Victory merges with Heartland Bank


On April 7, 2020, Heartland Bank merged with Victory Community Bank. With Victory’s success over the past 15 years paired with Heartland’s strategic leadership, a partnership has been formed. Heartland is excited about the future and the possibilities that are yet to develop. With the combination of the Victory and Heartland teams, both emerge stronger and more focused on serving the Central Ohio, Northern Kentucky and Greater Cincinnati regions.

Please visit the new Heartland About Us page to learn more about Heartland’s history, find reference tools for the upcoming conversion and view press releases from Heartland Bank. 

About Us – the first 15 years….


Victory Community Bank was started as a Denovo Bank in 2003 by Jack Kenkel and Henry Fischer. The mission then as it is today is to provide great interest rates accompanied with local service to residents in Greater Cincinnati and Northern Kentucky. We are a market leader in residential mortgage lending.

Our Retail Banking locations are in Boone, Kenton and Campbell County. Our sister company, Victory Mortgage, has mortgage lending in Louisville, Columbus, Indianapolis, and Atlanta. We are appreciative of the thousands of customers who have banked with us over the last 15 years. We continue to live in the communities we bank.



Title Name Email Phone Mobile
SVP, Director of Northern Kentucky Region Pamela Goetting Pamela.Goetting@Heartland.Bank 859-630-3449 
Director, Heartland Bank Jack Kenkel 859-578-7100 859-991-1123
VP, Manager of Residential Origination John Kenkel 859-578-7105 859-391-7881