Terry M. Kramer

DCB Financial Corp. is a financial holding company. The company, through its subsidiary, The Delaware County Bank & Trust Co., provides customary retail and commercial banking services to its customers, including interest and non-interest-bearing checking accounts, money market accounts, savings accounts, time deposit accounts, and individual retirement accounts. Its lending activities include the making of residential and commercial mortgage loans, business lines of credit, working capital facilities and business term loans, as well as installment loans, home equity loans, and personal lines of credit to individuals. Investment management and trust services include personal trust, employee benefit trust, investment management, custodial, and financial planning. The company was founded on March 14, 1997 and is headquartered in Lewis Center, OH.

The Delaware County Bank & Trust Co. is a state chartered commercial bank. The company is based in Lewis Center, OH.