Please note that our website will no longer support Internet Explorer version 8 or lower.


Please Upgrade your browser to fully experience the features and security of our website.


Thank you.

Download our free Mobile Banking App today!

Apply for...

Meet Our Lenders


Rick Busch



A Wisconsin native hailing from the southwest corner of the state, Rick has a passion for the outdoors and is enthusiastic about helping people’s dreams come alive. Rick has always been good with numbers, which led him to a career in the financial industry in 1978. After five years in the industry, he became a lender and has served as president of Royal Bank since 1991. He strongly believes in putting the best interests of the customer at the forefront of every decision and most enjoys seeing people succeed.    

Rick and his wife, Angel, have proudly made their home in Gays Mills, WI where you will find him actively involved in his community, including serving on the Gays Mills Fire Department and the Gays Mills Lions Club. Although spring is his favorite season, Rick finds ways to relax and unwind year-round including ice fishing, hunting, woodworking, photographing wildlife and cheering on the Badgers, Cubs, Packers and Brewers.

NMLS#: 700199


NMLS 700196

Greg Darga



As an experienced community banker, Greg has served as president of Royal Bank since 1999. He began his banking career at Royal Bank, filling in for the branch manager on extended medical leave, at Royal Bank Avoca in 1987, and has been with Royal Bank ever since. His depth of experience and ability to effectively lead contributes to his passion of helping people grow and achieve success. As a graduate of UW-Stevens Point and the Graduate School of Banking at UW-Madison, Greg has deep understanding of lending and specializes in real estate and commercial lending.

Greg has enjoyed coaching youth baseball, softball, basketball and volleyball in the past and has also served on the Board of Directors for the Spring Green area Chamber of Commerce.  He was born in St. John’s Newfoundland, Canada, but has lived pretty much his whole life in Wisconsin, where his parents were born and raised.  When he is not catering to customers or helping to run bank operations, Greg enjoys spending time with his wife, Connie and their two daughters and cheering on the Badgers, Packers, and Brewers.

NMLS#: 700196



Glenda Faull



Growing up on her family’s beef and grain farm in Southwest Wisconsin, Glenda was destined to serve the agriculture industry. Upon graduating from UW-Platteville with a degree in business agriculture, Glenda pursued her passion, leading her to a rewarding career in Ag lending. In addition to serving as president of Royal Bank, together with her husband, Dave, and sons, Cole and Eric, Glenda has continued the tradition her family started and is the fourth generation to run the beef and dairy operation she grew up on.  

As a proud Southwest Wisconsin resident, Glenda is highly dedicated to giving back to her community, serving as a club leader for Cobb Busy Badger 4-H club, a Cobb First Responder and a Montfort EMT. She has served as financial secretary, board chairman, pastor parish chair, Sunday school teacher and youth leader of her church. When she’s not at the bank or donating her time, you can expect to find her harvesting the bounty from her husband’s vegetable garden, planning her next skiing vacation in Vail or fulfilling her goal to visit all 50 states. 


NMLS#: 474160





Bob Hart



Bob has been in the financial services industry since 1978 and has served as president since 1999.  One of his guiding principles is “always do what’s best”, which he has instilled in every facet of his life. With a degree in agronomy from the University of Wisconsin and a long history of agriculture lending, Bob has a deep understanding of the unique needs Ag operations have and takes pride in building lifelong relationships with customers.  

Having been born and raised in the bank’s hometown of Elroy, WI, Bob radiates with Elroy pride. He has always enjoyed being involved in the community and is actively involved in the Elroy Lions Club, Salvation Army and his church. Bob rarely misses an opportunity to offer a helping hand at local events and eagerly jumps at the occasion to give back. When he’s not offering his time in the community, Bob enjoys hunting, fishing and playing golf and is a loyal Badger, Brewer and Packer fan.

