What We’re Grateful For: VCNB Employees Give Thanks

Thanksgiving Greeting Card

Every day is a good opportunity to give thanks but we’re especially mindful of how fortunate we are during November and this season of thanks. As a community bank, we know we are lucky to do business in such wonderful towns and communities across southern and central Ohio.

We are thankful for customers, many of whom have been with us for years if not decades. Some hail from families that have done business with VCNB since the 1860s. We are also incredibly thankful for our employees. Some of these folks have spent their entire careers with VCNB and are eyeing retirement while we have many newcomers who are eager to learn the VCNB way.

We asked our employees to tell us what they’re thankful for this year and here are some of the responses we received. We hope you enjoy reading them as much as we did!

*  *  *

I’m thankful for the friends I’ve made here at VCNB! I came in and was instantly made welcome by almost everyone! I’ve built a lot of wonderful friendships here and for that, I am forever thankful!

Johnathon Bentley
Personal Banker in McArthur

*  *  *

I am thankful first and foremost for my family! I am also very thankful for all the military men and women that are or have served to keep us safe!! Finally I’m grateful to be living in Perry County around some wonderful neighbors that look out for each other!

Alyssa Holbrook
Personal Banker in Bremen

*  *  *

I am thankful for the past seventeen years of employment with VCNB and the privilege of working with a great group of people.

Beth Bayless
Senior Personal Banker in Canal Winchester

*  *  *

I am thankful for my wonderful family, my great friends and my health and job.

Alice McCloud
Teller in Wilkesville

*  *  *

I’m thankful my wife and I were each able to transition to working in Columbus this past year. This has allowed us to move back to where we grew up and be close to family. It’s been so great to be back around both of our families, especially our niece and nephews.

Josh Palmer
Branch Manager in Pataskala

*  *  *

I am most thankful for my boys who push me every day to be a better person and remind me what is most important in life. I’m thankful for the success and growth we continue to have at VCNB and the great people I get to work with across all lines of the bank. I am also really thankful for the holiday season that, despite all the to-do’s and crowds, gives us time to spend with loved ones, reflect on the past year, and look forward to the next.

Justin Pike
Chief Auditor

*  *  *

Most of all, I am thankful for my four boys – they are the loves of my life. I am also thankful to have an amazing fiancé, beautiful home and a job I love.

Melissa Wietelmann
Assistant Branch Manager in Ashville

*  *  *

Give thanks not just on Thanksgiving Day, but every day of your life. Appreciate and never take for granted all that you have.

Erin Hart
Teller in Laurelville

*  *  *

I’m so thankful for the family and friends in my life. They all mean so much to me. So happy to still have Mom here and doing well and that she and I can still travel to see family in Tennessee and Florida.

Paula Goodfellow
Senior Retail Accounts Officer in Chillicothe

 

Canal Banking Center To Host Realtor Class

Our Canal Banking Center hosts a continuing education classes for realtors every fall and it’s time for another one! Our next realtor CE class will be co-hosted with First American Title in Canal Winchester on September 17.

“Ethics: You Be the Judge” will feature speaker Sally Steining, an attorney for First American Title, and will meet the Ohio Ethics requirement for realtors.

This class will cover who can file an ethics complaint as well as the process for filing a complaint, including the new online form. The class will use a polling app so that attendees can use their cell phone or table to vote on answers to fact patterns for about twenty actual Ohio ethics complaints and the discipline used.

VP of Lending, Mortgage Loan Originator Chad Meadows co-hosts the event on behalf of VCNB. “I enjoy interacting with many of the realtors that have supported VCNB over the years and have been important referral sources for the bank. Additionally, it has become somewhat like a tradition every fall to get together at this event and many look forward to this time where important and timely topics are discussed by very seasoned and knowledgeable speakers,” Meadows said.

The class will be held at Kingy’s Pizza Pub from 12:30 to 3:30 p.m. Snacks and drinks will be provided during class and pizza after class.

RSVP to Josh Cecil at jcecil@firstam.com.

 

 

 

 

Bank Where You See Our Logo

Do you know how to spot a VCNB branch?

We have seventeen locations in eight Ohio counties and they operate under a few different names – Friendly Bremen Banking Center, Canal Banking Center, Hocking Hills Banking Center,  Jackson County Banking Center, Pickaway County Banking Center, Ross County Banking Center and, of course – Vinton County National Bank.

