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 you to log in or share 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.

Thad Smith
Senior Business Banker

Thad Smith

Home Office: Chillicothe
Email:
Phone: 740.774.4444 Ext. 3107
Cell: 740.988.7294
Fax: 614.991.5284

Make An Appointment

About Me

Thad Smith came to the VCNB Financial Family eager to serve customers in Jackson, Ross and Vinton counties. His specialty is commercial lending in origination and maintenance of commercial loans. He says the people and culture at VCNB are special and that he’s happy to be part of a culture where bankers are expected to understand their customers’ needs and help them find the best solutions for their needs.

The Vinton County native holds a Bachelor of Arts in Business Management from Marietta College and a Master of Business Administration from Ohio University. Thad lives in Chillicothe with his wife and two children. His hobbies include golf, basketball officiating, youth sports coaching, and travel especially visiting national parks.


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

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