NMLS#: 700198



Jack Heding



In 1976, Jack came into the community banking industry completely by chance. Being a fresh UW-Platteville graduate, he moved back near his hometown of Wonewoc, WI and was in need of a job. He applied for and received a position with a local bank, an opportunity that would lead to a lifelong career in community banking.  In his position as president, Jack has an open door policy and takes personal pride in helping local families and businesses achieve financial success. He enjoys helping his community grow and has served on the Hillsboro School Board, Hillsboro Lions Club and St. Joseph’s Hospital Board.

As a Wisconsin native, Jack enjoys spending time outdoors and particularly enjoys golf, bow hunting, gun hunting and working outside on his ranch. To pass the cold winter months, he enjoys crafting culinary dishes - and he’s pretty darn good at it, too! He enjoys spending time with his wife of over 40 years and his two children.  If you asked his family, friends and co-workers, they’d say Jack is honest, loyal and compassionate, has a good sense of humor and is a great listener.

NMLS#: 700197



Joy Blum

Loan Officer


Having been in the community banking industry since 1980 and lending since 1996, Joy has a deep understanding of the financial services industry. She enjoys helping customers reach their financial goals, meeting new people and helping her community succeed. She’s held leadership positions in community organizations, having served on the Cassville Public Library board, Cassville Car Cruise Club and St. Charles Fall Festival board and has helped facilitate local benefits and fund raisers.

Being born and raised in Wisconsin, Joy is a natural Packer, Badger and Brewer fan and can be found cheering on her favorite teams all year long. In the summertime, she enjoys boating on the Mississippi River and spending time in her vast backyard garden.

NMLS#: 700203


Brandy Ellsworth

Brandy Ellsworth

Loan Officer


Brandy has been an asset to Royal Bank since 2003 when she started as a part-time teller. She served our country in the U.S. Navy prior to joining the Royal Bank team and developed discipline and focus that helped her achieve her goal of becoming a loan officer for the bank. She also serves as the primary mortgage underwriter, so she has a deep understanding of our loan programs to help customers achieve their financial goals.

Brandy is also a motorcycle enthusiast and can be spotted riding her cycle with her husband when the weather is nice. When she's not pampering her customers or riding her cycle, you can find Brandy spending time with her husband and three children, knitting or preparing for the next Tough Mudder.



NMLS#: 615153




Barb Enloe

Vice President


Barb has spent most of her career in the community banking industry having started in banking in 1975 as a loan secretary – back when all loan documents were typed with a typewriter! She learned a lot about lending in this position, and eventually became a loan officer. She enjoys building relationships with customers and working in the community, having served on the Iowa-Grant Music Parents Club and the Iowa-Grant Education Foundation.

Her favorite time of year is fall when she can enjoy cooler temperatures and admire the colorful leaves that cover her hometown area in the driftless region of Southern Wisconsin.  True to her Wisconsin roots, Barb is an avid Packer and Badger fan and can be found cheering them on all year.  




NMLS#: 529633




Josh Esser

Loan Officer


Josh hails from the Southwest region of Wisconsin where he currently resides. He has a unique understanding of both the agriculture and commercial financial services industries, having grown up on his family’s dairy farm and earning a degree from Southwest Technical College in business finance and marketing. Josh has worked in the community banking industry since 2007 and specializes in agriculture, commercial, real estate and consumer lending. “One of the most rewarding things about being a lender is helping friends and neighbors achieve financial success and watching our local businesses grow”.

Josh has always enjoyed being a part of the community and regularly donates his time to local organizations, including the Iowa County Cattleman’s Association, the Dodgeville Chamber event committee and Iowa-Grant SnoCats. Being a part of the SnoCats, Josh enjoys snowmobiling in the winter. During the summer months, you can find Josh helping at his family’s dairy farm or spending time on the water.



NMLS#: 1017928




LuAnn Fecht

Vice President


LuAnn’s community banking career began in the teller line and she now serves as branch manager and loan officer at the bank’s Dickeyville branch. She began her career with Royal Bank after receiving a surprise phone call from her former co-worker and now president of Royal Bank, Rick Busch, with an offer she couldn’t refuse. With her customer-first mentality, LuAnn most enjoys working for an organization that is very customer conscious. She gets her greatest joy from helping customers reach their goals and succeed financially.