Embracing a community name is our way of embracing our communities!  While they may operate with different names, all of these bank branches are a part of the VCNB Financial Family and all embrace the same values and priorities that have been developed since our first bank opened in McArthur in 1867.

But how do you recognize a VCNB branch? That’s easy. Just look for our logo!

VCNB_V_CMYK

Regardless of which VCNB branch you went to when opening an account, you can bank anywhere you see our logo. Need help finding a VCNB office? Click here!

 

Small Business Spotlight: The Olive Branch Coffee and Pizzeria

Small businesses are important to communities and running a business is tough work. That’s why we feature a small business in one of our communities every month!

Ask Tamie Wallake to talk about her business The Olive Branch Coffee and Pizzeria and you might expect her to tell you about the delicious food they make with fresh ingredients. You might expect her to brag about how they’re able to prepare fresh subs, custom pizzas and salads in a matter of minutes. You might expect her to mention the relaxing atmosphere and the coffee shop that invites customers to stay.

If that’s what you expect from a conversation with Tamie, you would be wrong.

Instead, her eyes sparkle and her demeanor brightens as she discusses how she and her husband Bryan use this business to help people who need a second chance. The Olive Branch helps people who are recovering from tough breaks and poor life choices that may have resulted in addiction, homelessness or crime.

The story of how this business came to be and of its place in Canal Winchester is actually quite complex and one that is rooted in faith and service to community. Bryan is a real estate broker and Tamie is a former realtor. Together, the pair have a history of building and selling businesses that fill a need,  including a golf course, a fitness center, and a construction company. “We have a talent for building businesses but not an eye for growing them. So, after selling the golf course we were looking for a new project.  I felt like God wanted me to do a daycare,” she explained.

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That’s why they opened Heaven Sent Children’s Academy which employs 35 teachers to care for 200 children. Empty acreage next door to the daycare was beckoning to be filled but the pair weren’t certain what business they should pursue next.

When Bryan came home and announced he wanted to open a pizza shop, she said her reaction was not initially supportive. “What do we know about making pizzas? I thought he was crazy,” she laughed. “But then I started thinking about the good we could do and how we could help people who are struggling because they made bad choices at some point in their lives.”

Those people who are struggling often slip through the cracks, becoming a statistic or sometimes a story on the evening news. But through the daycare, through her sister who is a foster parent, and through the couple’s nonprofit organization called Breaking Chains, she saw firsthand the dire need that many members of the community suffered with every day.

She tells some of those stories – not of statistics – but of real people who couldn’t get ahead even when they tried and who needed a second chance to start their lives anew.

She speaks of a young man who was homeless and who had a felony conviction. A hard worker that no one would hire because of the conviction, he had nowhere to live and a newborn baby. So Tamie and Bryan stepped up to help the young family and learned why it is so easy for people like him to be forgotten. “He was really trying but couldn’t get a job, couldn’t get a place to live because of bad choices he made years before. It’s no wonder people struggle when they can’t get a second chance,” she said.

“I realized I could use this business to help people like him. So I agreed to make pizzas if we could use it to help others and to give back,” she said. Consequently, they donate monthly to two charities including Breaking Chains which assists people coming out of homelessness and drug addiction.

But Tamie and Bryan didn’t want to just make pizzas. They wanted to make excellent pizza with fresh ingredients, quick service and the best customer service in town. They first attended pizza school at Good Fellas in Staten Island, New York. Good Fellas is renowned in the pizza industry for making some of the world’s best pizzas. They teach their students to use the best ingredients to make their dough and sauce from scratch.

Customers can watch their dough pressed and the pizza made before their eyes. It’s slid into a brick oven and baked for 2.5 minutes before coming out piping hot and ready to enjoy.

Signature pizzas include a BBQ Chicken Pizza with sweet bbq sauce, mozzarella/ provolone mix and cheddar cheeses plus chicken, bacon and onion. Diners can also choose from a host of meats, vegetables and cheeses as well as eight sauces to make their own custom pizza. Plus they offer signature subs and salads as well. Vegan and gluten free customers will have no trouble finding delicious options on the menu. They even offer a cauliflower crust.

