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Frederick Kuhlmeier

President, C.E.O. and Trust Officer

Lena - (815) 369-4524


Fritz has been Citizens State Bank’s President & CEO since 2000. His 35 years of experience in the banking industry also include service as an Agricultural Loan Officer, Senior Loan Officer and Executive Vice-President. He is a graduate of Dakota High School, earned his AS in Agriculture from Highland Community College and his BS in Agricultural Education from Illinois State University. In addition, he has graduated from the Midwest School of Banking and Illinois Agricultural Leadership Institute. Fritz currently is Chairman of the Northwest Illinois Development Alliance, Secretary-Treasurer of the Lena Economic Development Foundation, and Treasurer of the Highland Community College Foundation and has served as President of the Dakota School Board, and as a Trustee of St. Paul Church of Davis.

Joel Kempel

Executive Vice-President / Sr. Lending Officer

Lena - (815) 369-4524

Joel oversees the entire loan department as well as uses his 30 years of lending experience to write Consumer, Agricultural and Personal loans. Joel is a graduate of Pearl City High School and earned a BS in Agri-Business from Illinois State University. He is also a graduate of the Illinois Bankers School and the H.C.C. Leadership Institute. He is a member of the Stephenson County Farm Bureau, the Stephenson County Beef Association and is very active in the Pearl City Masonic Lodge and Pearl City Lions Club.

Michael Mammoser

Vice-President, Commercial / Consumer Lending Officer

Stockton - (815) 947-3366

Mike has been performing consumer, real estate and commercial lending for over 18 years. He graduated from Stockton High School and went on to earn a BA in Finance from Loras College. Mike serves as a Trustee for Berreman Township and is an active member of the Stockton Educational Foundation.

Mindy Borgmann

Sr. Vice-President of Retail Services, Freeport Facility Manager, Compliance Officer, Physical Security Officer

Freeport - (815) 801-4524

Mindy has been in the banking industry for over 30 years as a personal banker, loan officer, marketing director and sales manager. She is a graduate of Dakota High School, and Highland Community College and was designated a Certified Financial Planner from the College of Financial Planning in Denver. Mindy is the Treasurer of both the Lincoln-Douglas Society and the Stephenson County Nursing Center Foundation and Board member for VOICES, currently service as President. She is also an active volunteer for the United Way and Salvation Army.

Kelly Raab

Chief Operating Officer, BSA, Red Flag, and Information Security Officer

Lena - (815) 369-4524

Kelly has over 28 years experience in the banking industry holding various positions in the lending and mortgage departments before becoming the bank’s Cashier. She is a graduate of Savanna High School and has been an active volunteer for both the Boy Scouts and Girl Scouts. Kelly is also an active volunteer in the school and baseball activities

Dennis Huttenlocher

Assistant Vice-President, Commercial / Consumer Lending Officer

Lena - (815) 369-4524

Dennis has over 12 years of banking experience as both a lender and in the marketing department. He attended Stockton High School, earned a BA from Eureka College, is a graduate of the Midwest School for Community Bankers and is a member of the Career Development Division of the Community Bankers Association of Illinois. Dennis is the Director/Treasurer for Lena Retreat Senior Housing and is the head coach for Lena-Winslow Varsity Boys Basketball.

