Ripley Federal Savings Bank was incorporated in 1895. It was originally started in 1889 as The Ripley Building & Loan Association.
The savings and loan association was originally located at 117 Main Street and was moved to 109 Main Street in 1914. Various Ripley and Union Township residents were employees and directors of the association throughout the years.
The association became a federal association in 1935. Becoming a federal association gave security and safety to savers’ deposits. Ripley Federal was the only federal savings and loan association in Adams, Brown or Clermont County.
The association grew and prospered, and in 1958, the association purchased land just east of the Red Oak bridge at 252 S. Second Street. An office was constructed at this site for occupancy in January 1959. In 1974, the branch office at 200 E. State Street in Georgetown was built and due to increasing growth, a new building replacing the existing structure was constructed in 1999 to allow for increased teller and customer service areas as well as drive-thru service.
In January, 2000, the Board of Directors adopted a charter and by-laws to reflect the association’s move from a traditional savings and loan to be more reflective of its’ current plan of overall banking. At that time the name Ripley Federal Savings Bank was adopted. Along with the name change, came a new logo. It’s more than a new look, it’s our symbol of commitment to you! The dome represents protection and security, the dot people like us helping people like you make your dreams come true. The tree stands for growth and prosperity rooted in community, the house savings and home mortgages what we’re all about. The path shows we are open to new ideas and opportunities, and the bar is a solid foundation, 100+ years of stability.
The savings bank continued to grow and in 2004, the facility at 1006 S. Second Street in Ripley was built with occupancy taken in December of that year.
Ripley Federal is proud to provide many varied products and services to the community, including, checking and savings accounts, IRA/Retirement accounts, safe deposit box rentals, loan products, credit cards, ATM banking at three locations, a YesBanking Info-Line available 24 hrs. a day and on-line banking.
The banking industry is constantly changing and economic conditions are at times turbulent, but Ripley Federal Savings Bank is still here as a small community bank continuing to grow and expand our products and services – all under the original Ripley Federal name. No mergers, no name changes, after more than 115 years of serving our friends and neighbors, we’re still here. With a total of 18 dedicated full-time employees, many of whom have double digit years of service, Ripley Federal takes great pride in delivering the kind of personal service not always available in larger institutions. Staff members at the main office in Ripley consist of Andy Miller, President/CEO, Betsy L. Pasley, Secretary/Chief Operations Officer; Karen H. White, Treasurer/Chief Financial Officer; Michael S. Mussinan, VP Compliance; Loan Officers, Linda Beckelhimer and Lisa Garrison; Loan Operations Manager, Debbie Edmisten; Loan Processor Beth Fetters; Sarah Hardyman, Assistant Financial Officer; Head Teller, Brenda Barbour; Clerks/Tellers, Joanna Dugan, Kathryn Gilligan, Breah Osman, Nicole Gray, and Administrative Assistant/Receptionist, Margie Sims. The Georgetown branch is staffed by Beth Staggs, Branch Manager/Loan Officer; Head Teller, Amiee Havens; and Clerks/Tellers Julie Bolender Sturm, Terry Graham and Sharon Bishop. Our staff cares about our customers and our community. We take the time to treat you as a valued customer and not just a number.
Ripley Federal Board of Directors are William R. Geschwind, who is Chairman of the Board, John P. Cropper, David E. Poole, Kenneth D. Morrison, Danny R. Grooms and Andy Miller.
The friendly and courteous Ripley Federal staff are ready to assist you at the main office at 1006 S. Second Street in Ripley and the branch office at 200 E. State Street in Georgetown, Monday through Thursday, 9:00 A.M. to 4:00 P.M., Friday 9:00 A.M. to 6:00 P.M. and Saturday, 9:00 A.M. to 12:00 Noon. Everyone at Ripley Federal invites you to stop by and see for yourself what a hometown bank can do for you. As the last financial institution headquartered in Brown County, Ripley Federal strives to be a customer-friendly institution and be a positive influence on its customers, employees and the communities we serve.