All Croghan offices will be closed from Saturday, February 14, through President’s Day, Monday, February 16, 2026, for our Technology Upgrade. Please visit our Technology Update pages for important details, FAQs, and more. We appreciate your patience and continued trust, as we work to provide you with the best banking experience for years to come.

Personal Upgrade Details | Business Upgrade Details

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.

Tracy Baughman, AIF®, CIMA®, ATFA 

SVP, Chief Investment Officer & Wealth Department Manager

Tracy has worked as an Investment analyst and portfolio manager in a trust department setting since 1997. He holds the AIF, and CIMA designations focused on fiduciary investment practices.

Education has always been important to Tracy. He holds a Master of Business Administration and Master of Business and Organizational Leadership from The Defiance College and a Bachelor of Business Administration from Eastern Michigan University.

Tracy has a long history of volunteerism, where he has held roles within Big Brothers and Big Sisters. He is the past Treasurer of CrimeStoppers of Defiance and Paulding counties, a foster parent, and Bedford Athletics’ Concession Stand co-manager. Tracy assists his current church, Northwest Christian Church, as the Director of Finance and is an admin and moderator of an online community – CML.