Item 9A. Controls and Procedures
Item
9A. Controls and Procedures.
Evaluation
of Disclosure Controls and Procedures
With
the participation of the Chief Executive Officer (the principal executive officer) and the Chief Financial Officer (the principal financial
officer) of the Company, the Company’s management has evaluated the effectiveness of the Company’s disclosure controls and
procedures (as defined in Rule 13a-15(e) under the Exchange Act) as of the end of the fiscal year covered by this Annual Report on Form
10-K. Based on that evaluation, the Company’s Chief Executive Officer and the Company’s Chief Financial Officer have concluded
that:
● Information
required to be disclosed by the Company in this Annual Report on Form 10-K and other reports
which the Company files or submits under the Exchange Act would be accumulated and communicated
to the Company’s management, including its principal executive officer and principal
financial officer, as appropriate to allow timely decisions regarding required disclosure;
● Information
required to be disclosed by the Company in the Annual Report on Form 10-K and other reports
which the Company files or submits under the Exchange Act would be recorded, processed, summarized
and reported within the time periods specified in the SEC’s rules and forms; and
● The
Company’s disclosure controls and procedures were effective as of the end of the fiscal
year covered by this Annual Report on Form 10-K.
Management’s
Report on Internal Control Over Financial Reporting
The
Management of the Company is responsible for establishing and maintaining adequate internal control over financial reporting as defined
in Rules 13a-15(f) and 15d-15(f) under the Exchange Act. The Company’s internal control over financial reporting is designed to
provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external
purposes in conformity with U.S. generally accepted accounting principles. The Company’s internal control over financial reporting
includes those policies and procedures that:
● Pertain
to the maintenance of records that, in reasonable detail, accurately and fairly reflect the
transactions and dispositions of the assets of the Company and its consolidated subsidiaries;
● Provide
reasonable assurance that transactions are recorded as necessary to permit preparation of
financial statements in conformity with U.S. generally accepted accounting principles, and
that receipts and expenditures of the Company and its consolidated subsidiaries are being
made only in accordance with authorizations of management and directors of the Company; and
● Provide
reasonable assurance regarding prevention of timely detection of unauthorized acquisition,
use or disposition of the assets of the Company and its consolidated subsidiaries that could
have a material effect on the financial statements.
49
With
the supervision and participation of our Chief Executive Officer and our Chief Financial Officer, management assessed the effectiveness
of the Company’s internal controls over financial reporting as of December, 31, 2022, based on the criteria established in Internal
Control – Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based
on our assessment and those criteria, management concluded that, as of December 31, 2022, the Company’s internal control over financial
reporting is effective.
This
Annual Report does not include an attestation report of the Company’s registered public accounting firm regarding internal
control over financial reporting. Management’s report was not subject to attestation by the Company’s registered public
accounting firm pursuant to rules of the Securities and Exchange Commission that permit the Company to provide only
management’s report in this Annual Report.
Changes
in Internal Controls Over Financial Reporting
There
were no changes in the Company’s internal control over financial reporting (as defined in Rule 13a- 15(f) under the Exchange Act)
that occurred during the Company’s fiscal quarter ended December 31, 2022, that have materially affected, or are reasonably likely
to materially affect, the Company’s internal control over financial reporting.
Item
9B. Other Information.
None.
Item
9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections.
Not
Applicable.
50
PART
III
Item
10. Directors, Executive Officers and Corporate Governance .
Directors
and Executive Officers
The
information required by Item 401 of SEC Regulation S-K concerning the directors of the Company and the nominees for election as directors
of the Company at the Annual Meeting of Shareholders to be held on April 19, 2023 (the “2023 Annual Meeting”), is incorporated
herein by reference from the disclosure included in the Company’s definitive Proxy Statement relating to the 2023 Annual Meeting
(the “2023 Proxy Statement”), under the caption “PROPOSAL NO. 1 – ELECTION OF DIRECTORS”. The information
concerning the executive officers of the Company required by Item 401 of SEC Regulation S-K is set forth in the portion of Part I of
this Annual Report on Form 10-K entitled “Supplemental Item: Information about our Executive Officers.”
