Karen Aduddell, State Savings Bank, Bedford

Karen Aduddell began her banking career as a high school senior at Steele State Bank in Cherokee, Iowa, in 1972, and retired from the very same institution—having grown through a series of roles including Cherokee Branch Manager, Compliance Officer, Trust Officer, and ultimately, member of the Board of Directors. Over her distinguished career, Karen witnessed and adapted to major changes including two ownership and name transitions. Her notable accomplishments include her work as a loan processor, championing regulatory compliance through policy development and monitoring, introducing on-line compliance training for staff, and pioneering the creation and management of trust account portfolios using Excel.

Karen’s commitment to excellence in banking has always been paralleled by her dedication to community service. During her career, she contributed as a Girl Scout leader, Little League coach, and served as Treasurer for the Athletic Booster Club for eight years. Her long-term involvement with the National TTT Society spanning over two decades underscores her commitment to professional development. Currently, she serves as a board member for the Cherokee Library Foundation, participates in Grace Circle at her church, and supports its audit committee.

Married to her husband Kim for nearly 52 years, Karen enjoys a fulfilling family life with her daughter Haley, son-in-law Robert, and two grandsons, as well as her son Luke, daughter-in-law Megan, and grandson Duke. Since retiring four years ago, she cherishes time with family, traveling, gardening, golfing, and savoring coffee with friends. For Karen, banking was not just a career—it was a pathway to lifelong learning, leadership, and service.

William (Bill) C. Benz, Iowa Trust and Saving Bank, Centerville

William (Bill) C. Benz began his distinguished career with Iowa Trust and Savings Bank in 1967, dedicating much of his professional life to supporting lending customers and contributing meaningfully to the bank’s growth and mission. He retired as Senior Vice President in December 2005 but continued to serve the institution with distinction as a member of the Board of Directors until 2020.

During his tenure at Iowa Trust, Bill played a pivotal role in advancing community economic development—efforts that proved vital to both the bank’s success and the economic health of the region. He was instrumental in founding both the Appanoose Industrial Corporation and the Appanoose Economic Development Corporation, two key initiatives focused on job creation and industrial financing. His leadership in these organizations, including his service as President of the Appanoose Economic Development Corporation, directly contributed to the 1985 recruitment of Wells Manufacturing and Rubbermaid to the community, resulting in nearly 600 new jobs in Appanoose County.

Bill’s impact extended well beyond the banking and business sectors. He was deeply engaged in civic life, serving on numerous boards, including the Appanoose Economic Development Corporation, Appanoose Industrial Corporation, the Fair Board, and the Chamber Board. One of his lasting contributions was helping the Fair Board acquire ownership of the fairgrounds, ensuring long-term sustainability of this important community resource. Bill was married to Mary Benz for 62 years until her passing in November 2023. Together, they raised two children, Susan (Tom) Schaeuble and Steve (Jennifer) Benz, and were blessed with five grandsons. Bill continues to enjoy life on the family farm, where he tends to cattle, mows hay and participates in various agricultural activities.

Judy Brockett, City State Bank, Norwalk

Judy Brockett began her career at City State Bank in 1975 and has proudly served the institution for 50 years. Throughout her tenure, Judy has been a cornerstone of the bank’s operations, providing exceptional support and playing a key role in the department’s growth and evolution. Known for her incredible work ethic, Judy consistently arrives early, maintains excellent attendance, and is always ready to lend a hand—no matter the task. Her dedication and reliability have made her an invaluable member of the City State Bank team.

Dwight Conover, Northwest Financial, Arnolds Park

Dwight Conover grew up in Holstein, Iowa, and graduated from Holstein Community Schools in 1970. He went on to earn his B.S. from Iowa State University in 1974, launching a career that would leave a lasting impact on Iowa’s financial landscape.