Many of their ingredients come from a community garden behind the restaurant. Daycare children from Heaven Sent help tend the garden, learning about the how food grows and the importance of worms. “These are city kids and they have a chance to learn about growing food. Plus, what we don’t use here is donated to Heaven Sent so nothing is wasted,” she said.

Open the door to the Olive Branch and you are immediately hit with the divine smell of baking pizzas and melted cheese. The next thing you’ll notice is how prompt, courteous and helpful the staff are at all times. “We focus on customer service. We want the customer to be number one and we want the product to be excellent. We’ve worked to give them a sense of ownership and we are always working on customer service skills. Honestly, we have the cream of the crop here, a great group of kids,” she said of their staff of twenty.

“We are careful not to have too many second chancers here at one time,” she said as she explained how the ownership employees feel in their work extends to helping newcomers learn the Olive Branch way.

In addition, the business offers a coffee shop which serves One Line Coffee, a Columbus business that roasts coffee fresh when it is ordered. They actually offer more flavors than national chain coffee shops and have a peaceful atmosphere for conversation, meetings and quiet reflection. Smoothies, hot chocolate, espresso and frapuccino are a few menu items. Plus there are muffins, homemade cinnamon rolls, breakfast pizza and burritos. Homemade donuts are available Thursday, Friday and Saturday.

coffee shop

Comfy chairs welcome customers to the coffee shop.

The business has a distinct area for the pizza restaurant, a quiet area complete with a fireplace for the coffee shop as well as party space for bridal showers, Bible studies and birthday parties. “We literally offer the best of both worlds. We have fast, courteous service but we also have good quality ingredients, good food and a pleasant dining experience,” she said.

With the business approaching its two year anniversary, Tamie and Bryan have one eye on semi-retirement. “We understand that we are good at building businesses but we’re not so good at taking them to the next level and growing them,” she admitted.

That’s why they have engaged their grown sons to take over the Olive Branch. Braden will take over the marketing and Jeff will manage the daily operations. “Jeff has the mindset and the ability to take us to the next level and to do things here, to do things with people that I could never do,” she explained. “I’m at peace with stepping away from the daily work and trusting it with him. And I just know it’s going to be a real blessing for him and for others.”

Tamie and Bryan will take a break to rest before deciding their next move. She looks forward to finding greater balance in her life and to enjoying some freedoms that are hard to achieve when running a business every day. But she remains passionate about the message on their shirts – “It’s not just about the dough. Pizza with a purpose.”

She clearly is devoted to helping people by filling needs in the community and through addressing specialized needs that impact individuals and families. “Being able to do this has been a true blessing for us. Being able to take a break and to come back having found some balance, I think we’ll love it more,” she said with a smile.

The Olive Branch Coffee and Pizzeria is located at 5600 Gender Road in Canal Winchester. Dine in, carry out, request delivery or arrange curbside pickup. Order online, follow them on Facebook or call 614.524.6888.

 

 

 

 

Santa Visits Set

Ellora Starr cropped.jpg

Here at VCNB we’re pretty good friends with Santa Claus which is why he’s kind enough to visit some of our branches every December. We know it’s his busy season so we really hope you’ll take advantage of his visits by coming to see him!

Boys and girls of all ages are welcome to visit, share their holiday wishes and have their picture taken. Just remember to bring your own camera or phone for pictures!

Here are the dates and locations!

Friday, December 7 from 3 p.m. to 5 p.m.
Canal Banking Center

Friday, December 14 from 3 p.m. to 5 p.m.
Friendly Bremen Banking Center in Bremen

Thursday, December 20 from 3 p.m. to 5 p.m.
Friendly Bremen Banking Center in Pataskala

Friday, December 21 from 3 p.m. to 5 p.m.
Friendly Bremen Banking Center Lancaster East Main

Why We Are Thankful

Give thanks with a greatful heart - Thanksgiving day lettering calligraphy phrase with leaves and hearts. Autumn greeting card isolated on the white background.jpg

We asked our employees to tell us what they’re thankful for this Thanksgiving! Here are a few of their responses.

There are so many things to be grateful for! Faith, family, friends, health and each new day are all blessings I am thankful for. I am also thankful for my job with VCNB and for the opportunity to transfer to a new position this year!

