At American Bank & Trust, you’re more than a number. Our team of financial experts offer a high quality of service and flexibility to meet the everchanging needs you may have in this fast-paced financial world. Our employees look to form deeper relationships with you through daily interactions to show you that doing business with AB&T is not like other banks. Many of our employees have grown up in the local communities, and we pride ourselves on serving our local neighbors by giving each customer the attention they deserve. American Bank & Trust is a community bank that offers creative freedom through impactful opportunities of financial expertise. We look for ways to say ‘yes’ to your needs, rather than searching for ways to say ‘no,’ like other banks might. Our local team of financial experts are here for you and your needs, and we look forward to showing you the difference that AB&T can make in your success.


Meet Brent Heinert – Aberdeen Regional President

"Our customers are our top priority. I look forward to assisting our clients with their financial needs and helping them achieve their goals."

My name is Brent Heinert, and I am a Regional President for American Bank & Trust.

I grew up on a farm near Delmont, SD, before attending Northern State University. While at NSU, I obtained my Finance degree with an Accounting minor. Outside of work you can find me playing golf, hunting, or spending time with my friends and family. My wife, Brenda, and I have three amazing children – Jake, Erynn, and Will.

I have been helping people achieve their financial goals with over 29 years of experience in the banking industry. My strategy to help you achieve your financial goals is a simple one, listen and try to fully understand your needs. At American Bank & Trust, we are a team of experts that have the experience and knowledge to help you navigate the business world. Whether you are new to business models or have years of experience, I invite you to see the difference that AB&T and I can make in the success of your operations.


Meet the rest of our AB&T Aberdeen Team.

Brady Haar

Personal Banker I
NMLS# 1532809
(605) 846-6801

Sandra Austerman

Universal Banker II
(605) 854-1878

Jeff Lee

VP, Ag Business Banker
NMLS# 473257
(605) 846-6791

Lance Vilhauer

VP, Ag Business Banker
NMLS# 473265
(605) 846-6795

Meet Don Churchill – De Smet, Iroquois, and Carthage Market President

"I like being able to provide exceptional products with excellent customer service."

I am Don Churchill, the Market President for American Bank & Trust in De Smet, Iroquois, and Carthage.

I grew up 40 miles south of Valentine, NE, on registered Charolais Ranch. I attended the University of Nebraska at Lincoln, NE. My wife, Melissa, and I have been blessed with 6 daughters and 7 grandchildren in our family. We enjoy travelling to see our grandkids in their sporting events.

Doing business with American Bank & Trust is a friendly and rewarding experience. You will receive outstanding banking products at competitive prices.  Our staff will greet you by name and help you accomplish your financial goals, both today and in the future.  We are available to meet with you daily and you have the comfort of knowing you can drop in anytime and get the assistance you need.


Meet the rest of our AB&T De Smet Team.

Meet the rest of our AB&T Iroquois Team.

Meet the rest of our AB&T Carthage Team.

"The best part of my job is building relationships and serving my local community."

Curt Eichacker

VP, Business Banker
(605) 854-3321
De Smet

"I thoroughly enjoy working with our customers and the positive environment at AB&T."

Susan Dillon

Ag Business Banker
(605) 772-4477

Tyson Decker

Ag Business Banker
(605) 353-2813

Meet Bob Goetz – Huron Market President

My name is Bob Goetz, and I’m a Market President & Regional Director of Insurance Services with American Bank & Trust.

I was born and raised in the small town of Java, SD. After high school, I attended South Dakota State University (SDSU). I graduated from SDSU in 1983 with a degree in Mechanized Agriculture. A few years later, I met my beautiful wife, Shelly, in Kimball, SD. We got married in 1993 and started a family with one daughter and one son. Both of our children also graduated from our alma mater, SDSU. Our daughter, Rachel, is now a P.A. in Watertown; and our son, Rob, is employed in the nutrition department at Egg Fresh and is expecting his first child with his wife, Anna. Outside of work, Shelly and I enjoy camping and travelling. It is our goal to visit all the National Parks. We have already visited 18 National Parks and have several more adventures to go.

American Bank & Trust has been a part of my life since 2019. Every day is an exciting challenge of aligning your financial goals with small achievable steps to help you accomplish your objectives. Our local team of financial experts is what really brings your success to fruition. We take the time and make sure you understand the options and alternatives to make the best-informed decision possible. We will stand by your side as your trusted advisors during the decision-making process. Together as a team, we can help you achieve your goals.


Meet the rest of our AB&T Huron Team.

"I enjoy building relationships and assisting customers accomplish their goals."

Ben Nelson

VP, Business & Consumer Banking Manager
(605) 353-2831

"One of the greatest rewards of my job is helping farmers run their operation successfully."

Bryan Van Scharrel

VP, Ag Business Banker
(605) 353-2829

"Buying, building, or refinancing? I can find a loan program that is right for you!"

Jamie Olson

Mortgage Loan Officer
NMLS# 1053922
(605) 353-2818

"I promise to provide you top notch service and innovative personal banking products."