LuAnn enjoys giving back to her community, having worked with the Grant County Habitat for Humanity, served on the Potosi/Tennyson Chamber of Commerce Board and Chamber Housing Committee and is actively involved in fund raising and acting as a Eucharistic Minister at her local church. When she’s not reaching out to customers or helping in her community, LuAnn enjoys hopping into her convertible and driving around the country with her husband. So far, they have been to the Badlands and Black Hills, Niagara Falls and Toronto, St. Louis and Lake of the Ozarks, the Blue Ridge Mountains, all around the upper Midwest and, of course, visiting their three kids and four grandchildren.

NMLS#: 474161


Nicole Fortney

Loan Officer


Nicole began her community banking career with Royal Bank in 1999 as an account representative and quickly grew into her current role as loan officer and branch manager for the bank’s Gays Mills branch. As a graduate of the Graduate School of Banking at UW-Madison, Nicole has a deep understanding of the financial services industry and passion for helping people reach their financial goals. She specializes in consumer, agriculture, business and real estate lending.

When she’s not assisting customers, Nicole can be found giving back to her community by serving on the Ocooch Mt. Rescue Squad, helping to organize the food stand for North Crawford High School and the American Legion baseball team. She also enjoys sitting by an open campfire in the summertime, warming up in front of her fireplace in the wintertime, cheering on the Badgers, Packers and Brewers anytime and spending time with her two children.

NMLS#: 615155



Jeff Gruetzmacher

Vice President


Jeff grew up on his family’s large dairy and beef farm in central Wisconsin. He was a typical business owner’s kid, working in many parts of his family’s farm, real estate, construction, and entertainment businesses. 

After graduating from the University of Wisconsin-Madison, he moved to Lancaster, where he was a loan officer with the Farm Service Agency (FSA). Jeff’s career progressed and he eventually was in charge of all FSA lending policy in southern Wisconsin, helping beginning, expanding, and modernizing farmers achieve their financial goals. In 2014, he joined Royal Bank as vice president, primarily focusing on agricultural and commercial lending. Customers always come first with Jeff.

Jeff is an integral part of his community, serving on the Lancaster Area Chamber of Commerce, the City of Lancaster Planning Commission, and the Southwest Opportunities Center Inc. greenhouse advisory board. He is also active in industry associations, serving on the national Independent Community Bankers Association’s Agriculture and Rural Affairs Committee and the Wisconsin Bankers Association Ag Bankers Board of Directors. In his free time, Jeff can be found cheering on the Badgers, working on his business properties in the area, exploring and keeping up with his twin daughters and their younger sister.

NMLS#: 1230509




Jessica Herfel

Assistant Vice President


Jessica began her community banking career in 2000 as a part-time teller with Royal Bank while working toward a degree in business administration and finance at Southwest Technical College. During this time she developed a strong passion for banking and finance, which was fueled by mentors who led by example and showed her the thrill of helping customers achieve their dreams.  In 2014, Jessica earned her degree from the Graduate School of Banking at UW-Madison. She serves as branch manager and loan officer at the bank’s Lone Rock branch, specializing in real estate, consumer, agriculture and commercial lending.

Although Jessica hails from Wisconsin, she dislikes the cold winters but admits to staying for the cheese! On the weekends you can find her cooking and spending time with her family, fishing, golfing, going to tractor pulls or riding motorcycles. She enjoys volunteering in her local communities and is a member of the Auxiliary, Walk with Grace and Village of Plain Finance Committee. What many people don’t know about Jessica is that she earned her Girl Scout Gold award for years of membership and community service.

NMLS#: 615152



Mary Houzner

Loan Officer


Mary has been in the community banking industry since 1992, starting as an administrative assistant with Royal Bank. Since that time she has been in credit services and now serves as a loan officer at the bank’s Elroy branch, specializing in agriculture, real estate and consumer lending.