Dwight began his banking career with Brenton Banks, entering the industry during a time of national economic hardship. Determined to grow despite the challenges of a deep recession, particularly in agriculture and banking, he pursued advanced education, earning an M.B.A. from Drake University in 1980 and a graduate degree from the Kellogg School of Management at Northwestern University in 1983. He also completed five graduate-level programs in banking, agriculture/commercial lending, real estate, investment securities, and insurance, underscoring his commitment to continued professional development.

In 1984, Dwight purchased the troubled First National Bank of Creston, then operating under a Cease-and-Desist order. Recognizing the opportunity for transformation, he invited his brother, Neal Conover, to join him in 1985. Together, they assembled the now-legendary “Dream Team,” leading the bank through a dramatic and successful turnaround that established the institution as a trusted community financial partner. Under Dwight’s leadership, the bank grew into a thriving organization employing over 400 people—while staying grounded in its mission to serve Iowa families.

Dwight’s contributions reach well beyond the banking sector. During the agricultural crisis, he helped save countless family farms and businesses, earning an appointment from Governor Terry Branstad as a charter board member of the State of Iowa Mediation Board. He served as Chairman of the Iowa Bankers Association (2002–2003), contributed to its Board for six years, and worked on the IBA Bank Benefit Plan for four years. Alongside his brother, he presented at the ABA Ag Conference and testified in Des Moines and Washington, D.C., on key matters of agriculture and banking.

Together with his wife, Marilyn, Dwight established a family foundation dedicated to strengthening the communities served by their bank. In 2020 alone, their foundation provided mid-six-figure gifts to local causes, embodying his philosophy of “leaving it better than we found it.” His leadership also includes service on hospital and school committees, foundation boards, and numerous civic initiatives.

Dwight and Marilyn are the proud parents of Abby and Philip, and their family values are reflected in every aspect of Dwight’s work and leadership.

James P. Cravens, Sanborn Savings Bank, Sanborn

James P. Cravens began his career at Sanborn Savings Bank in 1975 and has since worked his way up to serve as Chairman of the Board, a role he holds today. Overseeing the bank’s evolution from manual recordkeeping to modern computer-based systems. His leadership has been instrumental in ensuring the bank’s technology infrastructure remained current, secure, and functional in a rapidly changing digital landscape.

A steadfast advocate for community service, Jim has dedicated decades of volunteer leadership across numerous local organizations. He served as Chairman of the Sanborn Municipal Electric and Telecommunications Board for nearly three decades, and held long-standing roles on the Sanborn Development Board, Prairie View Retirement Home Board, and Sanborn Housing Board. His commitment to education includes service as Treasurer for the Sanborn Community School and recognition by the Hartley-Melvin-Sanborn School District with a Merit Award in 1991.

Jim’s deep faith and community spirit are reflected in his multiple terms on the Board of Trustees and Session at First Presbyterian Church, his time as Treasurer of the Sanborn Kiwanis Club, and his years coaching youth soccer.

Throughout his career, Jim has remained guided by a simple but profound principle: no matter how much technology changes, the heart of banking lies in caring for your employees, your clients, and your community.

Timothy Daugherty, Bellevue State Bank, Bellevue

Timothy Daugherty began his banking career in 1975 at Bellevue State Bank and has remained dedicated to the institution and community ever since. One of his most significant achievements as CEO has been establishing an Employee Stock Ownership Plan, which enabled employees to purchase the majority interest in the bank. This local ownership model has fostered a strong culture of employee engagement and loyalty, resulting in low turnover and a focused commitment to exceptional customer service.

Timothy’s deep connection to the Bellevue community is reflected in his active participation in numerous organizations, including the Bellevue Community Club, Dream Bellevue, Sons of the American Legion, Knights of Columbus, Chamber of Commerce, St. Joseph’s Finance Committee, Bellevue Golf Club, and Bellevue Heritage Days. He credits his success to the talented co-owners who share his vision and the unwavering support of the community, which has made his role both humbling and rewarding.

