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 this 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.
48
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, 2023, 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, 2023, 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 SEC that permit
the Company to provide only management’s report in this Annual Report on Form 10-K.
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, 2023, that have materially affected, or are reasonably likely to materially affect, the Company’s internal
control over financial reporting.
Item 9B. Other Information.
(a) None.
(b) During the quarter ended December 31, 2023, no director or
16 officer (as defined under Rule 16a-1 of the Exchange Act) adopted or terminated any Rule 10b5-1 trading arrangements
or any non-Rule 10b5-1 trading arrangements (in each case, as defined in Item 408(a) of Regulation S-K).
Item 9C. Disclosure Regarding Foreign Jurisdictions
that Prevent Inspections.
Not Applicable.
49
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, 2024 (the “2024 Annual Meeting”), is incorporated herein by reference from the disclosure included
in the Company’s definitive Proxy Statement relating to the 2024 Annual Meeting (the “2024 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 2024 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 and Risk Management 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
Overview” and then “Governance Documents”. 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 by first clicking “Corporate Overview” and then “Governance Documents”. Interested
persons may also obtain copies of the Code of Conduct and Ethics, the Audit and Risk Management 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.
Audit and Risk Management 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 2024 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 2024 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 2023 Annual Meeting of Shareholders held on April 20, 2023.
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 2024 Proxy Statement under the captions
“COMPENSATION OF EXECUTIVE OFFICERS”, “EQUITY INCENTIVE PLAN INFORMATION”, “DIRECTOR COMPENSATION”,
and “COMPENSATION COMMITTEE INTERLOCKS AND INSIDER PARTICIPATION”.
50
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 2024 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,
2023, 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)
343,179
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 2024 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 2024 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 2024 Proxy Statement under the caption
“AUDIT & RISK MANAGEMENT COMMITTEE DISCLOSURE”.
51
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, 2023 and 2022
● Consolidated
Statements of Income for the Years ended December 31, 2023 and 2022
● Consolidated
Statements of Comprehensive Income (Loss) for the Years ended December 31, 2023 and 2022
● Consolidated
Statements of Shareholders’ Equity for the Years ended December 31, 2023 and 2022
● Consolidated
Statements of Cash Flows for Years ended December 31, 2023 and 2022
● 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 SEC 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.
52
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, 2022 (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, 2022 (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).
53
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).
54
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).
55
Exhibit No.
Description
Location
10.17*
Form of Restricted Stock Award Agreement (For Employees) under the Company’s 2017 Stock Incentive Plan
Filed herewith.
13
2023 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.
97
Clawback Policy
Filed herewith.
101
The following materials from SB Financial Group Inc.’s 2023 Annual Report and incorporated therefrom in SB Financial Group, Inc.’s Annual Report on Form 10-K for the fiscal year ended December 31, 2023, formatted in XBRL (extensible business reporting language) pursuant to Rule 405 of Regulation S-T: (i) the Consolidated Balance Sheets as of December 31, 2023 and 2022; (ii) the Consolidated Statements of Income for the years ended December 31, 2023 and 2022; (iii) the Consolidated Statements of Comprehensive Income for the years ended December 31, 2023 and 2022; (iv) the Consolidated Statements of Changes in Shareholders’ Equity for the years ended December 31, 2023 and 2022; (v) the Consolidated Statements of Cash Flows for the years ended December 31, 2023 and 2022; 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.
56
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 8, 2024
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, 2023, 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 8, 2024
Chairman, President and Chief Executive Officer
Mark A. Klein
/s/ Anthony V. Cosentino
March 8, 2024
Executive Vice President and Chief Financial Officer
Anthony V. Cosentino
/s/ George W. Carter
March 8, 2024
Director
George W. Carter
/s/ Gaylyn J. Finn
March 8, 2024
Director
Gaylyn J. Finn
/s/ Richard
L. Hardgrove
March 8, 2024
Director
Richard L. Hardgrove
/s/ Tom R.
Helberg
March 8, 2024
Director
Tom R. Helberg
/s/ Rita A. Kissner
March 8, 2024
Director
Rita A. Kissner
/s/ Mark A. Klein
March 8, 2024
Director
Mark A. Klein
/s/ William G. Martin
March 8, 2024
Director
William G. Martin
/s/ Timothy J. Stolly
March 8, 2024
Director
Timothy J. Stolly
/s/ Timothy L. Claxton
March 8, 2024
Director
Timothy L. Claxton
Date: March 8, 2024
57
Officers
List
SB
Financial Group, Inc.
