What Do Our Lenders Wish Customers Knew About Home Loans?

Building or buying a home can be stressful. There are countless decisions to be made and processes to follow that customers typically don’t experience often. That’s why it’s important to have an experienced banker who can show you the way. We asked some of our experienced lenders what they want customers to know prior to financing a home.

Mortgage Loan Officer Brooke Adams works at our Ross County Banking Center in Chillicothe where she provides borrowers with a checklist of items she will need to start their loan application.

She pointed out that there are many moving parts and pieces of any mortgage or construction loan process at the bank as well as through other individuals including appraisers, surveyors and the title company. Working within their individual timelines can create some challenges. “Each person involved in the many steps of the process have the same goal  –  to help the person close on their loan. However, in this big mortgage boom, we all have to be patient with turn-around times.”

Chad Meadows, a Mortgage Loan Officer at our Friendly Banking Center in Lancaster spoke specifically about the effort involved in building a home. “It’s always a pleasure to help customers realize their dream of building a home which will probably be their largest investment within their lifetime,” he said.

He suggests that customers speak with a lender prior to meeting with a builder to insure they are setting realistic financial expectations. “Realizing this dream and making it a reality requires coanstant communications between the homeowner, builder and lender. The continuity of this team is paramount for a successful project. It is most helpful to speak with a lender prior to meeting with the builder to accomplish realistic financial goals from the start.”

He elaborated on why this is important. “Items such as property taxes, insurance and monthly mortgage payments are a necessity to set realistic expectations for their dream home. This also helps the builder to save time and resources to effectively initiate the project on the right path. Accomplishing these few objectives in the beginning along with the team communicating consistently will make for a smooth and effortless construction project.”

Salt Creek Banking Center Senior Retail Lender Doug DeLong said that there is never a perfect time to take the leap but that there are practical reasons that make this the right time. “I would tell customers that now’s the time to do it! Rates have literally never been lower. With the costs of construction materials pretty high right now, the customer can more than make up for it with the extremely low interest rates.”

Still not sure if you’re ready to take the first step toward buying or building your next home?  Our lenders will be happy to answer your questions. “It is pure joy at the end of the day to watch a borrower achieve the dream of owning a home or buy that next home to grow their family.” Adams said.

Contact our Customer Service team at 1.800.542.5004 or contact a lender close to you!  

Your Dreams Matter To Us

At Vinton County National Bank, we have spent over 150 years helping customers reach for their dreams. It’s actually our favorite thing to do.

There’s nothing more fulfilling than helping a young person buy their first home, a family take their dream vacation, or to see eyes light up when a customer realizes their dream home is within reach.

But dreams can be lofty and it’s not always easy for individuals to know where to start. That’s ok because we have experienced, proven lenders who not only know where to start but who can also guide you down the road ahead.

There are few dreams bigger than building a house. Most customers have a floor plan, they have a vision of a big kitchen with a farm sink or a living room with just the right spot for the Christmas tree. Few are experienced with choosing a contractor or the hiccups that come with every home built.

We will guide you through this process because your dreams matter to us.

Ready to build? Now is a great time to start! Visit VCNBConstruction.com to get started.

In Their Own Words: Community Banking According To Our Branch Managers

We are proud to be a community bank. What does it really mean to be a community bank? We asked some of our branch managers to tell us in their own words what community banking means to them and what they like best about being a community banker. Here’s what they had to say!

“One of the things I appreciate about working for a community bank is that we get to know our customers and their unique needs. Growing up on a farm, I understand a farmer’s business and their needs. They don’t have to explain their life and the challenges to me the way they would to someone without that background.”

Katy Hanes

“I like being able to get to know my customers and I think they appreciate the personal touch they get from us. That’s not something that’s encouraged or even possible at big banks so it feels really good to offer it here.”

Matt Hearn

“One thing I really like about VCNB is that they encourage us to get involved in the community, they reward us for volunteering and they want us to know our customers.         I never had that before at my old job.”

Christina Wine

“The thing about working in a bank in a small community is that you get to know almost everyone and they get to know you. It feels good when someone calls and asks for you. It tells you that that you’re doing something right – that you’ve built a relationship with that person and that they trust you to take care of them.”

