Important Announcement

SCAM ALERT: We've received reports that scammers are spoofing our phone numbers and pretending to be the bank when calling customers and requesting personal and account information. Please remember that we will never call, text, or email you asking for your personal information like your PIN, account numbers, account balances, or full social security number. If you received a call from someone saying they work for VCNB and you answered these types of questions, please contact our Customer Service Team immediately at 800.542.5004.

Joe Risch
Business Development Officer, SVP

Joe Risch

NMLS#: 512243
Home Office: Circleville
Email:
Phone: 740.954.3391
Cell: 740.601.1661
Fax: 740.477.6240

About Me

Joe Risch joined the VCNB Financial Family in 2008 after spending ten years with an agricultural lender in the area. He is experienced in home, installment and commercial loans but his true area of expertise is in agriculture including grain, livestock, timber sawmills and related areas. Joe has a Bachelor of Science in Agriculture from Ohio State University. He also is a graduate of South Eastern Agricultural Lenders School and the American Bankers Association Stonier Graduate School of Banking. Joe is married to his wife Alesha and has two step daughters Olivia and Riley. He enjoys golfing, Ohio State University athletics and the Cincinnati Reds.


Business Loan Options

  • Commercial Real Estate
  • Construction
  • Agriculture
  • Lines of Credit
  • Equipment
  • SBA
  • Municipal
  • Religious/Non Profit

Other Business Services

  • Merchant Services
  • Positive Pay
  • Remote Deposit Capture

Learn More

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