Important Announcement

SCAM ALERT – If you are contacted by anyone who asks for personal information like account numbers, your address, PIN, date of birth or social security number, DO NOT provide any information they request. Don't worry about being polite or whether they could really represent the bank. Simply hang up and give us a call at 1.800.542.5004.

Joe Risch
Business Development Officer, SVP

Joe Risch

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

Make An Appointment

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