Charlotte McCarty

“It’s going to sound cheesy but I love helping people, especially the problem solving aspect of what I do. I appreciate that we are taught about why a policy or procedure exists and the bank gives us the tools and leeway to work with our customers.
We’re sometimes able to find ways to help the customer whether it’s helping them get approved for a car loan because their car just blew up or finding ways to help them
stop over drafting an account.”

JJ Wright

“You don’t find that community feel just anywhere but our involvement in the community allows us to be a resource to customers. That extends to employees too. When your staff and coworkers feel like family, you all work together better. You help each other out more and you feel like we’re all in this together.”

Brittany Walters

“I like to problem solve and love when I can figure out a customer’s issues.
That’s rewarding to help and to be a resource for them. Even with seventeen branches, we are still a community bank. We’re still allowed enough leeway to help customers
in a way that you just don’t find at big businesses. I mean, we all know
the Executive Team here. We all know the President.
We all are given the confidence and the freedom to work together.”

Kati Maple

“Do you know how important it is to work for a company that encourages employees to get involved? And it’s not just about opening savings accounts and lending money. It’s about helping out at events and going to the fair to buy livestock. I was a 4-her once and I remember how important it was to have businesses support the livestock sale. That’s where I got the money to open my savings account, from taking hogs to the fair!”

Jeremy Robson

“This is so much more rewarding than corporate banking which is very black and white. In corporate banking, there’s no opportunity to get to know your customers or to help someone who you’ve had to tell they can’t have what they want but that there
may be another solution. It’s like night and day when you go to work for a bank that actually wants to work with customers.”

Matthew Giroux

Here for You Badge

Small Business Spotlight: Crossroads Meats

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

Crossroads Meats exterior

Crossroads Meats is a custom butcher shop and retail store on Main Street in Adelphi.

If you’re looking for fresh, good quality meat, a local butcher shop is the place to go. Crossroads Meats in Adelphi specializes in custom butchering but has a popular retail storefront as well. Here you’ll find everything you need to stock your freezer or to entertain guests at your next backyard barbeque.

The attention to detail that owner Noah Cross gives to his work, combined with an increasing demand for quality meat, has helped the shop develop an eager following of customers.

Noah grew up in his father’s butcher shop in rural Missouri, where he helped out while learning the trade. “Growing up, I thought I’d never butcher for a living. Why would I when there’s all kinds of exciting things to do? But it comes back to what you know and what you love and I really love what I do,” he said with a smile.

Yet, when Noah and his wife Ann had the opportunity to relocate to Ohio and start a new life with a newly settled Mennonite community, Noah wasn’t sure he wanted to continue in the business. ‘It’s long days and they’re hard days. It’s real physical work, especially in your arms,” he said.

So when they came to Ohio, he took up tree trimming and removal. He did that for a while but quickly learned this fair weather business didn’t keep him busy enough. So he returned to his roots and began processing deer on the side, growing this business to accommodate the community’s need. This side business quickly took off, causing him to buy the old hardware store in Adelphi and set up a butcher shop and retail store.

Here he focuses on custom cattle processing jobs which keeps him extremely busy. At this time, their custom work is booked through early 2021.

But many customers know Crossroads for their retail shop. Here, customers line up to buy everything from hamburger and steaks to handmade sausage and fresh marinated chicken.

“A lot of our business lately has come in because of COVID. They say there’s a meat shortage and a lot of people have come here because they couldn’t get what they want at the store. But once they try our product they say they’ll never go back to buying at the grocery. They say they’re spoiled now,” he said. “A lot of people don’t believe there’s a difference in the taste but there really is. And you can shout till you’re blue in the face but it doesn’t mean anything until they try it and taste the difference for themselves.”

When asked about the difference in fresh meat from a butcher shop and that from a grocery store, Noah said that part of the difference lies in geography and timing. “When you’re buying meat from the store, you might be buying something that was raised in Kansas and slaughtered in California. Then it still has to be transported to the store for you to buy it. I’m not saying that a Kansas animal isn’t as good as an Ohio one but animals don’t transport well dead or alive. By the time it gets to you, that really shortens the shelf life,” he explained.

There’s a sign in the store that seems to summarize his work philosophy. It reads “Money can’t buy happiness but it can buy local and it can buy fresh.”

Group

Noah Cross and his employees take pride in the work they do, providing quality meats for the community. From left are Ginny Beachy, Twila Martin, Noah Cross and Jemima Zook.