Compliance
with Section 16(a) of the Exchange Act
The
information required by Item 405 of SEC Regulation S-K is incorporated herein by reference from the disclosure included in the Company’s
2023 Proxy Statement under the caption “SECTION 16(a) REPORTS.”
Committee
Charters and Code of Conduct and Ethics
The
Company’s Board of Directors has adopted charters for each of the Audit Committee, the Compensation Committee and the Governance
and Nominating Committee. Copies of these charters are available on the Company’s Internet website at www.YourSBFinancial.com by
first clicking “Corporate Governance” and then “Supplementary Info”. The Company has adopted a Code of Conduct
and Ethics that applies to the Company’s directors, officers and employees. A copy of the Code of Conduct and Ethics is available
on the Company’s Internet website at www.YourSBFinancial.com under the “Corporate Governance” tab. Interested persons
may also obtain copies of the Code of Conduct and Ethics, the Audit Committee charter, the Compensation Committee charter and the Governance
and Nominating Committee charter, without charge, by writing to SB Financial Group, Inc., Attn: Keeta J. Diller, 401 Clinton Street,
Defiance, OH 43512.
51
Audit
Committee
The
information required by Items 407(d)(4) and 407(d)(5) of SEC Regulation S-K is incorporated herein by reference from the disclosure included
under the caption “MEETINGS AND COMMITTEES OF THE BOARD – Audit & Risk Management Committee” in the Company’s
2023 Proxy Statement.
Nominating
Committee
The
procedures by which shareholders of the Company may recommend nominees to the Company’s Board of Directors are described under
the caption “CORPORATE GOVERNANCE – Nominations of Directors” in the Company’s 2023 Proxy Statement. The
procedures by which shareholders of the Company many recommend nominees to the Company’s Board of Directors have not materially
changed from those described in the Company’s definitive Proxy Statement for the 2022 Annual Meeting of Shareholders held on April
20, 2022.
Item
11. Executive Compensation .
The
executive compensation information required by this item is incorporated herein by reference to the information contained in the Company’s
2023 Proxy Statement under the captions “COMPENSATION OF EXECUTIVE OFFICERS”, “EQUITY INCENTIVE PLAN INFORMATION”,
“DIRECTOR COMPENSATION”, and “COMPENSATION COMMITTEE INTERLOCKS AND INSIDER PARTICIPATION”.
Item
12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters .
The
information required by Item 403 of SEC Regulation S-K is incorporated herein by reference from the disclosure included in the Company’s
2023 Proxy Statement under the caption “SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT”.
Equity
Compensation Plan Information
The
SB Financial Group, Inc. 2017 Stock Incentive Plan (the “2017 Plan”) was approved by the shareholders of the Company at the
2017 Annual Meeting of Shareholders.
The
following table shows, as of December 31, 2022, the number of common shares issuable upon exercise of outstanding stock options, the
weighted-average exercise price of those stock options, and the number of common shares remaining for future issuance under the Company’s
equity compensation plans (excluding common shares issuable upon exercise of outstanding stock options):
Equity compensation plans
approved by security holders
($ in thousands, except per share data)
2017 Plan
a) Number of securities to be issued upon exercise of outstanding options, warrants and rights-
-
b) Weighted-average exercise price of outstanding options, warrants and rights-$
$ -
c) Number of securities remaining available for future issuance under equity compensation
plans (excluding securities reflected in row a)
370,286
Item
13. Certain Relationships and Related Transactions, and Director Independence .
The
information required by Item 404 of SEC Regulation S-K is incorporated herein by reference from the disclosure contained in the Company’s
2023 Proxy Statement under the caption “TRANSACTIONS WITH RELATED PERSONS”.
The
information required by Item 407(a) of SEC Regulation S-K is incorporated herein by reference from the disclosure contained in the Company’s
2023 Proxy Statement under the caption “CORPORATE GOVERNANCE – Director Independence”.
Item
14. Principal Accountant Fees and Services.
The
information required to be disclosed in this Item 14 is incorporated herein by reference from the disclosure contained in the Company’s
2023 Proxy Statement under the caption “AUDIT & RISK MANAGEMENT COMMITTEE DISCLOSURE”.
52
PART
IV
Item
15. Exhibits and Financial Statement Schedules.
(a)(1) Financial
Statements
The
following consolidated financial statements are incorporated by reference from Item 8 hereof:
● Consolidated
Balance Sheets as of December 31, 2022 and 2021
● Consolidated
Statements of Income for the Years ended December 31, 2022 and 2021
● Consolidated
Statements of Comprehensive Income (Loss) for the Years ended December 31, 2022 and 2021
● Consolidated
Statements of Shareholders’ Equity for the Years ended December 31, 2022 and 2021
● Consolidated
Statements of Cash Flows for Years ended December 31, 2022 and 2021
● Notes
to Consolidated Financial Statements
● Report
of Independent Registered Public Accounting Firm (FORVIS, LLP)
(a)(2) Financial
Statement Schedules
All
schedules for which provision is made in the applicable accounting regulations of the Securities and Exchange Commission are not required
under the related instructions or are inapplicable and, therefore, have been omitted.