Grace Delong
Indirect Loan Processor

* * *

I am thankful for my two daughters. They are truly the best blessing I could have ever asked for. I’m also thankful for my family and friends. They are always there to help and support me.I am very thankful for my job. Without my job I wouldn’t have been able to provide for my daughters.

Kati Maple
Branch Manager, Pickaway County Banking Center – Ashville

* * *

Most of all, I am thankful for family. I know that sounds so typical but you haven’t met my family! We are not typical!

Barbara Perry
Teller, Pickaway County Banking Center – Circleville

* * *

First and foremost, I am thankful to serve a God who gave his son so that I may have everlasting life. I am thankful to have great family and friends to share my life with. I am thankful to have the ability to pull memories of loved ones who have gone before me. I am happy to live in this beautiful free country where I can make my own choices. I am also grateful to be able to help others as the opportunities arise. All in all I am a very thankful and blessed lady.

Monica Delong
Retail Accounts, VP

* * *

Thanksgiving is here, with another year coming to an end. I have always thought of Thanksgiving as a favorite holiday of mine. We can celebrate together, giving thanks to the God that we serve for what he has done for us. I am thankful for my wife, children, and now grandchildren for the happiness they give me. As I continue to age, I am more and more thankful for the health that I have. We cannot forget the country that we live in, and the freedoms that we take for granted. I will, also, pause to thank VCNB for the opportunities that they give to us to grow and serve the communities that we work in. Lastly, I was born on Thanksgiving!

Dale Massie
Senior Retail Lender, Jackson County Banking Center

* * *

I have so much to be thankful for. God has blessed me with a wonderful family, nice home, a good job and so many other things that we sometimes take for granted. I hope everyone has a Happy Thanksgiving and enjoy your time with family and friends.

Charlotte McCarty
Branch Service Manager, Vinton County National Bank – Wilkesville

* * *

I am thankful for having two healthy little boys who fill my heart with joy, along with my husband who is my biggest supporter and best friend. I am thankful for having a great place to work at that is so understanding to a working mom and the hiccups that happen with having two small children.

Emilee Harper
Branch Manager, Pickaway County Banking Center- Commercial Pont

* * *

I am thankful I work for a company that allows – and encourages – personal involvement with my community and allows me the freedom to make sure I can be there (wherever “there” may be from time to time) for my family. I live a busy life between my professional life and the extracurriculars my family is involved with and the groups and organizations that are important to me. The ability to simply “be there” sometimes is greatly appreciated. Add to the fact that I call Southeast Ohio home – I’m born and raised here – and there’s a certain pride I have in making a living here. I’d feel silly asking for much more than that.

Austin Rohr
Marketing Specialist

* * *

I am thankful for nights that turned into mornings, friends that turn into family, and dreams that turned into reality.

Erin Hart
Teller, Salt Creek Banking Center

* * *

This holiday season, I have the privilege of hosting our family’s Thanksgiving gathering for the very first time. In October, we were blessed with a new home and enough space to accommodate my 20+ loved ones for dinner. I am so very thankful for the opportunities given to me in 2018, and more importantly, to be able to share them with the people I love. To my father who returned home from surgery just last week, I am grateful to have you here to cut the turkey. Happy Thanksgiving to all!

Nicole Scott
Branch Service Manager, Friendly Bremen Banking Center – Bremen

* * *

This Thanksgiving, I have so many things to be thankful for. Here are just a few. First and foremost, I’m thankful to have a God that forgives us and loves us unconditionally. I’m thankful for my family and friends and I’m thankful for our military who fight for our nation’s freedom every single day so we can be free. Happy Thanksgiving everyone!

Patricia Scott
Senior Teller, Ross County Banking Center – Richmond Dale

* * *

This year I am thankful for another fantastic year with my husband. We have built a beautiful life and I am thankful for it each and every single day. We adopted the sweetest/crazy puppy this past January and have truly enjoyed watching him grow into an amazing companion to us. We have a home that we built together fifteen years ago filled with all of our precious memories. We get to travel and well, just spend as much time together as we possibly can. He is my best friend and I am more than blessed and thankful to get to live my life with him.

Emily Wangler
Personal Banker, Franklin County Banking Center

* * *

I wish to give thanks for all the blessings I have today. I’m thankful for all those around me – my co-workers, customers, friends and my family. I’m grateful for my good health, living life to the fullest with my family, and getting to call beautiful Vinton County my home.