That’s part of the reason he has begun raising his own cattle just down the road. “I like going from farm to table. I like feeding my own and knowing how it was cared for and that it just traveled a quarter mile down the road to get here. It’s important to me, knowing what I’m providing for people,” Noah said. “I have customers who have been up to see them and have already ordered cattle that isn’t even ready yet because they’re that confident it will be good.”

The meat they currently sell in the store comes from Heffelfinger’s Meats here in Ohio. Coolers are stocked with thick cut bacon, hamburger, steaks, chicken and pork chops. Noah’s employees make their own bratwurst, snack sticks, summer sausage, trail bologna, sausage links and sausage patties among other things. But some of their most popular items are already marinated and ready to cook. Chicken marinades include barbeque, garlic butter and southwest. He said their burgundy pepper New York strip steak and old fashioned dry rub bacon are especially popular too. Their seasoned hamburger patties are big sellers and can be purchased in smoky molasses, garlic tomato basil, and jalapeno cheddar.

Each Saturday, he fires up the smoker out front and cooks sixty to eighty sides of ribs. They come out of the smoker at noon, fresh and ready for customers to enjoy. They do encourage ordering in advance to ensure that customers are able to get this high demand product.

Some Thursdays, he smokes chicken wings, legs quarters and drumsticks too. Anything not sold that day will be available for purchase in the store.

Noah believes in delivering quality service and product. He also is pleased to work with customers and deliver what they request. He described a popular sweet Italian bratwurst link that they make. When a customer asked for that seasoning in a patty instead of a link, they were happy to accommodate. “That’s how new products are born,” he said.

The store also sells Camp Chef brand grills and smokers, chest freezers, some meat seasonings and Ben’s brand mustards and barbeque sauces. Essentially, if you need the meat or some way to freeze, flavor or cook it, Crossroads can help!

The business is very much a family operation. His wife Ann helps out with the business aspect and their four little boys, ages 10, 7, 5, and 2 spend a lot of time with their dad here and are well known to regular customers. They also employ three people to do processing, packaging and to help with the store.

While they clearly work hard and long days, Noah his thankful to the community for their support. “The people here are just wonderful. We moved here not knowing anyone and not deserving a thing and these Ohio people have absolutely showered us with their friendship, their kindness and business,” he said. “We’ve made so many wonderful friends that we simply couldn’t ask for more.”

Crossroads Meats is located at 11826 Main Street, Adelphi. For more information, visit their store or call 740.702.MEAT.

 

Meet Your Banker: Christina Wine

Today we continue our “Meet Your Banker” series by talking with Christina Wine. Christina is the Branch Manager of our Salt Creek Banking Center in Laurelville.

When Christina joined the VCNB Financial Family last year, it was in search of a job where community mattered. She had spent most of her career working with customers – first in food service management and then at a home improvement store before receiving a phone call that changed everything.

Christina wine - use

Christina Wine, Branch Manager of our Salt Creek Banking Center in Laurelville

A manager from a previous job called one day and asked if she would like to try being a teller for a regional bank. She accepted the opportunity and the challenge, setting off on the path to become a Mortgage Lender. But Christina quickly learned that she was more interested in the personal side of banking. “I loved being able to change lives by helping people look at the big picture,” she said. “I have always liked to coach and help people grow so it fit my personality really well.”

But there was something missing at her old job. With a longer commute and an employer that took a hands off approach to the local community, Christina was ready to find work close to home where the bank was part of the community. “One thing I really like about VCNB is that they encourage us to get involved in the community, they reward us for volunteering and they want us to know our customers. I never had that before at my old job,” she said.

While Christina is glad to be here, she admitted her timing with the move was poor. She was in her second of trimester of pregnancy at the time so she worked only a few months before taking time off for maternity leave.

But she is actively seeking ways to become more involved in the Laurelville community. Christina and the branch staff had just made arrangements to help unload the food truck and organize items for giveaway day at the food pantry when COVID 19 hit and changed the way volunteers are able to participate.

The Logan High School graduate is a native of South Bloomingville where she still lives. She laughed when asked about free time and mentioned her young family. With a newborn, a four year old and an 11 year old at home, she and her partner Ryan stay quite busy.

“I used to enjoy horseback riding and ATV rides but those things don’t happen too much with little ones.”