Through his leadership, Timothy has ensured that Bellevue State Bank remains a true community institution, dedicated to serving and uplifting the people it calls home.

Robert J. Dixon , Citizens State Bank, Sheldon

Robert J. Dixon began his banking career in 1975 at Rolfe State Bank and has since become a respected leader in the community banking industry. He has served as State President of the Community Bankers of Iowa (CBI) and contributed extensively to various committees within both CBI and the Independent Community Bankers of America (ICBA). Robert’s commitment to promoting and developing independent community banking at the state and national levels has been a rewarding highlight of his career.

Beyond banking, Robert has been deeply involved in community service throughout his life. In Rolfe, he helped found and organize the local volunteer ambulance service, leading fundraising efforts to purchase a new ambulance, and served as an EMT for 18 years. He is an active member of the Lions Club and the Methodist Church in Rolfe.

In Sheldon, Robert has served as president of the local Kiwanis Club and chaired the finance committee of the Methodist Church. For over 25 years, he contributed to the local airport commission, serving as both secretary and chairman. A passionate private pilot for more than 50 years, Robert holds instrument and twin-engine ratings and owns his own airplane based in Sheldon, Iowa.

A proud veteran, Robert served in the U.S. Army Medical Corps at Walter Reed Hospital in Washington, D.C., and in Vietnam. His lifelong dedication to leadership, service, and community exemplifies the best qualities of a true community banker.

David Dvergsten, Security Trust & Savings Bank, Storm Lake

Since beginning his career in 1975 at Security Trust & Savings Bank, David has remained a steadfast leader, guiding the institution with integrity and a strong sense of purpose.

As a lifelong member of the bank, David has been instrumental in continuing the legacy of a family-owned financial institution that has served the Storm Lake community for over 117 years. Under his leadership, the bank has maintained its strong community roots while navigating the evolving landscape of modern banking. His commitment to preserving local, relationship-based service has made Security Trust & Savings Bank a trusted name for generations.

David’s commitment to community extends far beyond his professional role. He has served as a Trustee of Buena Vista University and an Elder at Lakeside Presbyterian Church. He has also held key leadership roles as President of the Storm Lake Industrial Corporation and President of the Buena Vista Regional Medical Foundation, advancing economic development and healthcare access in the region. In addition, David has supported local youth and recreation, serving as a board member for the Field of Dreams Recreational Fields and for Storm Lake Little League. His involvement in these initiatives reflects his belief in building a strong future by investing in children, families, and quality of life in the community.

John Edge, State Savings Bank, West Des Moines

John Edge began his banking career in 1974 at State Savings Bank in Baxter, Iowa. With over five decades of service, John has remained unwavering in his commitment to integrity, customer-focused leadership, and the core values of community banking. Today, he serves as Chairman of the Board at State Savings Bank in West Des Moines, where his steady vision continues to guide the institution’s success.

Beyond the bank, John has shown a deep dedication to his community and country. He served in the United States Army and contributed a decade of leadership to the Baxter Economic Development Committee. He has also been an active member of the Waukee Rotary Club, reflecting his belief in giving back and leading by example.

Throughout his career, John Edge has exemplified what it means to be a trusted steward of community banking—prioritizing people, doing what’s right, and building a legacy of service and stability.

Rose Mary Frahm, First National Bank of Manning, Manning

Rose Mary Frahm began her banking career in 1974 at First National Bank of Manning and has been an integral part of the institution for nearly 50 years. Throughout her tenure, she has witnessed and adapted to all phases of evolving banking technology and was honored with the title of Cashier in 2000. Rose Mary’s commitment to both her profession and her community is evident through her active involvement with Sacred Heart Parish in Manning, Good Shepherd Parish in Templeton, and various community organizations over the years.

She shares a loving life with her husband of 63 years, their son and his spouse, as well as their extended family. Rose Mary’s dedication and longevity exemplify a true passion for service—both inside the bank and throughout her community.

