UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of

The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): September 27, 2013

DCB FINANCIAL CORP

(Exact name of registrant as specified in its charter)

110 Riverbend Avenue, Lewis Center, Ohio 43035

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: (740) 657-7000

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

The Delaware County Bank & Trust Company (Bank), the wholly-owned banking subsidiary of DCB Financial Corp, announced that the Federal Deposit Insurance Corporation (FDIC) terminated its Consent Order with the Bank that was issued on October 27, 2010. Concurrently, the Ohio Division of Financial Institutions (ODFI) terminated its Written Agreement with the Bank that was issued on the same date. The Bank received notice of the ODFI’s termination of the Written Agreement on September 27, 2013 and notice of the FDIC’s termination on October 2, 2013.

The following exhibits are furnished herewith:

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.