NICHOLE
T. WICHMAN
STEFAN
R. HARTMAN
Senior
Vice President
Senior
Vice President
MARK
A. KLEIN
Chief
Marketing Officer
Fort
Wayne Market Executive
Chairman,
President and
Chief
Executive Officer
MICHAEL
R. DULLE
TYSON
R. MOSS
Vice
President
Senior
Vice President
ANTHONY
V. COSENTINO
Corporate
HR Strategic Manager
Fulton/Williams
County
Executive
Vice President
Market
Executive
Chief
Financial Officer
RONDA
M. HERKO
Vice
President
CHRISTOPHER
A. WEBB
KEETA
J. DILLER
Human
Resources Manager
Senior
Vice President
Executive
Vice President
Findlay
Market Executive
Corporate
Secretary
RONALD
E. SPANGLER
Vice
President
Commercial
Banking
The
State Bank and Trust Company
Loan
Review Officer
PAUL
C. ERWIN
Administration
BLAKE
A. WILLIAMS
Senior
Vice President
Vice
President
Commercial
Services Officer III
MARK
A. KLEIN
Corporate
Sales Champion
Chairman,
President and
TIMOTHY
P. MOSER
Chief
Executive Officer
THERESA
M. GINEMAN
Senior
Vice President
Assistant
Vice President
Ag
Lending Manager
ANTHONY
V. COSENTINO
Loan
Review Officer
Executive
Vice President
ROLLAND
C. (COREY) DEMING
Chief
Financial Officer
SEAN
M. GORMAN
Vice
President
Assistant
Vice President
Commercial
Services Officer III
KEETA
J. DILLER
Asset
Liability Manager
Executive
Vice President
ROBERT
D. EGGLETON
Chief
Operations Officer
DAWN
M. HUTCHESON
Vice
President
Assistant
Vice President
Commercial
Services Officer III
ERNESTO
GAYTAN
Accountant
III
Executive
Vice President
ANDREW
J. KIESS
Chief
Technology Innovation Officer
CODI
L. KING
Vice
President
Assistant
Vice President
Commercial
Services Officer I
STEVEN
A. WALZ
Risk
Management Specialist, BSA Officer
Executive
Vice President
SHAUN
N. MACK
Chief
Lending Officer
CATHERINE
E. PERRY
Vice
President
Assistant
Vice President
Commercial
Services Officer I
CAROL
M. ROBBINS
Quality
Control Manager
Senior
Vice President
STEPHANIE
L. PARIS
Controller
SARAH
S. MEKUS
Vice
President
Officer,
Executive Assistant
Commercial
Services Officer I
DAVID
A. HOMOELLE
Corporate
Secretary
Senior
Vice President
JACOB
M. SCHUMM
Residential
Real Estate Executive
Regional
Executives
Vice
President
Commercial
Services Officer III
JENNIFER
A. SWIECH
MARK
D. CASSIN
Senior
Vice President
Senior
Vice President
Chief
Risk Officer, Director of Legal
Bowling
Green & Toledo Market Executive
ABAGALE
M. WATERS
ANDREW
S. FARLEY
Senior
Vice President
Senior
Vice President
Director
of Human Resources
Lima
Market Executive
58
Credit
Administration
AMANDA
D. VOGELSONG
ROBERT
W. WARNER
Assistant
Vice President
Vice
President
MICHAEL
D. EBBESKOTTE
Process
Engineer - Deposits
Outside
Mortgage Sales Loan Originator
Senior
Vice President
Credit
Administration Manager
SUSAN
A. LONG
JACQUELON
C. WILSON
Officer
Vice
President
AMY
M. HOFFMAN
Quality
Control Analyst - Deposits
Community
Development Mortgage
Senior
Vice President
Loan
Originator
Chief
Credit Officer
Mortgage
Lending
RHONDA
S. CLARK
ERICA
R. BARE
RICHARD
A. SMITH
Assistant
Vice President
Vice
President
Senior
Vice President
Outside
Mortgage Sales Loan Originator
Senior
Credit Analyst
Residential
Real Estate Sales
Manager
- Indianapolis Region
PARKER
H. EVANS
ANDREW
M. RICKENBERG
Assistant
Vice President
Vice
President
STEVEN
J. WATSON
Secondary
Market Manager
Collections
and Resource Recovery
Senior
Vice President
Administrator
Residential