Whitney McDonald

Customer Growth Officer
NMLS# 1632408
(605) 353-2835

Meet Rhonda Borchard – Mellette Market President

"I enjoy working with customers from surrounding communities and making a difference in their life!"

My name is Rhonda Borchard, and I am the Mellette Market President with American Bank and Trust.

I grew up in Mellette and attended Northwestern area school, attended Northern State University in Aberdeen where I obtained a Bachelor of Science degree with Accounting and Finance.  I started working at the bank (then named Farmers State Bank in Mellette) in 1983 as a teller while attending college full time.  I believe it was in 1991, FSB merged with American State Bank, now known as American Bank & Trust. I then moved through the ranks to become a lender in 1998 and then to Market President much later (not sure if it was in 2013 or later).  I will celebrate my 40-year anniversary on June 1st of this year.

I am married to Max Borchard, and we have two grown children, Ben Borchard and Betsey (Saven) Lechner.  They have given me 4 grandsons to adore and spoil.  We all live in Northville within a couple blocks from each other which allows for the boys to walk to grandma and papas house often.

Outside of work, Max and I like to garden and spend time with family and friends.  But our summers at spent at the Missouri River where we fish, relax, and stay at our home away from home.  I also love to read and bake in my off times.

My community means the world to me.  I have been involved with many organizations through my 40- year career.  I am currently treasurer of Mellette Legion Auxiliary, Secretary of Mellette Community Development Foundation and Auditor of Trinity Lutheran Church.  I am also a member of NW Strollers Relay for Life team.  Much of my extra time is spent volunteering with the many community events in the area.

I have always enjoyed helping people and seeing them succeed.  I love the challenge of helping someone start farming or a business.  I love seeing new couples move to the area and start a new life.  I love seeing our towns thrive with new businesses. I love to hear success stories from a customer.   I feel a sense of pride knowing that I can make a difference in someone’s life by helping them with their banking.


Meet the rest of our AB&T Mellette Team.

"Few things in life are more rewarding than helping my clients prepare, plan and execute a plan that results in financial success."

Jeff Grobe

VP, Ag Business Banker
NMLS# 178252
(605) 846-6794
Aberdeen / Mellette

"Let me help you find solutions to achieving your financial needs."

Audrey Ewalt

Personal Banker
NMLS# 1743903
(605) 887-3471

Meet Tim Bode – Miller Market President

"The best part of my job is helping customers to reach their financial goals."

My name is Tim Bode, and I am the Market President for American Bank and Trust in Miller, SD.

I grew up working in our family farm north of Mt Vernon.  After graduating from high school, I attended South Dakota State University where I majored in Agricultural Business and received a minor in Agronomy.  My first job after college was working for the bank at our Stickney location and that is where I met my we.  We have been blessed with 2 daughters that keep us very busy with a growing number of school functions, camping, golfing and other family activities.

My favorite part of working for American Bank and Trust has been working with customers to help them grow to meet their financial goals. I strive to provide value to my customers by listening to understand their financial needs using my expertise and resources to find a solution that is right for them.


Meet the rest of our AB&T Miller Team.

"Providing people helpful financial related info and seeing them leave my office satisfied with a smile on their face is what I’m here for."

Diane Goetz

Personal Banker
(605) 853-3051

Meet Austin Bernhard – Pierre Market President

"We have a teamwork culture that help us provide exceptional customer service."

Hi, I’m Austin Bernhard, and I am a Market President for American Bank & Trust in Pierre, SD.

I grew up in Sioux Falls and have had the privilege of living throughout the State to include Rapid City and now call Pierre home.  I have enjoyed the opportunity to meet many people across the State which has widen my horizon as I consider all of state part of my community for banking.

I completed my degree in Business Management at University of South Dakota while serving in the United States Coast Guard.  My time in Vermillion is where I met my wife, Jenny, and since getting married, we have been blessed with 3 beautiful children.  We are an outdoor family and depending on the season you may find me in the North Hills on a mountain bike, summertime on the lake, or chasing roosters behind the dog.

The last 8 years with AB&T have been fantastic, I have been able to first-hand participate in the growth of the bank which is exactly with what I enjoy most in my job.  I thrive on the excitement and energy of working with clients grow their business or the Ag family looking to expand.  I believe strongly in culture as a leader and try to find ways to make the banking experience fun for clients and staff.  I work hard to be a trusted source as your financial advisor wanting all customers who leaves a meeting or interaction to feel their time was of value and their Banker is an asset to their business.


Meet the rest of our AB&T Pierre Team.

"I enjoy providing customers financial products and tools that fit their needs."

Aimee Parsons

Branch Manager
NMLS# 1634464
(605) 494-3473

"I’m in the business of helping businesses accomplish their dreams."

Kim Easland

VP, Business Banker
(605) 945-3491

"I am here to help with your agribusiness needs."

Scott Word

VP, Ag Business Banker
(605) 945-3494

"I have always had a passion for my community and helping people. Now I get the opportunity to help those in my community accomplish the American Dream of owning a home!"

