0.86% | 0.25% | 1.73% | 3.52% |
| Q1 2025 | 10.13% | 0.80% | 0.26% | 1.79% | 3.24% |
| Q4 2024 | 9.96% | 0.94% | 0.28% | 1.94% | 3.27% |
| Q3 2024 | 9.98% | 0.75% | 0.35% | 2.43% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View all 17 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Vinton County National Bank | Mcarthur , OH | 45651 | $212.2M |
| Lancaster Branch | Lancaster , OH | 43130 | $208.9M |
| Main Street Branch | Chillicothe , OH | 45601 | $115.3M |
| Canal Winchester Branch | Canal Winchester , OH | 43110 | $109.9M |
| Logan Branch | Logan , OH | 43138 | $95.6M |
| West Fair Branch | Lancaster , OH | 43130 | $90.7M |
| First Bremen Bank Branch | Bremen , OH | 43107 | $76.7M |
| Salt Creek Valley Bank Branch | Laurelville , OH | 43135 | $70.8M |
| Jackson County Banking Center, Vcnb Financial Family Branch | Jackson , OH | 45640 | $68.0M |
| Circleville Branch | Circleville , OH | 43113 | $65.1M |
| Ashville Branch | Ashville , OH | 43103 | $64.8M |
| Western Avenue Branch | Chillicothe , OH | 45601 | $60.2M |
| Grove City Branch | Grove City , OH | 43123 | $49.3M |
| Commercial Point Branch | Commercial Point , OH | 43116 | $41.8M |
| Pataskala Branch | Pataskala , OH | 43062 | $38.9M |
| Richmond Dale Branch | Richmond Dale , OH | 45673 | $25.6M |
| 112 West Main Street Admin. Office Branch | Mcarthur , OH | 45651 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 15, 2014 | Structure Change | Acquired The Citizens Bank of Ashville, Ohio Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 14, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 21, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 21, 2009 | Structure Change | Acquired The First Bremen Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 17, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 17, 2007 | Structure Change | Acquired The Salt Creek Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OH, rank 28 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 927 applications, 674 loans originated, $152.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.8M approved, $1.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Vinton County National Bank
What are Vinton County National Bank's total assets?
As of the Q2 2026 filing, Vinton County National Bank reported total assets of $1.59 billion in its FFIEC call report.
Where is Vinton County National Bank headquartered?
It is headquartered in McArthur, OH, United States.
When was Vinton County National Bank founded?
It was established in 1867, per the FDIC institution directory.
Is Vinton County National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6636). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Vinton County National Bank?
Vinton County National Bank's primary federal regulator is the OCC.
How many branches does Vinton County National Bank operate?
It operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Vinton County National Bank's Texas Ratio?
Its Texas Ratio is 1.78% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Vinton County National Bank previously called?
The charter now named Vinton County National Bank has also operated as The Vinton County National Bank (2012), per FDIC structure-change records.
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