(a)(3) Exhibits
The
documents listed in the Index to Exhibits that immediately precedes the signature page of this Form 10-K are filed/furnished with this
Form 10-K as exhibits or incorporated into this Form 10-K by reference as noted. Each management contract or compensatory plan or arrangement
required to be filed as an exhibit to this Form 10-K is identified as such in the Index to Exhibits.
(b) Exhibits
The
documents listed in the Index to Exhibits that immediately precedes the signature page of this Form 10-K are filed/furnished with this
Form 10-K as exhibits or incorporated into this Form 10-K by reference as noted.
(c) Financial
Statement Schedules
None.
Item
16. Form 10-K Summary.
Not
Applicable.
53
Exhibits
Exhibit
No.
Description
Location
3.1
Amended
Articles of the Company
Incorporated
herein by reference to Exhibit 3.1 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2021
(File No. 31-36785).
3.2
Certificate of Amendment to the Amended Articles of the Company as filed with the Ohio Secretary of State on April 27, 1993
Incorporated
herein by reference to Exhibit 3.2 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2018
(File No. 31-36785).
3.3
Certificate
of Amendment to the Amended Articles of the Company as filed with the Ohio Secretary of State on April 30, 1997
Incorporated
herein by reference to Exhibit 3(c) to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 1997
(File No. 0-13507).
3.4
Certificate
of Amendment to the Amended Articles of the Company as filed with the Ohio Secretary of State on May 27, 2011
Incorporated
herein by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K filed June 1, 2011 (File No. 0-13507).
3.5
Certificate
of Amendment to the Amended Articles of the Company as filed with the Ohio Secretary of State on April 12, 2013
Incorporated
herein by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K filed April 18, 2013 (File No. 0-13507).
3.6
Certificate
of Amendment by Directors or Incorporators to Articles filed with the Secretary of State of the State of Ohio on November 6, 2014
Incorporated
herein by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K filed November 12, 2014 (File No. 0-13507).
3.7
Certificate
of Amendment to the Amended Articles of the Company as filed with the Ohio Secretary of State on January 25, 2022
Incorporated
herein by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K filed January 27, 2022 (File No. 0-13507).
3.8
Amended
Articles of the Company, as amended (reflecting amendments through January 25, 2022) [for SEC reporting compliance purposes only
– not filed with the Ohio Secretary of State]
Incorporated
herein by reference to Exhibit 3.8 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2021
(File No. 31-36785).
3.9
Amended
and Restated Regulations of the Company
Incorporated
herein by reference to Exhibit 3.5 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2005
(File No. 0-13507).
3.10
Certificate
Regarding Adoption of Amendment to Section 2.01 of the Amended and Restated Regulations of the Company by the Shareholders on April
16, 2009
Incorporate
herein by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K filed April 22, 2009 (File No. 0-13507).
4.1
Form
of 3.65% Fixed-to-Floating Rate Subordinated Note due 2031
Incorporated
herein by reference to Exhibit 4.1 to the Company’s Current Report on Form 8-K filed May 28, 2021 (File No. 0-13507).
54
Exhibit No.
Description
Location
4.2
Form of Subordinated Note Purchase Agreement by and between the Company and the several Purchasers
Incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed May 28, 2021 (File No. 0-13507).
4.3
Indenture, dated as of September 15, 2005, by and between the Company and Wilmington Trust Company, as Debenture Trustee, relating to Floating Rate Junior Subordinated Deferrable Interest Debentures
Incorporated herein by reference to Exhibit 4.1 to the Company’s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2005 (File No. 0-13507).
4.4
Amended and Restated Declaration of Trust of Rurban Statutory Trust II, dated as of September 15, 2005
Incorporated herein by reference to Exhibit 4.2 to the Company’s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2005 (File No. 0-13507).
