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About Us


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.


The banking industry has migrated from customer service as their #1 priority to offering more products and charging additional and higher fees. The "big banks" must continue to add more bells and whistles to their product offerings in order to compete with one another. This shift has left the customer with little or no personal banking experience.

Victory Community Bank has a very different approach to banking. In this time of keeping customers out of the lobby and getting them in and out as quickly as possible, our philosophy is to invite our customers in and build solid financial and friendly relationships. Our focus is relationships.

Our product offering has been designed in conjunction with our focus on building these relationships. We offer all the basic banking products our clients need. Our product line-up includes personal and small business checking accounts, savings accounts, CDs and money market accounts; all with better than market rates. We also offer CD/IRA investments and a full line of lending products. These include first and second mortgage products, bridge loans, construction loans, commercial real estate loans and installment loans.

In summary, Victory Community Bank offers world-class service and better interest rates. We're back to the basics and "Banking in your best interest."


Title Name Email Phone Mobile
Chairman of the Board Carlo Wessels
President & CEO Jack Kenkel 859-578-7100 859-991-1123
CFO Tara Kersting 859-578-7103
Lending Manager John Kenkel 859-578-7105 859-391-7881
Retail Banking Manager Keith Braun 859-578-7106 513-335-2126