Janet Lindenman

Personal Banking Officer & Assistant Trust Officer

Freeport - (815) 801-4524

Janet has worked in the financial services industry since 1982. Her work experience has been spread amongst the fields of banking, trust and brokerage. Previous positions held by Janet include Teller, New Accounts, Administrative Assistant, Customer Service, Commercial and Mortgage Loan Secretary, Proof Operator, Senior Bookkeeper, Employee Benefits Assistant, Employee Benefits Administrator, Trust Officer, Trust Operations Officer, Vice-President, Employee Benefits Officer, Senior Administrative Associate and Senior Client Associate/Financial Associate. She is a graduate of Lena-Winslow High School and has earned an Associates of Business Administration and an Associates of Science degree from Highland Community College and has completed her Basic Banking & Finance Certificate. While at HCC she was inducted into Phi Theta Kappa. Northwestern University is where Janet attended the ABA National Trust School and completed the ABA National Graduate Trust School which she graduated with honors from and earned the designation of Certified Financial Services Counselor. DePaul University is where Janet completed the Illinois Bankers Association Trust and Investment school. Other training includes the Pension Law and Administration course offered by the Institution of Employee Benefits Training. Janet has been involved in the past with the Lena-Winslow Jaycees, the school’s sports programs, and the United Way.

Amy Baker

Chief Financial Officer, Treasurer, Risk, & Information Technology Officer

Lena - (815) 369-4524

Amy has been Citizens’ CFO and First Lena Corporation’s Treasurer since January of 2002.   She graduated from Orangeville High School, earned her A.S. from Highland Community College and finished her B.S. in Accounting from Illinois State University in 1997.  Amy has graduated from The Midwest School for Community Bankers, Graduate School of Banking at the University of Wisconsin-Madison and The Highland Community College Leadership Institute.  Amy currently serves on the Orangeville Board of Education as well as the Treasurer for the Grace FMC in McConnell. 

Dennis Groezinger

Assistant Vice-President, Ag/Consumer Lending Officer

Lena - (815) 369-4524

Dennis has been a loan officer for over 6 years and helps area farmers as the bank’s Crop Insurance Specialist. He is a graduate of Lena Winslow High School and earned his AS from Highland Community College and his BS from the University of Wisconsin-Platteville. He serves his community as a volunteer for the Lena Fire Department.


NMLS ID #1253425
Consumer/Commercial Lending Officer

Freeport - (815) 801-4524

Matt started his career as a teller at Citizens State Bank at the Freeport location when it opened in 2008. While working there, he also attended Highland Community College and earned his Associates Degree; he later transferred to Illinois State University, where he earned his Bachelor’s Degree while majoring in Finance. After graduating from ISU, Matt returned to work for Citizens at the bank’s Lena location and worked as a Credit Analyst up until his recent promotion.

Doug Riedl

Trust Investment Officer

Lena - (815) 369-4524

Doug earned a BA in Communications from Iowa Wesleyan College. He is a member of the Jo Daviess county Comprehensive Economic Development Strategies Committee and active in the preservation of wildlife habitat and hunting, and in the education of our young hunters.

Brock musser

NMLS ID #1201247
Ag/Consumer Lending Officer

Stockton - (815) 947-3366

Prior to joining Citizens State Bank, Brock worked as a Loan Officer for First State Bank Shannon-Polo, where he specialized in commercial, ag and consumer lending. Brock attended Highland Community College and earned his Associates Degree in Accounting, then transferred to Illinois State University in Normal, where he earned his Bachelor’s Degree in Agribusiness.

Amy Powers

Assistant Trust Officer

Lena - (815) 369-4524

Amy has over 15 years of banking experience as a teller, vault teller, assistant manager and licensed personal banking officer. She is a graduate of Durand High School and attended Rock Valley College. She is a very active member of the Girl Scouts of Green Hills Council.

Annette Wichman

Customer Service Manager

Lena - (815) 369-4524

jessica engle

Human Resource Director


Jessica graduated in 2000 from Loras College in Dubuque, Iowa, with a Bachelor’s degree in Human Resource Management. A Lena native and Le-Win graduate, Jessica has worked in Human Resource Management for various companies in the tri-state region for the past 15 years, prior to joining Citizens State Bank in April of 2015. Jessica serves as President of the River Ridge PTO; she’s on the steering committee for the Jo Daviess County Leadership Forum; she is involved with Greater Elizabeth Arts & Recreation (GEAR) as a board member, and she is an active volunteer at the Church of St. Mary, in Elizabeth, IL, where she and her husband, Brian, live with their 3 children.

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