4.5
Guarantee Agreement, dated as of September 15, 2005, by and between the Company and Wilmington Trust Company, as Guarantee Trustee
Incorporated herein by reference to Exhibit 4.3 to the Company’s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2005 (File No. 0-13507).
4.6
Agreement to furnish instruments and agreements defining rights of holders of long-term debt
Filed herewith.
4.7
Description of Common Shares of the Company
Incorporated herein by reference to Exhibit 4.7 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2021 (File No. 31-36785).
10.1*
The Company’s Plan to Allow Directors to Elect to Defer Compensation
Incorporated herein by reference to Exhibit 10(v) to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 1996 (File No. 0-13507).
10.2*
Employees’ Stock Ownership and Savings Plan of the Company
Incorporated herein by reference to Exhibit 10(y) to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 1999 (File No. 0-13507).
10.3*
Employee Stock Purchase Plan of the Company
Incorporated herein by reference to Exhibit 10(z) to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2002 (File No. 0-13507).
10.4*
Amended and Restated Employment Agreement, dated January 22, 2018, between the Company and Mark A. Klein
Incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed January 26, 2018 (File No. 01-36785).
10.5*
Amended and Restated Change of Control Agreement, dated January 22, 2018, between the Company and Mark A. Klein
Incorporated herein by reference to Exhibit 10.2(a) to the Company’s Current Report on Form 8-K filed January 26, 2018 (File No. 01-36785).
55
Exhibit No.
Description
Location
10.6*
Amended and Restated Change of Control Agreement, dated January 22, 2018, between the Company and Anthony V. Cosentino
Incorporated herein by reference to Exhibit 10.2(b) to the Company’s Current Report on Form 8-K filed January 26, 2018 (File No. 01-36785).
10.7*
Amended and Restated Change of Control Agreement, dated January 22, 2018, between the Company and David A. Homoelle
Incorporated herein by reference to Exhibit 10.7 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2021 (File No. 31-36785).
10.8*
Amended Supplemental Executive Retirement Plan Agreement, dated as of January 22, 2018 by and between the Company and Mark A. Klein
Incorporated by reference to Exhibit 10.3(a) to the Company’s Current Report on Form 8-K filed January 26, 2018 (File No 01-36785).
10.9*
Amended Supplemental Executive Retirement Plan Agreement, dated as of January 22, 2018 by and between the Company and Anthony V. Cosentino
Incorporated by reference to Exhibit 10.3(b) to the Company’s Current Report on Form 8-K filed January 26, 2018 (File No 01-36785).
10.10*
Supplemental Executive Retirement Plan Agreement, dated as of January 22, 2018 by and between the Company and David A. Homoelle
Incorporated herein by reference to Exhibit 10.10 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2021 (File No. 31-36785).
10.11*
2017 Split Dollar Agreement and Endorsement, dated as of January 22, 2018, between and The State Bank and Trust Company and Mark A. Klein
Incorporated by reference to Exhibit 10.4(a) to the Company’s Current Report on Form 8-K filed January 26, 2018 (File No 01-36785).
10.12*
2017 Split Dollar Agreement and Endorsement, dated as of January 22, 2018, between and The State Bank and Trust Company and Anthony V. Cosentino
Incorporated by reference to Exhibit 10.4(b) to the Company’s Current Report on Form 8-K filed January 26, 2018 (File No 01-36785).
10.13*
2017 Split Dollar Agreement and Endorsement, dated as of January 22, 2018, between and The State Bank and Trust Company and David A. Homoelle
Incorporated herein by reference to Exhibit 10.13 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2021 (File No. 31-36785).
10.14*
Non-Qualified Deferred Compensation Plan of the Company effective as of January 1, 2007
Incorporated herein by reference to Exhibit 10.20 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2006 (File No. 0-13507).
10.15*
Long-Term Incentive Compensation Plan for the Company and Affiliates
Incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed August 20, 2012 (File No. 0-13507).
10.16*
SB Financial Group 2017 Stock Incentive Plan
Incorporated herein by reference to Exhibit 10.16 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2021 (File No. 31-36785).
56
Exhibit
No.
Description
Location
10.17*
Form of Restricted Stock Award Agreement (For Employees) under the Company’s 2017 Stock Incentive Plan
Filed
herewith.
11
Statement
Regarding Computation of Per Share Earnings
Included
in Note 2 of the Notes to Consolidated Financial Statements of Registrant filed herewith as Exhibit 13.