Beth Ann Patterson
Senior Retail Accounts Officer, Vinton County National Bank – McArthur

* * *

I am thankful for my home, family, and for the memories we make everyday.  For the love ones that I lost. Who taught me to live life to the fullest and gave me the opportunity to love them in return. I am blessed each day and thank God for the great scenery.  All the colors in the fall, to the first frost, only to start at the beginning with all the colors of spring. Each day is a blessing and I’m thankful.

Tracy Nichols
Senior Customer Service Representative

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I am thankful every day for our God, family, health, home, friends and neighbors. Happy Thanksgiving to all!!!

Melda Cottrill
Personal Banker, Canal Banking Center

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This year I am especially grateful for our new house and family. From my sister giving birth to two beautiful twin girls in September (I’m an uncle!) to the more recent loss of my grandmother only a few short weeks ago, it’s been an eventful year. I feel lucky to have such a supportive and loving family through the high and low moments of life.

Mitchell McCrady
Personal Banker, Friendly Bremen Banking Center – Pataskala

* * *

I am so thankful for my family. My wife and children and all of my family, whether they’re blood related or not. They all collectively make my life better and without them, I’d be lost. They’re my biggest supporters through everything and my biggest comforters when things aren’t so good.

Johnathon Bentley
Teller, Vinton County National Bank – McArthur

 

From all of us here at VCNB, we wish you and yours a happy and peaceful Thanksgiving. We are thankful to be a community bank with hard working employees and to be serving customers in so many amazing communities. We thank you for your business!

Small Business Spotlight: The Canal Wigwam

Small businesses are important to communities and running a small business is tough work. That’s why we feature a small business in one of our communities every month!  

Canal Wigwam

Canal Wigwam has long been a fixture in downtown Canal Winchester.

After celebrating our own 150th anniversary last year, we wanted our first Business Spotlight of 2018 to feature a business with its own rich history and we didn’t have to look far.  Originally opened in 1899, The Canal Wigwam is known throughout the region as the perfect gathering place for locals and visitors in Canal Winchester.  But its century-plus old history has not been without a hitch; a fire in 2014 threatened the existence of our beloved local business.

Owners Mark and Angela Savino purchased Canal Wigwam in 2011, very quickly after learning the business was going up for sale.  Mark had been looking for a business opportunity in the Central Ohio food industry, and the timing couldn’t have been any better.  With his familiarity of the industry, passion for food, and the assistance of our Canal Banking Center, Mark jumped on the opportunity almost immediately.  “I heard about it going up for sale in February (2011), and we actually closed on June 1, 2011!”  Mark said with a smile.

Mark grew up in the food business – his grandfather owned a grocery store in western Ohio, which Mark, his father and family continued and evolved through the years. Mark eventually came to Canal Winchester in the banking industry but he always had his eye on getting back into the industry in which he worked with his family.  The Canal Wigwam opportunity was too good to pass up and it seemed to be smooth sailing once taking ownership.

That was, until Friday, December 5, 2014.  A fire started in the wiring in the ceiling while a packed house enjoyed their food, friends, and conversation.  Mark recounts “It was serious.  We had to go.  We did what we could, but it was time to get out.”  The fire was severe enough to warrant a shut down lasting nearly eight months.  It was devastating to the business and the community alike.  Especially considering the timing.

2017 Staff Christmas Party

The restaurant hosts a Christmas party for employees every year! 

“It was Christmas time, obviously.”  Mark recalls.  “And Canal Wigwam had a large catering event that very night.  We had to buy all new inventory and supplies – serving dishes, food, you name it.”  And, in a true show of support, the City of Canal Winchester granted Mark’s crew permission to use the Community Center kitchen to cook and prepare for this event, which unbelievably, given the events of the day was a success.

But that wasn’t the only event impacted.  Mark and Angela annually throw a Christmas party in the restaurant for the employees. Now they had this event to worry about in addition to the status of the business and general well-being of the employees.

“The impact on the employees was significant, and it was important to continue the Christmas gathering so that we could come together and laugh despite the tragedy” explained Mark.  Again, working with the City of Canal Winchester, the Christmas party was moved to the  Community Center.  Because the community was also affected by the fire, Mark and Angela extended an open invitation to join in the festivities.