She grew up on a small farm with horses, livestock and lots of 4-H involvement. “I was definitely a country girl and practically grew up in a barn. I’d go swimming in the pond and fishing. I loved it and so did my friends. All my friends wanted to come to my house, it was so much fun.”

Today, Christina and her staff are glad to have the lobby open again after being closed for several weeks during the height of the COVID-19 scare. “It has been challenging but we encouraged our customers to remember that there’s so much we can do for them in and out of the lobby. We’re still able to open accounts, to accommodate all your lending needs. We are here for our customers and can do anything our customers need no matter what.”

 

Out With A Bang: Sheila Stickel Will Retire On New Year’s Eve

Sheila S.JPGWhen Sheila Stickel started with Vinton County National Bank in 1999, the bank had just three locations in McArthur, Wilkesville and Chillicothe. Much bank work was still done manually and online banking hadn’t even been invented.

Since then, the bank has expanded immensely and Sheila has worked in several branches and jobs, helping countless customers in many ways. But no matter her role here, Sheila always has the needs of the customer at heart.

That’s why her customers will be sad to learn that Sheila’s career with the bank will end when she retires on December 31.

A Vinton County native, Sheila worked for Society Bank in Columbus in the seventies and eighties before she went to an ophthalmic distributor where she sold equipment to eye doctors. When her sister, longtime VCNB lender Brenda Fee, called and suggested she apply for the Head Teller position in Chillicothe, Sheila thought it was worth a shot.

Today she is part of the VCNB Products and Services group, a team of five that tests, implements and maintains new products and services. They also assist both personal and business customers as well as bank employees who need help with those products and services.  She is well known to Business Online Banking customers as their go-to person for all answers about that class of products that she just calls “BOB.”

When she’s not helping customers, she’s busy generating several daily reports as well as monthly reports for lenders, New Accounts Offers and Personal Bankers.

Before going to Products and Services in 2012, Sheila worked directly with customers as Teller, Head Teller, New Accounts Officer and Branch Manager in a few different locations including West Fair Lancaster, Canal Winchester, Main Street Chillicothe, Laurelville and Tarlton. Since joining Products and Services, she has also worked in Ashville and Circleville, bringing the total number of branches she has worked in to seven.  She has visited all of the branches except the newest in Jackson. “I’m proud to say that I got to work in so many branches and see so many grow,” she said.

“I’ve seen the construction of some branches and the merging of some. We’ve gone from teller machines to online banking. Probably the most impressed I’ve been was going from the old teller machines to computers,” she smiled, explaining that teller machines were basically just large adding machines.

During the years before computers, everything was done manually. From manually stuffing statement envelopes to bundling up work for the Proof Department to process in another office, everything took longer and was more challenging than we find in the tech friendly bank of today. When the bank introduced online banking they held a contest for naming the product. Her entry “Bank to the Future” didn’t become the name of online banking but was used as the slogan. “I won a day off for the idea and Marketing went to town and used that to promote our Online Banking!”

Much has changed since Sheila won that contest as customers can now do almost all their business and personal banking online. “Today businesses can do almost everything they need with the click of a mouse. It just fascinates me how much control they have over their accounts and activities,” she said.

While she says she will miss the people, Sheila has a lot to look forward to including spending time with her recently retired husband and two grown children. She is especially excited to spend time with her seven year-old grandchild and a new grandbaby expected in June.

She looks forward to traveling some and to simply doing what she wants to do on her own time. “I have enjoyed my job but it’s time to hang up my hat,” she smiled. “Happy trails to me!”

The bank will celebrate Sheila’s retirement with a party on New Year’s Eve. Stop by the Pickaway County Banking Center in Circleville that day to wish Sheila good luck in this exciting new stage of her life!

 

 

 

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

 

A Fond Farewell: Earl Later Retires

Talk to Earl Later about how he spends his time outside of work and you have to wonder how he even finds time to work at the Salt Creek Banking Center. That’s actually no longer a problem for the longtime banker since he retired from the bank last week.

Earl has worked at our Laurelville branch since before it was part of the VCNB Financial Family. He started at Salt Creek Bank in 1995, bringing with him years of experience as a lender at other banks in Logan. When he started at Salt Creek, part of his job was to organize loan records and modernize forms to overhaul tracking and record keeping systems. “I spent a lot of time just getting files straightened out and updating forms so that we could have a better system moving forward,” he explained.

