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Letter from the President

2015 was another good year for our organization: the Bank, Trust Department, Valley Agencies, and partner Hanzlik Financial all saw strong growth in clients served, assets managed, and financial solutions provided to our clients. We remain committed to serving you as an independent, community owned bank that has served the area for over 100 years. Please review our 12/31/15 Statement of Condition, and I encourage you to visit for our complete 2015 financial results.

We continue our goal to provide our clients with both the personal touch of our experienced staff, and the technology available for you to bank with us 24 hours a day, 7 days a week. We are excited to announce the roll out of our new website,, launching in the spring of 2016 which will provide you with more functionality for mobile banking and service.

Valley Agencies, our property casualty insurance agency, also had a terrific 2015 as they acquired the local Northern Insurance Agency and began serving those clients. Please contact them for a homeowners or auto insurance quote when you get your next insurance renewal. As an independent agency, they represent many fine companies and can provide you with competitive insurance products with a high level of personal service.

Our Trust Department continues to grow and serve many families' financial needs in retirement planning, estates, trusts, financial management, etc. We are proud to be one of the largest community bank trust departments in the upper Midwest. The staff has expanded with the department's rapid growth to assure that our clients get the one-on-one service they expect.

Thank you for the confidence you place in us by making us your financial partner. We look forward to serving you and appreciate your business.




Peter J. Clements
NMLS #783249