We bring the benefits of a community owned and locally managed bank to businesses and residents of North Central Iowa. As an independent bank focused on our immediate market area, we offer customers more commitment, stability and personal care. All bank actions and decisions are guided by the belief that our most valuable asset is our relationship with our customers. We build relationships by providing highly responsive service and the extra attention our customers deserve. As long-term residents of North Central Iowa, we have deep roots in this community. Our belief in the importance of community involvement shows our commitment to staying focused on the place we call home - North Central Iowa. John W. Geelan Chairman Sean Noonan President/CEO