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 Bachelors 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.