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Loan Department








Joel Kempel

NMLS ID #757619
Senior Vice-President / Senior Loan Officer

Lena - (815) 369-4524






Joel oversees the entire loan department as well as uses his 25 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.







Dave Erwin

NMLS ID #757616
Vice-President / Loan Officer

Stockton - (815) 947-3366






Dave has over 32 years experience in agricultural, business and personal lending. He is a Pearl City High School graduate and earned a BS in Agricultural Economics from Southern Illinois University. Dave is an active member of the Pearl City Lions and serves on the Stephenson County Fair Board.







Mike Mammoser

NMLS ID #757617
Vice-President / Loan 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.







Dennis Huttenlocher

NMLS ID #757614
Loan 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.







Dale Heinkel

NMLS ID #757613
Loan Officer

Freeport - (815) 801-4524






Prior to joining Citizens State Bank in June of 2010, Dale worked as an Agricultural Lending Specialist for Mid-Wisconsin Bank, and as an Agricultural Loan Officer for the Bank of Augusta. Before that he was a consultant with Illinois Valley Farm Business Farm Management, where he provided farmers with financial advice and guidance for nearly 20 years. Dale also managed his own family farm in Stephenson County for nearly a decade. Dale earned his Bachelor of Science degree, majoring in Dairy Science at the University of Illinois in Urbana-Champaign.



Dale is currently active in the community as the Treasurer of the Freeport Noon Kiwanis as well as helping the Freeport Area Church Cooperative with projects.







Dennis Groezinger

NMLS ID #757618
Loan Officer / Crop Insurance Specialist

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.







Brock musser

NMLS ID #1201247
Loan 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.







MATT MOYER

NMLS ID #1253425
Loan 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.







Kellie White

Loan Administrative Assistant

Lena - (815) 369-4524






Kellie has been in the banking industry for over 13 years and has previously worked as a teller, in customer service and as loan support. Her current focus is on agricultural and commercial loan documentation and processing. She is a graduate of Lena-Winslow High school and has been very active as a volunteer at Orangeville High School.







Penny Westwood

Loan Administrative Assistant

Stockton - (815) 947-3366






Penny has been in the banking industry for over 9 years and was previously a teller before joining the lending department. She currently focuses on loan documentation and processing for the Stockton branch. She is a Lanark High School graduate.

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