Everyone associated with the restaurant was overwhelmed by the support they were shown.  The Community Center was filled with friends and enough food to feed a City, as all brought a treat to share.  Canal Winchester Human Services provided Christmas baskets to all of the employees.  A GoFundMe account was set up by a customer, and an account was set up at our Canal Banking Center strictly for Canal Wigwam staff support.  By February, that account had reached over $9,000!  “The support we were shown was unbelievable.  Everyone who works at the Canal Wigwam think of our customers as family, and clearly the community mirrored the sentiment.  All who responded were incredibly generous and kind.  The response was humbling and healing, and continues to have an impact on me and Angela.”

The rebuild was not easy.  Facing multiple difficulties in construction and coding updates, insurance, ownership, etc., the project took longer than expected.  Mark continued to press on, eventually working toward gaining ownership of the building.  After months of delay, Brocon Construction was hired to finish the physical repair and rebuild project.  Finally, the project began to gain traction, and was essentially finished about seven weeks after beginning.  Mark was thrilled, crediting Brocon President, Bud Bropst, who “kept things on track with a dedicated and qualified staff and weekly project meetings.”

Raised ceilings, updated lighting, revamped bathrooms and updated equipment are just some of the physical improvements.  Staff updates were also needed.  Seven months-plus was a long time to be without work, and there were employees that had found good jobs elsewhere.  While Mark hated losing them, he was happy to see them land on their feet.

After time spent learning the new equipment and adjusting everything within the diner to their liking, it was time for a grand re-opening on July 31, 2015.  It was a tremendous success.  “We were swamped!  And we stayed swamped for two months straight!” Mark recalls.  “The community support during and after has been awesome!”

Since the re-opening, business is up dramatically.  Canal Wigwam employs about eighteen employees, its catering business is continually increasing, and the diner continues to serve up incredibly delicious, simple, affordable meals for breakfast and lunch daily, and dinner on Fridays.

Dinner at the Diner

Have breakfast and lunch at the Wigwam most days but enjoy dinner on Friday night! 

A visitor recently stopped Mark to shake his hand in the middle of the restaurant one afternoon.  “I assume you’re the owner?  I see you here all the time…” the gentleman started.  “I just want to commend you for the way you run your business.  You don’t know me, but I came across town, across the county to eat here and I wanted to tell you this.  You don’t cut corners.  Everything you serve is top notch – from the potatoes on down.  I just wanted to tell you that I appreciate that.  You don’t cut corners and I know it’s hard to run a small business.  I wanted you to know that.”
“Thank you.  My father would kill me if I didn’t do it right!”  Mark responded with a smile.

In 2001, 102 years after their original opening, it was written that “Canal Winchester just wouldn’t be the same without the Wigwam Restaurant.” Another seventeen years later, and the statement is still so very true.  Canal Wigwam is an icon in this tight knit Central Ohio community, and we’re thrilled to have their business!

Like Canal Wigwam on Facebook, or for a full menu, contact information or for more on the history of Canal Wigwam, visit http://www.canalwigwam.com/.

VCNB Prepares To Host Santa!

You better watch out
You better not cry
Better not pout
I’m telling you why
Santa Claus is coming to town

Kids of all ages are invited to visit with Santa at some of our banks this holiday season. The jolly old elf in the red suit will visit with all the good little boys and girls at several of our offices this December. We invite you and your family to these free events to share treats and stories with Santa himself!

Here’s the schedule:

Ellora Starr cropped

Little Ellora Starr is pictured here snoozing with Santa at our Bremen office a few years ago. 

Friday, December 8
Friendly Bremen Banking Center – 119 W. Main Street, Bremen
3 p.m. to 5 p.m.

Thursday, December 14
Friendly Bremen Banking Center – 700 Corylus Drive, Pataskala
3 p.m. to 5 p.m.

Saturday, December 16
Ross County Banking Center – 775 Western Ave., Chillicothe
9 a.m. to 11 a.m.

Saturday, December 16
Friendly Bremen Banking Center – 1971 W. Fair Ave., Lancaster
10 a.m. to Noon

Wednesday, December 20
Canal Banking Center – 6360 Prentiss School Dr., Canal Winchester
3 p.m. to 5 p.m.

Friday, December 22
Friendly Bremen Banking Center – 521 E. Main St., Lancaster
3 p.m. to 5 p.m.