13
2022
Annual Report of Registrant (not deemed filed except for portions thereof which are specifically incorporated by reference in this
Annual Report on Form 10-K)
Specified
portions filed herewith.
21
Subsidiaries of Registrant
Filed
herewith.
23
Consent of FORVIS, LLP
Filed
herewith.
24
Power of Attorney of Directors and Executive Officers
Included
on signature page of this Annual Report on Form 10-K.
31.1
Rule 13a-14(a)/15d-14(a) Certification – Principal Executive Officer
Filed
herewith.
31.2
Rule 13a-14(a)/15d-14(a) Certification – Principal Financial Officer
Filed
herewith.
32.1
Section 1350 Certification – Principal Executive Officer and Principal Financial Officer
Filed
herewith.
101
The
following materials from SB Financial Group Inc.’s 2022 Annual Report and incorporated therefrom in SB Financial Group,
Inc.’s Annual Report on Form 10-K for the fiscal year ended December 31, 2022, formatted in Inline XBRL (extensible business
reporting language) pursuant to Rule 405 of Regulation S-T: (i) the Consolidated Balance Sheets as of December 31, 2022 and 2021;
(ii) the Consolidated Statements of Income for the years ended December 31, 2022 and 2021; (iii) the Consolidated Statements of
Comprehensive Income for the years ended December 31, 2022 and 2021; (iv) the Consolidated Statements of Changes in
Shareholders’ Equity for the years ended December 31, 2022 and 2021; (v) the Consolidated Statements of Cash Flows for the
years ended December 31, 2022 and 2021; and (vi) the Notes to Consolidated Financial Statements (electronically submitted
herewith).
104
Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101)
* Management
contract or compensatory plan or arrangement.
57
SIGNATURES
Pursuant
to the requirements of Section 13 or 15(d) 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.
SB FINANCIAL GROUP, INC.
By:
/s/ Anthony V. Cosentino
Date: March 7, 2023
Anthony V. Cosentino, Executive Vice President and Chief Financial Officer
Power
of Attorney
KNOW
ALL MEN BY THESE PRESENTS, that each undersigned officer and/or director of SB Financial Group, Inc., an Ohio corporation (the “Company”),
which is about to file with the Securities and Exchange Commission, Washington, D.C., under the provisions of the Securities Exchange
Act of 1934, as amended, the Annual Report of the Company on Form 10-K for the fiscal year ended December 31, 2022, hereby constitutes
and appoints Mark A. Klein and Anthony V. Cosentino, and each of them, as his true and lawful attorneys-in-fact and agents, with full
power of substitution and re-substitution, for him and in his name, place and stead, in any and all capacities, to sign both the Annual
Report on Form 10-K and any and all amendments and documents related thereto, and to file the same, and any and all exhibits, financial
statements and schedules related thereto, and other documents in connection therewith, with the Securities and Exchange Commission and
the NASDAQ Stock Market, granting unto said attorneys-in-fact and agents, and substitute or substitutes, full power and authority to
do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and
purposes as he might or could do in person, hereby ratifying and confirming all things that each of said attorneys-in-fact and agents,
or either of them or his or their substitute or substitutes, may lawfully do or cause to be done by virtue hereof.
Pursuant
to the requirements of the Securities Exchange Act of 1934, this Report has been signed below by the following persons on behalf of the
Registrant and in the capacities and on the dates indicated.
Name
Date
Capacity
/s/ Mark A. Klein
March 7, 2023
Chairman, President and Chief
Mark A. Klein
Executive Officer
/s/ Anthony V. Cosentino
March 7, 2023
Executive Vice President and Chief
Anthony V. Cosentino
Financial Officer
/s/ George W. Carter
March 7, 2023
Director
George W. Carter
/s/ Gaylyn J. Finn
March 7, 2023
Director
Gaylyn J. Finn
/s/Richard L. Hardgrove
March 7, 2023
Director
Richard L. Hardgrove
/s/Tom R. Helberg
March 7, 2023
Director
Tom R. Helberg
/s/ Rita A. Kissner
March 7, 2023
Director
Rita A. Kissner
/s/ Mark A. Klein
March 7, 2023
Director
Mark A. Klein
/s/ William G. Martin
March 7, 2023
Director
William G. Martin
/s/ Timothy J. Stolly
March 7, 2023
Director
Timothy J. Stolly
/s/ Timothy L. Claxton
March 7, 2023
Director
Timothy L. Claxton
Date: March 7, 2023
58
Officers
List
MICHAEL
R. DULLE
MARK
D. CASSIN
SB
Financial Group, Inc.
