All Offices are closed on Thursday, June 19th, in observance of Juneteenth. Bank 24/7 with Online and Mobile Banking.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government.

Theresa Elfring

VP, Senior Manager - Client Experience

NMLS #635966

Theresa is effective in helping to move Croghan forward by providing attention and focus on the customer experience. She is proud to lead and work alongside a team committed to its customers and communities. Theresa sees the value in financial education as a way of providing our youth with the tools and education to lead bright financial futures. She has over 20 years of retail banking experience and is known as a Mom, wife, coach, and volunteer.