The Vinton County National Bank is a national bank headquartered in Mcarthur, Ohio, in business for about 159 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.4B in deposits, with 17 offices.
The Vinton County National Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 57th. Problem-loan coverage contributes the most (97/100, 1.7%); capital cushion contributes the least (55/100, 10.49%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (68 → 73), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 66 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 72 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.03% |
| Q3 2024 | 9.98% |
| Q4 2024 | 9.96% |
| Q1 2025 | 10.13% |
| Q2 2025 | 10.00% |
| Q3 2025 | 10.19% |
| Q4 2025 | 10.27% |
| Q1 2026 | 10.51% |
| Q2 2026 | 10.49% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.25% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.27% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.80% |
| Q2 2025 | 0.84% |
| Q3 2025 | 0.96% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $1.6B | 10.49% | 0.27% | 1.29% | 80.4% |
| Q1 2026 | 72 | $1.6B | 10.51% | 0.30% | 1.25% | 78.5% |
| Q4 2025 | 71 | $1.5B | 10.27% | 0.23% | 1.07% | 79.9% |
| Q3 2025 | 70 | $1.6B | 10.19% | 0.22% | 0.96% | 77.8% |
| Q2 2025 | 68 | $1.5B | 10.00% | 0.25% | 0.84% | 78.8% |
| Q1 2025 | 68 | $1.5B | 10.13% | 0.26% | 0.80% | 74.8% |
| Q4 2024 | 67 | $1.5B | 9.96% | 0.28% | 0.75% | 76.4% |
| Q3 2024 | 66 | $1.5B | 9.98% | 0.35% | 0.68% | 76.1% |
| Q2 2024 | 66 | $1.4B | 10.03% | 0.34% | 0.64% | 77.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The State Bank and Trust CompanyBank Defiance, OH | 70 out of 100, Strong | $1.6B | 10.0% | 0.30% | vs |
| Main Street Bank Corp.Bank Wooster, OH | 67 out of 100, Moderate | $1.6B | 9.2% | 0.66% | vs |
| The Ohio Valley Bank CompanyBank Gallipolis, OH | 54 out of 100, Below average | $1.6B | 9.7% | 1.45% | vs |
| The Union Bank CompanyBank Columbus Grove, OH | 74 out of 100, Strong | $1.4B | 10.8% | 0.12% | vs |
| Sutton BankBank Attica, OH | 77 out of 100, Strong | $1.7B | 10.0% | 0.02% | vs |
| The Croghan Colonial BankBank Fremont, OH | 73 out of 100, Strong | $1.4B | 10.1% | 0.08% | vs |
Deposit insurance
Is my money safe at The Vinton County National Bank?
Yes. The Vinton County National Bank is an FDIC-insured institution (FDIC certificate #6636). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.9% of deposits ($431.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
17 locations
Branches
The Vinton County National Bank lists 16 offices in 14 cities. Most locations:
- Chillicothe, OH (2)
- Lancaster, OH (2)
- Ashville, OH (1)
- Bremen, OH (1)
- Canal Winchester, OH (1)
- Circleville, OH (1)
- Commercial Point, OH (1)
- Grove City, OH (1)
- Jackson, OH (1)
- Laurelville, OH (1)
- Logan, OH (1)
- Mcarthur, OH (1)
HMDA 2025
Mortgage lending
In 2025, The Vinton County National Bank reported 927 home-loan applications under HMDA (LEI 54930087JNDLPJWOLV11): 674 originated ($152,770,000 total), 136 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Vinton County National Bank
- Former names
- The Vinton County National Bank of McArthur
- Type
- National bank
- FDIC certificate #
- 6636
- RSSD ID
- 754826
- Primary regulator
- OCC
- Holding company
- Community Bancshares Inc
- Established
- January 1, 1867
- Headquarters
- 203 West Main Street, Mcarthur, OH 45651
- Website
- www.vcnbfamily.bank
- Employees
- 244
Quick answers
The Vinton County National Bank: common questions
Is The Vinton County National Bank FDIC insured?
Yes. The Vinton County National Bank is an FDIC-insured institution (FDIC certificate #6636). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Vinton County National Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Vinton County National Bank ever failed?
There is no failure record for FDIC certificate #6636 in the FDIC failed bank list.
How many branches does The Vinton County National Bank have?
17 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mcarthur
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kyger Creek Credit UnionCredit union Cheshire, OH | 84 out of 100, Strong | $20.9M | 18.9% | 0.60% | vs |
| The Hocking Valley BankBank Athens, OH | 77 out of 100, Strong | $354.0M | 11.4% | 0.54% | vs |
| The Park National BankBank Newark, OH | 72 out of 100, Strong | $12.6B | 10.3% | 0.86% | vs |
| Peoples BankBank Marietta, OH | 67 out of 100, Moderate | $9.5B | 9.7% | 0.60% | vs |
| WesBanco Bank, Inc.Bank Wheeling, WV | 66 out of 100, Moderate | $27.7B | 10.2% | 0.86% | vs |
| Kingston National BankBank Kingston, OH | 66 out of 100, Moderate | $586.3M | 9.2% | 0.27% | vs |