Vice
President Corporate Training and Development
Senior
Vice President
Bowling
Green & Toledo Market Executive
Coordinator
MARK
A. KLEIN
ANDREW
S. FARLEY
Chairman,
President and
RONDA
M. HERKO
Senior
Vice President
Chief
Executive Officer
Vice
President
Lima
Market Executive
Interim
HR Manager
ANTHONY
V. COSENTINO
STEFAN
R. HARTMAN
Executive
Vice President
RONALD
E. SPANGLER
Senior
Vice President
Chief
Financial Officer
Vice
President
Fort
Wayne Market Executive
Loan
Review Officer
KEETA
J. DILLER
DALE
E. LOUDEN
Executive
Vice President
MELISSA
A. TACKETT
Senior
Vice President
Corporate
Secretary
Vice
President
Market
Executive, Indianapolis
The
State Bank and Trust Company
Compliance
Management Specialist
TYSON
R. MOSS
BLAKE
A. WILLIAMS
Senior
Vice President
Administration
Vice
President
Fulton/Williams
County
Corporate
Sales Champion
Market
Executive
MARK
A. KLEIN
Chairman,
President and
MARC
H. BEACH
CHRISTOPHER
A. WEBB
Chief
Executive Officer
Assistant
Vice President
Senior
Vice President
Facility/Property
Coordinator
Findlay
Market Executive
ANTHONY
V. COSENTINO
Executive
Vice President
THERESA
M. GINEMAN
Commercial
Banking
Chief
Financial Officer
Assistant
Vice President
Loan
Review Officer
TIMOTHY
P. MOSER
KEETA
J. DILLER
Senior
Vice President
Executive
Vice President
SEAN
M. GORMAN
Ag
Lending Manager
Chief
Risk Officer
Assistant
Vice President
Asset
Liability Manager
ROLLAND
C. (COREY) DEMING
ERNESTO
GAYTAN
Vice
President
Executive
Vice President
DAWN
M. HUTCHESON
Commercial
Services Officer III
Chief
Technology Innovation Officer
Assistant
Vice President
Accountant
III
ROBERT
D. EGGLETON
STEVEN
A. WALZ
Vice
President
Executive
Vice President
CATHERINE
E. PERRY
Commercial
Services Officer III
Chief
Lending Officer
Assistant
Vice President
Quality
Control Manager
PAUL
C. ERWIN
CAROL
M. ROBBINS
Vice
President
Senior
Vice President
CODI
L. KING
Commercial
Services Officer III
Controller
Officer,
BSA Officer
ANDREW
J. KIESS
JENNIFER
A. SWIECH
SARAH
S. MEKUS
Vice
President
Senior
Vice President
Officer,
Executive Assistant
Commercial
Services Officer I
Director
of Legal, CRA & Fair Lending
Corporate
Secretary
SHAUN
N. MACK
ABAGALE
M. WATERS
Regional
Executives
Vice
President
Senior
Vice President
Commercial
Services Officer I
Director
of Human Resources
DAVID
A. HOMOELLE
Columbus
Regional President
NICHOLE
T. WICHMAN
Senior
Vice President
Chief
Marketing Officer
59
Credit
Administration
Mortgage
Lending
ROBERT
W. WARNER
Vice
President
MICHAEL
D. EBBESKOTTE
RICHARD
A. SMITH
Outside
Mortgage Sales Loan Originator
Senior
Vice President
Senior
Vice President
Credit
Administration Manager
Residential
Real Estate Sales
RHONDA
S. CLARK
Manager
- Indianapolis Region
Assistant
Vice President
AMY
M. HOFFMAN
Outside
Mortgage Sales Loan Originator
Senior
Vice President
STEVEN
J. WATSON
Chief
Credit Officer
Senior
Vice President
ADRIANNE
M. FLEEMAN
Residential
Real Estate Sales
Assistant
Vice President
ERICA
R. BARE
Manager
- Columbus Region
Senior
RRE Underwriter
Vice
President
Senior
Credit Analyst
DENISE
S. DAVENPORT
GORDON
L. KAYLOR
Vice
President
Assistant
Vice President
ANDREW
M. RICKENBERG
Outside
Mortgage Sales Loan Originator
Outside
Mortgage Sales Loan Originator
Vice
President
Community
Development Officer