Mary enjoys giving back to her community having served in leadership positions with Cub Scouts, the church council and teaching Sunday School. When she’s not helping customers at the bank, you can find her doing chores at her family’s dairy farm, which has been in operation since the late 1800s! Between helping customers, volunteer service and spending time with her family, she can be found riding motorcycle or four wheelers or cheering on the Brewers, Packer and Badgers! 

NMLS#: 449568



Terri Jackson

Loan Officer


As an experienced industry professional, Terri has been in community banking since 1996 starting as a teller and now serving as loan officer and branch manager at the bank’s Adams branch. When meeting Terri, you will quickly discover her passion for people and customer-driven work ethic. She stays active in the community and currently serves as Town Clerk for the Town of Coloma.

With a strong family-focused mentality, Terri enjoys working for Royal Bank because of the family-centered atmosphere.  She enjoys spending time with her husband of nearly 30 years, her two children, son-in-law and grandchildren. True to her Wisconsin roots, Terri is an avid Badgers, Packers and Brewers fan and can be found cheering them on year-round.

NMLS#: 615156



Rebecca Jensen

Vice President


A Mauston resident and native, Becky serves as vice president and branch manager of the bank’s Mauston branch. She has been in the community banking industry since 1994 and truly has a passion for helping people. She has always enjoyed service to her community, most recently serving on the Mauston Chamber of Commerce and many organizations within the Mauston School District.

When she’s not out in the community or helping customers, Becky has been known to compete in Tough Mudder challenges, run marathons and participate in triathalons. She also speaks Spanish and lived in Seville, Spain during her studies at UW-Whitewater. If you asked her family and friends, they would say she is knowledgeable, genuine, honest and helpful.

NMLS#: 529635



Sherry Jones

Loan Officer


Sherry’s path to community banking began when she moved from eastern Wisconsin to the most beautiful part of the state - the Driftless region. Since that time, she has held various positions in the banking industry including teller, loan processor and consumer lender and now serves as loan officer and branch manager at the bank’s Hillsboro branch. Through her schooling at UW-Oshkosh, Western Technical College and an array of Wisconsin Bankers Association lending schools, she is well versed on residential, agriculture and commercial lending.

Sherry’s inspiration comes from her favorite author, Henry David Thoreau, who taught her to “live deliberately”, which she exemplifies in her own life and helps customers to do the same by helping them become financially successful. She has a passion for sustainable farming and together with her family, has raised sheep, horses, beef, poultry, organic fruit and organic vegetables.

NMLS#: 474159


Sarah Kirschbaum

Sarah Kirschbaum

Mortgage Specialist


Sarah’s community banking roots began in 2000 as a loan processer. She has served a mortgage lender in Southwest Wisconsin since 2010. Over the years, Sarah has developed a strong interest in helping customers achieve success and has a deep understanding of the mortgage lending industry. When you meet Sarah, you will quickly discover her passion for developing relationships and her customer-centric work ethic. Her favorite quote is “the difference between ordinary and extraordinary is that little extra.”

Sarah is active in the community and currently serves as a member of the Lancaster Jaycees and is a board member for the Lancaster Chamber of Commerce. As a Wisconsin native, Sarah enjoys cheering on the Badgers and Packers, and even has two dogs named Jordy and Raji! In her spare time, she enjoys spending time with family and scrapbooking.



Brenda Kluesner

Loan Officer


Having grown up on her family’s rural Wisconsin dairy farm, Brenda has been involved in the agriculture industry almost all her life. Through her experience with the USDA Farm Service Agency and background in running a beef operation and repair business, she is highly knowledgeable about the agriculture and financial services industries. She enjoys the localized service she can provide to customers and specializes in residential, consumer, small business and agriculture lending.

Brenda has enjoyed giving back to the community through her involvement as secretary and treasurer for the Blake’s Prairie Junior Fair in Bloomington and helping with the Grant County Fair. When she’s not in the community or helping customers, you can likely find Brenda at home working on the farm.


