DCB Financial Corp (DCB) is a financial holding company. The Company is the holding company for The Delaware County Bank and Trust Company (the Bank). The Company's non-bank subsidiaries include DCB Title Services, LLC and DCB Insurance Services, LLC. It offers banking services with a range of financial products for its commercial, retail, government and investment management customers located primarily in Delaware, Franklin and Union Counties in Ohio. The Company's 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. DCB's investment management and trust services include personal trust, employee benefit trust, investment management, custodial and financial planning. Through Raymond James Financial Services, Inc., it provides financial counseling and brokerage services.