[Croghan Bancshares, Inc. Letterhead] August 2, 2013

Exhibit 4.1

[Croghan Bancshares, Inc. Letterhead]

August 2, 2013

Securities and Exchange Commission

100 F Street, NE

Washington, D.C. 20549

Ladies and Gentlemen:

Croghan Bancshares, Inc., an Ohio corporation (“Croghan”), is today filing with the Securities and Exchange Commission (the “Commission”), a Registration Statement on Form S-4 (the “Form S-4”).

Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation S-K, Croghan hereby agrees to furnish to the Commission, upon request, copies of instruments and agreements defining the rights of holders of long-term debt and of the long-term debt of its consolidated subsidiary, which are not being filed as exhibits to the Form S-4. None of such long-term debt exceeds 10% of the total assets of Croghan and its subsidiaries on a consolidated basis.