Earl Later retires 2He cut back to two days a week fifteen years ago but says he is now ready to retire from the bank and direct his attention elsewhere. And there is no shortage of things to keep him occupied.

Earl’s life with his wife Brenda keeps him active and busy. For the past six years, the two have been rearing two young boys – the children of Brenda’s deceased niece. Now aged 12 and 13, the boys are involved in school activities including soccer and basketball. “That keeps us going, having the boys and all their school work and sports and things they’re involved in,” he said.

Brenda also operates a cottage bakery business out of their home. From wedding cakes to party cupcakes to cheesecakes for a local restaurant, she stays busy with baking and decorating. He helps out as her runner, picking up supplies and assisting with deliveries.

He’s also looking forward to organizing his wood shop so that he can use it for future projects. And that’s without mentioning his ten acre Rockbridge property where he mows about five acres of grass, does snow removal and other maintenance.

Earl also credits a lifetime of hard work as he described growing up on his father’s farm. The Rockbridge property that now is home to a popular antique and craft mall was once his father’s busy farm.  “You name it, we did it. I drove tractor, baled hay in the summer when it’s hot. I learned to work hard.  Now I like to mow because it clears the mind, it’s a different world out here,” he said.

Earl also has a son, Mark, who lives in Logan. The pair have an annual tradition – they attend a NASCAR race together and try to visit a different track each time. “We’ve been to a lot of different tracks and we look forward to it every year.”

“Of course, I’ll miss talking to the customers and I’ll miss my coworkers but it’s a changing world and it’s a good time to retire. Nothing stays the same. That’s the one constant,” he said. “I like to keep the blood flowing. A lot of people, when they retire, they just sit down. The key is to keep active,” he said. “To me, old age is about fifteen years older than I am.”

 

Supporting Community By Investing In Ourselves

Artists Renderings of the new Pickaway County Banking Center in Ashville

 

Last month we told you a little about our core values – the things we value most and that make us who we are. We talked specifically about how we value community and the things we do to support our communities through volunteerism, donations and encouraging our employees to get involved.

Another way that we support our communities is through investing in ourselves. That sounds a bit self-serving but we believe in taking care of our buildings and putting our best foot forward whenever possible. A well cared for branch that operates efficiently is an investment in the community as well as in ourselves.

That’s part of the reason we have been undergoing upgrades at some of branches for the last several months. Last year we updated the storefront of our Circleville location and we’re putting the finishing touches on work at our Grove City branch while renovation projects are in full swing at our Laurelville and Lancaster West Fair locations. We recently finished demolition and clean-up of our Ashville building to make way for a brand new facility.

Plans are in the pipeline for improvements at other branches in the coming years.

Supporting the community means being good neighbors and we hope you’ll be happy with the results as we modernize and improve our locations in the coming months and years. The next time you’re in one of the branches under construction, be sure to ask the staff about the plans and have a look at the artist’s renderings of the new work!

Renovation Underway at Salt Creek Banking Center

VCBC SCBC Laurelville Exterior Render Elevation 073118VCBC SCBC Laurelville Render Elevation RED 073118We have started construction on a full renovation project at our Salt Creek Banking Center in Laurelville. This is now the third branch in a multi-year plan to renovate or replace all of our seventeen offices.

We are pretty fired up about the work we have planned here. In fact, when we saw the architect’s renderings of this office we all said a collective “Oh, wow!”

This renovation will usher into Laurelville a new era of banking that will empower most of our retail staff to help customers with all their needs and will create an atmosphere that is both personal and easy for customers to bank.

The work will begin with an exterior renovation that will include widening the front steps and making them easier to climb. The front door will be replaced with one that is wider and easier to open.

Inside, the interior will be remodeled to open the floor plan and add glass storefronts to three office spaces. Lower ceilings and new paint, carpet and lighting will create a light, bright and airy space to do business. A new history wall will spotlight the town’s heritage. Plus digital signage and iPads will provide customers with a more modern, hands-on banking experience.

During construction, temporary teller stations will be set up at the rear of the building and all customers will be asked to use the rear ADA entrance. Our Laurelville customers have been loyal for many, many years and we look forward to giving them a better place to bank.