NMLS#: 1326542




Jim Koopman

Loan Officer


Jim was born and raised on his family’s dairy farm in Bloomington.  Upon graduation from UW-Platteville in 1971 with a degree in Business & Economics, Jim worked for Theisen’s Farm & Home store in Dubuque, IA.  He was employed at John Deere for six years before entering the banking industry in 1983 at Badger State Bank in Cassville.  Jim has been a loan officer in Cassville for 32 years.

Jim and his wife, Laurie have been married for 44 years.  They have 5 children and 15 grandchildren, with number 16 on the way.   They spend their free time attending their grandchildren’s activities as well as boating, fishing and going to Badger football and basketball games.  Jim is an avid golfer (not a good golfer, but an avid golfer).

Jim has been active in the community, serving on many organizations such as the Cassville Rescue Squad, Elderly Housing, Cassville Tourism, Cassville Economic Development, Cassville Business Club and Grant Regional Health Center board of director.

NMLS#: 700201



Marci Mullens

Loan Officer


With her passion for helping people succeed financially, being a community banking lender is a natural fit for Marci. Upon graduating from UW-Stevens Point with a degree in business administration, she’s been helping people find fitting financial solutions through lending and specializes in real estate, commercial and consumer lending. She serves as loan officer and branch manager for the bank’s Oxford and Endeavor branches and has always enjoyed contributing to her community, currently serving on the Oxford Area Chamber of Commerce and Oxford Lioness Club.

When she’s not focused on serving customers, Marci can be found watching her daughter’s sports teams, cheering on the Packers or cooking. Her favorite time of year is summer so she can spend time outside boating, fishing, playing volleyball and swimming.

NMLS#: 615154



Jackie Nolan

Loan Officer


Experienced in lending, community banking and financial management, Jackie has the knowledge, skills and drives to help customers achieve their financial goals and dreams. She takes very seriously her customer’s goals and works closely with them to help them attain financial success. As president of the Spring Green Area Chamber of Commerce and a volunteer with the orgranization, Jackie enjoys connecting with the community through volunteer service.

Being an import to Wisconsin from the south suburbs of Chicago, Jackie moved to the Spring Green area for the peaceful atmosphere and beauty of the area. She most enjoys fall for the beautiful colors and can be found spending time on the river with her family in the summertime and baking, reading or just trying to stay warm in the wintertime. She’s also a history buff and a classic car enthusiast.



NMLS#: 474158




Dan Ravenscroft

Regional Vice President


Dan’s career in community banking began at the age of 12 when he mowed grass for his local hometown community bank! He later applied for a position inside a bank and began his lending career in 1999. Combined with his ability to develop trust, build positive relationships and make new connections, Dan’s objective is to provide an exceptional experience for each customer. A Zig Ziglar quote Dan lives by is, “honesty and integrity are absolutely essential for success in life – all areas of life,” which can be seen in his interactions with customers and colleagues.

Dan is highly involved in supporting his local community, having served in leadership positions in the local Lions Club, Community Development Authority, School Board, Rotary Club and Excellence in Education and Scholarship Fund. He continually seeks ways to develop new skills by actively contributing to industry associations including the Wisconsin Bankers Association, Independent Community Bankers of America and the Federal Home Loan Bank Mortgage Partnership Finance Advisory Council.  He earned his bachelor’s degree from UW-Eau Claire and is a graduate from the Graduate School of Banking.

When he’s not focused on serving customers and his community, Dan is a loving husband and devoted father of two boys. He enjoys hunting, fishing, hiking, running and playing sports with his boys and dedicates time to officiate high school basketball. He is a serious Wisconsin Badgers fan and can be found cheering on the Packers during the season.

NMLS#: 449569


Jon Reynolds

Jon Reynolds

Loan Officer


Jon hails from Potosi, WI where he currently resides. Growing up on his family’s dairy farm where he continues to help out, Jon stays up-to-date on the agriculture industry and has a unique understanding of the needs of local farmers and producers. Earning his degree in Agribusiness and Animal Science from UW-Platteville, Jon was an active member of the agriculture community on campus and has experience in seed sales.