Thomas Fullerton , Clinton National Bank, Clinton

Thomas Fullerton began his banking career in 1963 at First State Bank in Biggsville, Illinois, and went on to serve Clinton National Bank with distinction for over 50 years. His most notable accomplishment was his appointment as Executive Vice President at Clinton National Bank, where he worked closely under Bob Holleran, a leadership experience he deeply valued.

Today, Tom continues to contribute as a respected member of Clinton National Bank’s Board of Directors. Throughout his career, he has been a pillar of the community, serving as past President of the Clinton Chamber of Commerce, Clinton Area Development Corporation, and as the founding President and long-time board member of the Clinton County Development Association.

Among his many community achievements, Tom was instrumental as one of four negotiators who successfully merged Clinton’s two major hospitals—Mercy and Jane Lamb—strengthening local healthcare services. He has taken great pride in supporting family-owned businesses, helping them grow and prosper throughout the region.

Ronda Hughes, CUSB Bank, Cresco

Ronda Hughes began her banking career in 1970 at Olmsted County Bank as a teller. In 1976, she returned to Cresco, Iowa, joining Cresco Union Savings Bank (now CUSB Bank) where she expanded her experience by working in loans, new accounts, and advertising—often wearing many hats in a small office setting. In 1985, Ronda took on the role of Executive Secretary and Trust Officer, working closely with owner and CEO Jack Thomson. She continued in this leadership capacity as Vice President until retiring in 2004. Shortly thereafter, she was invited to join the bank’s Board of Directors and in 2014 became the VIP Coordinator for CUSB Bank’s active travel club, organizing monthly activities and major trips for senior members.

Ronda’s banking career spanned numerous facets of the industry, including involvement in several acquisitions and building projects. Beyond banking, she dedicated herself to public service, serving three terms as Mayor of Cresco and participating on multiple city and county boards. Her community leadership extended to the Cresco Chamber of Commerce, Cresco Industrial Development, Cresco Theatre Commission, and health care capital campaigns, among many others. She also served on boards for Northeast Iowa Community College, Howard County Foundation—where she chaired for five years—and the Northeast Iowa Community Foundation.

Since relocating to Lime Springs in 2009 with her husband Jarry, Ronda has continued her commitment to community through leadership roles with the Lime Springs Community Club and Foundation, and as Secretary of the Pleasant Hill Cemetery Board. She actively volunteers with RSVP Northeast Iowa, assisting elementary students with reading and acting as a Secret Pen Pal, sharing her love of education and community involvement.

Ronda and Jarry have four children and eight grandchildren and enjoy gardening, traveling, and spending quality time with family.

Kathleen Klahn, Clinton National Bank, Clinton

Kathleen “Kathy” Klahn began her banking career in 1971 at Camanche State Bank and has spent over five decades helping families and individuals achieve their dream of homeownership. Today, she serves as a Real Estate Loan Processor and Business Development Assistant at Clinton National Bank, where her dedication to personalized service continues to make a lasting impact. Kathy’s most rewarding accomplishment has been working directly with families—whether securing a mortgage or helping them get financially prepared to buy a home. In recognition of her outstanding work, she was named Mortgage Banker of the Year by the Iowa Mortgage Bankers Association in 2018 and served as the association’s Board President from 2009 to 2010.

Beyond her professional achievements, Kathy is deeply engaged in the community. She has served as President of the Clinton Rotary Club, the YWCA, the Clinton County Bankers Association (becoming its first female president), the Clinton Red Cross Board, and Gateway United Way. Her involvement extends to Junior Achievement, the Chamber of Commerce, where she was an Ambassador and Chair of the Camanche Chamber, and the Citizens Police Academy. She has also served on the boards of the Sarah Harding Home and Big Brothers Big Sisters of Clinton and currently serves on the boards of Make-A-Wish, the Rotary Foundation, and the Clinton County Development Association.