Collections
and Resource Recovery
KIMBERLY
W. DONOVAN
Administrator
Vice
President
RYAN
G. SIBLEY
Senior
RRE Underwriting
Assistant
Vice President
Information
Technology and
Outside
Mortgage Sales Loan Originator
Operations
SUSAN
A. ERHART
TAMARA
D. TRENKAMP
MELINDA
L. CLINE
Vice
President
Assistant
Vice President
Senior
Vice President
Senior
RRE Underwriter
Community
Development Mortgage
Director
of Lending Operations
Loan
Originator
JOYCE
A. FERGUSON
KRISTEN
K. NUSBAUM
Vice
President
ZACHARY
M. WILLIAMS
Senior
Vice President
Outside
Mortgage Sales Loan Originator
Assistant
Vice President
Director
of Deposit Operations
Outside
Mortgage Sales Loan Originator
ANDREW
C. PATTON
ANN
M. FISHPAW
Vice
President
JACQUELON
C. WILSON
Assistant
Vice President
Residential
Construction Manager
Assistant
Vice President
Depoist
Services Specialist, Lead
Community
Development Mortgage
JARED
M. PEREZ
Loan
Originator
TADD
J. BROOKET
Vice
President
Senior
Vice President
Outside
Mortgage Sales Loan Originator
Director
of IT Infrastructure
SUZANNE
M. REICHARD
GARY
A. SAXMAN
Vice
President
Vice
President
Outside
Mortgage Sales Loan Originator
Data
Processing Engineer
ANDREW
B. SISSON
STEVEN
E. STRUBLE
Vice
President
Vice
President
Regional
Mortgage Operations Manager
IT
Leader, Fiserv Platform
BRIAN
E. SMITH
JEFF
A. EITZMAN
Vice
President
Assistant
Vice President
Encompass
Administrator
Systems
Administrator- Operations
MARK
D. SPANGLER
AMANDA
D. VOGELSONG
Vice
President
Assistant
Vice President
Director
of Mortgage Administration
Process
Engineer - Deposits
KAREN
A. VARNER
SUSAN
A. LONG
Vice
President
Officer
Outside
Mortgage Sales Loan Originator
Quality
Control Analyst - Deposits
60
Private
Banking
SBA/
Small Business Lending
KELLY
W. CLEVELAND
Senior
Vice President
MICHELE
G. COOPER
BRANDON
S. GERKEN
Chief
Investment Officer
Senior
Vice President
Senior
Vice President
PCG
Private Banker
SBA/Small
Business
KATIE
N. CLEMENTZ
Lending
Manager
Assistant
Vice President
RACHEL
R. COPELAND
Trust
Operations Services Manager
Vice
President
KYLE
A. FRISCH
PCG
Private Banker
Assistant
Vice President
CORINA
KEMPE
Small
Business Lender
Assistant
Vice President
KASEY
A. SCHWARTZ
WM
Advisor/Director of
Vice
President
MAUREEN
G. KILLION
Brokerage
Services
Director
of Private Banking
Officer
Small
Business Lender
MARK
G. FROELICH
SUSAN
F. WEST
Officer
Vice
President
Treasury
Management
Wealth
Management Advisor
PCG
Private Banker
SEAN
L. LAFONTAINE
SBFG
Title, LLC
JASON
S. MAY
Vice
President
Assistant
Vice President
Director
of Treasury Management
DAWN
E. VAN HORN
PCG
Private Banker
Senior
Vice President
CLINTON
B. BEASLEY
Retail
Banking
Vice
President
LORI
L. LAPE
Treasury
Management Officer
Assistant
Vice President
NANCY
E. RANKIN
Licensed
Title Manager
Vice
President
BROOKE
C. FRAZEE
Head
of Retail Banking
Assistant
Vice President
Treasury
Management Officer
ANDREA
P. JELLISON
Assistant
Vice President
Wealth
Management
Community
Sales & Lending Manager
CHRISTOPHER
P. JAKYMA
JAMES
R. STATES
Executive
Vice President
Assistant
Vice President
Chief
Wealth Management Officer
Banking
Center Sales Manager
DAVID
A. BELL
Executive
Vice President
Retirement
Services Manager
DAVID
A. ANDERSON
Senior
Vice President
Business
Development Officer
61