In all the years that Santa has been coming to our banks, he has visited with children of all ages, some older folks and even a few pets! Bring your camera to be sure and capture the perfect image of your loved one with Santa!

Lender Speak: Tips For Choosing A Contractor

You’ve picked out your building site, you have your house plans and you’re ready to build a home. Congratulations! You must be excited! New home construction is one of the most exciting projects that our lenders get to work on. It’s also one of the most complex and has potential to be frustrating. That’s where a seasoned lender and a good contractor come in. VCNB employs some smart lenders who have been in this line of work for a lot of years. Today, we asked a few of them to weigh in with their tips for choosing a good contractor.

“My best advice is to take your time and ask lots of questions. First, get an estimate from more than one contractor and look at their history. You want to use a contractor with a solid history and not someone doing their first job. Another important thing to do is to look at other jobs they have done.”
Fred Wright

Fred works at our VCNB Loan Production Office on Veterans Drive in Jackson.

*   *    *

“Interview and meet with a lot of different builders. Look for a builder you will connect with and who you trust will meet your expectations.”
Donna Kopis

Donna works at our Friendly Bremen Banking Center on East Main Street in Lancaster.

*   *    *

“Choosing the right builder is the biggest decision one will have to make when building a home. I suggest speaking with multiple builders. Then choose one you feel you can trust to build the home the way you want and in a timely manner. It is vital to choose the builder who communicates clearly with you.”
Chris Coryea

Chris works at our Canal Banking Center on Prentiss School Drive in Canal Winchester.

*   *    *

“I have been fortunate to be involved in construction lending for nearly 20 yrs. Though customers may not realize it, a seasoned construction lender can help the process of building a home go smoother by helping them avoid common pitfalls and helping maintain the relationship between customer, lender, and contractor. Customers should be prepared to do a good deal of homework up front and that includes choosing the right contractor. The wrong contractor will make the project a nightmare very quickly and a struggle to complete. I encourage the customer to ask for references from the contractor and go look at some of their work including some projects that are in the process of being completed. Also, ask your lender about the contractor you are considering. If the lender is not familiar with the contractor, they will need to meet to make sure they are agreeable to our procedures. Those procedures are there for a reason and can help make sure we get a finished project. Ultimately, the customer and the bank are at risk until we get a finished project and neither of us want an unfinished home.”
Joe Risch

Joe works at our Pickaway County Banking Center on Court Street in Circleville.

Lender Speak: The Best Part Of Home Construction Lending

The VCNB Financial Family has some excellent, experienced lenders on staff. These folks have the privilege of working with customers to finance their dreams – their dream car, their dream kitchen, their dream home and a host of other projects that make life good. We talk a lot about what it’s like for the customer to finance a project with us but we don’t always stop and consider what it’s like for the lender.

Today, we’re asking some of our lenders about their favorite part of financing a home construction project! Here’s what they had to say!

 

“I love the excitement of it all. I love the excitement of the borrower once they know they are approved and the excitement of the borrower when the home is move in ready.”   Donna Kopis

Donna works at our Friendly Bremen Banking Center on East Main Street in Lancaster.

 

 

“The best thing is seeing a family’s dreams that started on a blueprint come true when they are given the keys to their new home. It’s a great feeling knowing we helped achieve their goal.”   Chris Coryea

Chris works at our Canal Banking Center on Prentiss School Drive in Canal Winchester.

 

 

“I like to see the excitement of the customers. It’s great helping them with their dream of building their own home and seeing that dream become reality.”    Fred Wright

Fred works at our VCNB Loan Production Office on Veterans Drive in Jackson.

 

“My favorite part of a construction loan is being able to help the customer fulfill a dream of building their very own home. The end result is very rewarding and helps mend the stress that it may have caused in the process. I enjoy seeing the different types of homes people build. Also, the process is very interesting – when it’s in the foundation/ framing stage it looks huge, then when drywall goes on it looks too small, then when it is painted and trimmed it gets bigger and usually just right. It’s a perception thing. As an owner, they may only build one or two homes in a lifetime. As a lender, we build several per year. It is this experience that can help both parties navigate through process and can also be rewarding knowing that you were instrumental in making it happen.”   Joe Risch

Joe works at our Pickaway County Banking Center on Court Street in Circleville.