Kathy often reflects on how fortunate she feels to work for a financial institution that truly values its employees and treats them like family.

Martin McCartney, State Savings Bank, Bedford

Martin “Marty” McCartney began his distinguished banking career in 1963 at First State Bank in Tabor. With decades of service in community banking, Marty’s leadership stood out most prominently during the 1980s agricultural crisis, when he served as President of a group that successfully acquired and stabilized two failed banks. His steady guidance and strategic foresight helped navigate those institutions through a critical transition, integrating them into a larger, stable organization and ensuring continued service to their communities.

In addition to his professional contributions, Marty has been deeply involved in civic life. He has served as Chairman of both the Methodist Church Board and the Low Rent Housing Board and contributed to numerous committees supporting the Sidney Rodeo. His commitment to community leadership has been a hallmark of his career.

Now retired and living in the Glenwood area with his wife, Pat, Marty continues to manage his family farm operation and remains active in banking as a director for State Savings Bank in Bedford. In his spare time, he still enjoys the occasional round of golf.

Robert Meyer, Pilot Grove Savings Bank, Pilot Grove

Robert (Bob) Meyer began his banking career on February 15, 1975, and has served in a variety of leadership roles, including President and CEO of Wayland State Bank. He is currently a Consultant at Pilot Grove Savings Bank, continuing to share his experience and insight.

One of the defining moments of Bob’s career came during the challenging farm crisis of the early 1980s. As a leader in a small community bank, Bob faced the immense responsibility of managing distressed credits during a time of economic turmoil. The experience took a personal toll but ultimately reinforced his belief in the strength that can emerge from adversity. From this, Bob adopted a compassionate philosophy—standing by people and offering second chances during their hardest times—principles that have guided his career ever since.

Bob’s leadership extended well beyond his bank. He served on numerous industry boards, including the Board of Directors for the Iowa Bankers Association, the Legislation Committee, the Management Committee, and the Ag Credit School. He also held director roles with the Bankers’ Bank of Madison, Wisconsin, Shazam, and the Iowa Division of Banking.

Deeply committed to community development, Bob has played a central role in numerous local initiatives. He has served on the Wayland Economic Development Corporation, Mt. Pleasant Area Development Corporation, Henry County Hospital Board of Trustees, Iowa Wesleyan Board of Trustees, Enhance Henry County Foundation, and the Henry County Revolving Loan Fund. His involvement in these organizations underscores his enduring passion for economic growth and community sustainability. Bob and his wife, Karen, have also extended their commitment globally, spending two and a half years in Brazil doing community development work through their church. His efforts have helped launch a medical clinic, a restaurant, and two industrial parks in his hometown—ventures that reflect both his entrepreneurial spirit and his unwavering belief in building stronger futures.

Larry L. Piatt, Iowa Trust and Savings Bank, Centerville

Larry L. Piatt began his career at Iowa Trust and Savings Bank at the age of 25, shortly before marrying his wife, Cheryl. Starting as a teller, Larry quickly mastered various roles within the bank, eventually moving into the loan department as supervisor and ultimately attaining the position of Senior Vice President of Lending. He currently serves on the Board of Directors of Iowa Trust and Savings Bank.

Larry has actively participated in numerous committees, volunteered for legacy events, and contributed creatively to community celebrations, including designing award-winning floats for the annual Pancake Day festivities and supporting the county fair. One of his most cherished volunteer activities has been with “Trees Forever,” a program often subsidized by the bank, which made it financially feasible for many community members to plant new trees.

Giving back to the community that he and Cheryl call home has been a meaningful aspect of Larry’s career, particularly through his representation of the locally owned community bank.

Larry and Cheryl have been married for 58 years and raised three children in Centerville: Darrin (Michelle) Piatt, Jeff (Jennifer) Piatt, and Julie Richardson. They treasure time spent with their seven grandchildren, enjoying visits in Iowa and traveling to Texas during the winter months.

