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Home > About Us > Officers


Fritz Kuhlmeier

President & CEO / Trust Officer

Lena - (815) 369-4524

Fritz has been Citizens State Bank’s President & CEO since 2000. His 28 years of experience in the banking industry also include being 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 a member of the Highland Community College Foundation and has served as President of the Dakota School Board, a Trustee of St. Paul Church, and as a member of the Stephenson County Extension Board.

Joel Kempel

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

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

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.

Adam Talbert


Freeport - (815) 801-4524

Adam is a graduate of Aquin High School and earned a B.S. in Finance from the University of Illinois at Urbana-Champaign. He is a licensed Investment Executive with Primevest Financial Services and is licensed to provide Illinois Life, Health and Disability Insurance. He is a member of the Freeport Young Professionals Network and active in the Freeport Chamber of Commerce. He has worked with fundraising for Breast Cancer Awareness and has coached basketball and football at Pearl City High School.

Mindy Borgmann

Vice-President / Freeport Branch Leader

Freeport - (815) 801-4524

Mindy has been in the banking industry for over 23 years as a personal banker, loan officer, marketing director and sales manager. She is a graduate of Dakota High School, earned her AS from 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 a Board member for VOICES. She is also an active volunteer for the United Way and the Relay for Life.

Kelly Raab

Chief Operations 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.

Dennis Huttenlocher

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.

Janet Lindenman

Personal Banking Officer / Relationship Manager

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


Lena - (815) 369-4524

Amy has been Citizens’ Controller for 10 years and has over 15 years of financial accounting experience. She attended Orangeville High School, earned her B.S in Accounting from Illinois State University, and has graduated from The Midwest School for Community Bankers, as well as the Highland Community College Leadership Institute. Amy currently serves on the Orangeville Board of Education and is attending the Graduate School of Banking at the University of Wisconsin - Madison.

Anne Lytle

Vice-President / Secretary

Lena - (815) 369-4524

Anne has over 28 years experience in the banking industry as a teller, customer service representative, loan administrative assistant, and loan officer. She is a graduate of Lena-Winslow High School and has attended numerous banking schools and seminars. Anne currently serves as Secretary of the Lena Business Association.

Dennis Groezinger

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.

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