Real Estate Sales
ADRIANNE
M. FLEEMAN
Manager
- Columbus, Defiance, Findlay
Assistant
Vice President
RONALD
J. SWISHER
Senior
RRE Underwriter
Officer
DENISE
S. DAVENPORT
Commercial
Credit Analyst
Vice
President
RYAN
G. SIBLEY
Outside
Mortgage Sales Loan Originator
Assistant
Vice President
Information
Technology and
Outside
Mortgage Sales Loan Originator
Operations
KIMBERLY
W. DONOVAN
Vice
President
TAMARA
D. TRENKAMP
MELINDA
L. CLINE
Senior
RRE Underwriter
Assistant
Vice President
Senior
Vice President
Community
Development Mortgage
Director
of Lending Operations
SUSAN
A. ERHART
Loan
Originator
Vice
President
KATIE
S. CLEMENS
Senior
RRE Underwriter
ZACHARY
M. WILLIAMS
Assistant
Vice President
Assistant
Vice President
Deposit
Operations Manager
JOYCE
A. FERGUSON
Community
Development Officer
Vice
President
Outside
Mortgage Sales Loan Originator
ANN
M. FISHPAW
Outside
Mortgage Sales Loan Originator
Assistant
Vice President
Deposit
Services Supervisor
ANDREW
C. PATTON
Vice
President
TADD
J. BROOKET
Residential
Construction Manager
Senior
Vice President
Director
of IT Infrastructure
JARED
M. PEREZ
Vice
President
JEREMY
M. DOTSON
Outside
Mortgage Sales Loan Originator
Vice
President
Cybersecurity
& IT Governance Leader
SUZANNE
M. REICHARD
Vice
President
GARY
A. SAXMAN
Outside
Mortgage Sales Loan Originator
Vice
President
Data
Processing Engineer
BRIAN
E. SMITH
Vice
President
STEVEN
E. STRUBLE
Encompass
Administrator
Vice
President
IT
Leader, Fiserv Platform
KAREN
A. VARNER
Vice
President
JEFF
A. EITZMAN
Outside
Mortgage Sales Loan Originator
Assistant
Vice President
Systems
Administrator- Operations
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Private
Banking
SBA/
Small Business Lending
KATIE
N. CLEMENTZ
Vice
President
RACHEL
R. COPELAND
BRANDON
S. GERKEN
Trust
Operations Services Manager
Vice
President
Senior
Vice President
PCG
Private Banker
SBA/Small
Business
MARK
G. FROELICH
Lending
Manager
Vice
President
KASEY
A. SCHWARTZ
Wealth
Management Advisor
Vice
President
KYLE
A. FRISCH
Director
of Private Banking
Assistant
Vice President
CORINA
KEMPE
Small
Business Lender
Vice
President
SUSAN
F. WEST
WM
Advisor/Director of Brokerage Services
Vice
President
Treasury
Management
PCG
Private Banker
MAUREEN
G. KILLION
CLINTON
B. BEASLEY
Officer
BRIANNE
M. FROBOSE
Vice
President
Operations
Manager, Brokerage
Assistant
Vice President
Treasury
Management Officer
PCG
Private Banker
SBFG
Title, LLC
SEAN
L. LAFONTAINE
JASON
S. MAY
Vice
President
DAWN
E. VAN HORN
Assistant
Vice President
Director
of Treasury Management
Senior
Vice President
PCG
Private Banker
Regional
Licensed Title Manager
BROOKE
C. FRAZEE
Retail
Banking
Assistant
Vice President
LORI
L. LAPE
Treasury
Management Officer
Assistant
Vice President
NANCY
E. RANKIN
Licensed
Title Manager
Vice
President
Wealth
Management
Head
of Retail Banking
DAVID
A. BELL
JESSICA
D. BABCOCK
Executive
Vice President
Assistant
Vice President
Retirement
Services Manager
Banking
Center Sales Manager II
KELLY
W. CLEVELAND
ANDREA
P. JELLISON
Senior
Vice President
Assistant
Vice President
Chief
Investment Officer
Community
Sales & Lending Manager
JENNIFER
L. MASON
JAMES
R. STATES
Senior
Vice President
Assistant
Vice President
Chief
Walth Management Officer
Banking
Center Sales Manager
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