Mary Jo Upah, County Bank, Sigourney

Mary Jo Upah began her banking career in 1973 at Poweshiek County Savings Bank, where she found her passion working in the operations area. Over the years at small community banks, Mary Jo wore many hats—serving as a teller, handling new accounts, managing loan administration, and more. One of her memorable career highlights was leading the contingency planning for Y2K, a critical initiative to prepare for the anticipated computer challenges at the turn of the millennium.

Beyond banking, Mary Jo is deeply committed to her community and faith. She is a member of St. Patrick Church in Brooklyn, where she serves as President of the Altar and Rosary Society and is an active member of the Finance Council. She also serves as Treasurer and volunteer for the Brooklyn Community Food Bank. Mary Jo and her husband John have three grown children and five grandchildren. They share a love for outdoor activities, volunteering with the National Ski Patrol, and supporting recreation efforts at Seven Oaks Recreation Area and Oak Ridge MotoCross track.

Connie Wagner, Farmers & Merchants Bank & Trust, Burlington

Connie began her career in banking in 1972, starting as a teller and rising through the ranks to serve in several leadership roles, including Chief Operating Officer. She currently serves as Vice President and Internal Auditor at Farmers & Merchants Bank & Trust in Burlington, Iowa, and plans to retire in 2026.

Connie’s most notable accomplishment is the longevity and loyalty that define her career—having worked for Walsh family-controlled banks for nearly five decades. Her 49.5 years of continuous service with the same employer is a rare achievement and speaks to her integrity, reliability, and professional excellence. As she nears retirement, Connie has embraced the unofficial title of “resident historian,” a role well-earned after witnessing and adapting to the many changes in the banking industry over the past 50 years.

Beyond the bank, Connie has been deeply involved in her community. She has served as a Southeast Iowa Regional Hospice Advisory Board Member and volunteered with hospice for over 15 years. Her long-standing service with the Burlington/West Burlington Area United Way included roles as Treasurer, Allocations Review Co-Chair, and Board Member. Connie also helped coordinate the annual Group 11 meetings and golf outings for many years, reinforcing her commitment to collaboration and professional fellowship within the banking community.

A lifelong resident of Southeast Iowa, Connie treasures time spent with her three daughters, seven grandchildren, and two great-grandchildren. She enjoys working outdoors, particularly mowing and maintaining her yard. Following the passing of her husband three years ago, Connie has found strength and support in her “bank family,” finding purpose and fulfillment in her continued work and daily interactions with colleagues.

Karen Westby-Jones, Decorah Bank & Trust Company, Decorah

Karen Westby-Jones began her banking career in 1975 at Northeast Iowa Savings and Loan Association. Over the years, she has worked at two financial institutions, both of which experienced numerous acquisitions, mergers, and name changes. Through each transition, Karen was a steady and trusted leader—instrumental in implementing new core processing systems and guiding successful core conversions. Her career is marked by adaptability, deep expertise, and an unwavering commitment to customer and team success.

Karen’s banking journey spans nearly every department—teller, proof processing, personal banking, lending, marketing, deposit operations, and staff training. Her passion for serving others and building lasting relationships has been at the heart of her work. She considers her time at Decorah Bank & Trust Company—an employee- and family-owned institution—especially rewarding for its strong community values and customer-first culture.

Outside the bank, Karen has been a dedicated community member. She has served on the Evans Memorial Home Board of Directors, the Crestwood All Sports Booster Club, and various church boards, and has led as a 4-H volunteer. In retirement, she looks forward to continuing her legacy of service through community volunteering in Decorah.

Karen and her husband, David, make their home in Decorah. They are proud parents to two children—Sara Thomas, who lives in Decorah with her husband Trevor and their three children, and Ethan Jones, who lives in Oregon with his wife Nicole and their two children. Karen enjoys biking scenic trails, spending time with family, and cheering on her grandchildren.