When he's not helping customers, Jon can be found feeding his passion for agriculture by milking cows, planting crops, harvesting hay and harvesting crops on his family’s dairy farm. He also enjoys four-wheeling, camping, playing in local summer volleyball leagues and staying busy outside.

NMLS 1402569




Chris Rozeske

Market Manager


Chris began his community banking career in 2008 conducting loan reviews. Since that time, he has taken advantage of the many opportunities a banking career has to offer, including lending, compliance, IT and management.  His interest in lending came from his desire to help people and the community that he lives in. He strongly believes that there is always an opportunity to help someone through a situation - good or bad - or to be a part of making a dream a reality.

Chris is very active in the Viroqua community, including serving as board member and treasurer for Vernon Trails, Inc., spearheading the creation of Viroqua’s first disc golf course, working closely with the Viroqua Chamber of Commerce and is currently helping to establish the first dog park in Viroqua. He’s so active that he received the Volunteer of the Year award from VCMS in 2009!

Originally from Minnesota, he moved to Wisconsin for school and stuck around for the beauty, the people and – of course – the cheese. When he’s not busy volunteering, he enjoys spending time with his wife, Emily and their daughter, Lily. He’s also a talented cook and enjoys cheering on the Badgers and Packers. Chris has a passion for serving the Viroqua area and is eager to explore new opportunities to make the community a better place to live, work and play.

NMLS 1503966


Nancy Solberg

Nancy Solberg

Loan Officer


Having been in the banking industry since 1982 and lending since 1995, Nancy has a deep understanding of the financial services industry. She most enjoys building relationships with customers and helping people organize their finances to build a secure financial life. She has always enjoyed being involved with the community, having been a member of the local Habitat for Humanity, the Vernon County Housing Coalition and the Chamber.

When she’s not helping customers, Nancy’s summer weekends fill up fast with sports games and fishing with her five grandsons. In the winter months, she enjoys finding a warm place to scrapbook and can be found cheering on the green and gold year-round.

NMLS# 555870



Amy Splinter

Loan Officer


Amy began her community banking career in 1993 as a teller and continued to learn new skills to become a lender in 2000. She joined Royal Bank in 2001 when the bank’s Dickeyville office opened and specializes in real estate and consumer lending. She most enjoys making new connections with customers and helping their dreams come to fruition.

When she’s not working with customers, Amy enjoys watching her kids’ sporting events and cooking or baking in her kitchen. She most enjoys fall when she can admire the changing colors of the trees and look forward to her favorite holiday, Thanksgiving.

NMLS#: 529636



Jeri Weger

Senior Vice President


Jeri was offered the opportunity to join the community banking industry at a young age and attributes her beginnings to being in the right place at the right time. As an experienced lender, Jeri thrives on helping people improve their financial health and achieve their financial goals. Combined with her ability to foster positive relationships, her willingness to learn and her gift for developing trust, Jeri leaves a lasting impression on her customers and colleagues. She currently serves as senior vice president and branch manager at the bank’s New Lisbon branch.

A Wisconsin native, Jeri enjoys cheering on the Packers and rooting for the Badgers. Her passions include her faith, her family and working with her customers. She enjoys meeting and getting to know new people, vacationing to warmer destinations during the cold Wisconsin winters, exploring new places and reading. If you asked her family and friends, they’d tell you that she’s happy, honest and one of the most caring people you’ll meet.

NMLS#: 449567



Ryan Witt

Ag Loan Officer


Ryan began his agriculture career growing up on his family's dairy farm and quickly developed a deep interest in the agriculture industry. Upon graduating from Winona State University, Ryan began his ag lending career in the Kendall, Wis. area, gained experience with the United States Department of Agriculture Farm Service Agency and joined Royal Bank as an ag loan officer in 2012.

Ryan has always enjoyed volunteerism and giving back to his communities and has served as JV girls basketball coach at his alma mater, Royall High School, helping out at local school events and is strongly active in his church. Having grown up in Wisconsin, Ryan rarely misses an opportunity to cheer on the Packers, Badgers and Brewers.


NMLS#: 959510