Shawn Lewis

Mortgage Loan Officer
NMLS# 2371320
(605) 494-3470

Meet Ryan Brown – Sioux Falls Market President

"We would be honored to have the opportunity to discuss the value we can deliver to you or your business."

My name is Ryan Brown, Market President in Sioux Falls. I joined the American Bank and Trust team in 2016 when we started a “De Novo” branch. It has been a great adventure and honor being a part of this bank’s growth and vision. I spent 10 years in Business Banking in Sioux Falls prior to joining AB&T.

I grew up in Watertown, SD and completed my education at the University of Nebraska – Lincoln, with a degree in Finance.  I married my high school sweetheart, Jamie, and we now have three school aged children, two boys and one girl. We also just added a mini golden doodle to the mix!

Outside of the office, I enjoy hunting big game as well as upland birds. I also spend quite a bit of my down time reading and playing guitar!

The best part of working here at AB&T is knowing that we can truly deliver on our service commitments to our customers, and we are empowered to meet all of our customer’s financial needs. We are able develop great relationships with our customers because of this, and genuinely provide a strong financial advisory experience for our customers. I also greatly enjoy interacting with all of the amazing team members we have here each day. Being part of a cohesive, energetic, and positive team is wonderful!


Meet the rest of our AB&T Sioux Falls Grand Prairie Team.

Meet the rest of our AB&T Sioux Falls River Centre Team.

Meet the rest of our AB&T Sioux Falls Sycamore Team.

Alisha Weeks

Branch Manager
NMLS# 2100868
(605) 961-3913
Sioux Falls - River Centre

“Home is where you feel secure & comfortable. Financing your home should feel the same way.”

Brad Spaans

Mortgage Loan Officer
NMLS# 1992283
(605) 679-9018
Sioux Falls - Loan Production Office

“I promise to provide you a great experience and modern banking products.”

Jamie Wassink

Personal Banker
NMLS# 2107267
(605) 961-3911
Sioux Falls - Grand Prairie

Tom Shields

Market President
(605) 679-9023
Sioux Falls - River Centre

Meet Allen Teel – Stickney Market President

"The best part of my job is developing lasting relationships with our customers."

My name is Allen Teel, and I am the Market President with American Bank & Trust in Stickney.

I grew up on the family ranch near Herrick, SD, and attended high school in Burke.  After graduating from high school, I obtained a degree in Business Administration from Northern State University.

I met my wife, Angie, in high school.  We have lived in Stickney since 1985 and our three children all graduated from Stickney High School.  We, also, have three grandchildren to enrich our lives.  When not working, I enjoy hunting, fishing, gardening, participating in church activities, and spending time with family & friends.

I have worked at the Bank in Stickney, since 1985, and we have been part of the American Bank & Trust family since 2018.  My favorite part of the job is working with our customers to help them achieve their financial goals and to make their life better.  Over the years, I have worked with some excellent bankers, farmers and businesspeople and I bring that wealth of experience to share with you.

Let me help you with your financial needs and I know you will have a rewarding banking experience.


Meet the rest of our AB&T Stickney Team.

"The best part of my job is building relationships with customers & assisting them to achieve their goals."

Tara Wieczorek

Ag Business Banker
(605) 656-5024

Meet Mike Paulson – Watertown Market President

"Our personalized customer service combined with innovative banking products is community banking at its finest."

My name is Mike Paulson, and I’m the Market President of American Bank & Trust in Watertown.

I grew up in Milbank and continued my education at Northern State University. My wife, Holly, is an elementary school teacher at the Watertown School District. We have 1 daughter, Kendall, and 2 sons, Kye and Logan. Outside of work, I love spending time with family and friends. Holly and I enjoy following our children around to their various activities.

I have been in the banking industry for 15 years, and in January of 2021 helped open the Watertown branch for American Bank & Trust.   Customer experience is our #1 priority at AB&T and that is very evident within every department of the bank.  The service we can provide is the result of everyone working towards our shared goal of putting the customers first.

I look forward to visiting with you and showing the difference that American Bank & Trust can make in your finances.


Meet the rest of our AB&T Watertown Team.

"I like to get to know each customer’s financial needs on a personal level and then exceed their expectations"

Brad Gauer

Business Development Officer
NMLS# 464894
(605) 868-5454

"Through tailored business banking products, I look forward to helping your business grow."

Eric Danforth

VP, Business Banker
NMLS# 1465340
(605) 868-5456

"I am dedicated to serving my clients and am committed to providing outstanding service."

Melanie Hodorff

Mortgage Loan Officer
NMLS# 465027
(605) 868-5457

"I understand the dynamic nature of the ag industry and am proud to provide financial solutions for area farmers."

Paul Moore

VP, Ag Business Banker
NMLS# 464895
(605) 868-5452

Meet Blake Willman – Wessington Springs Market President

"Being a trusted partner in helping people accomplish their goals is my passion."

My name is Blake Willman, and I am a Market President with American Bank and Trust in Wessington Springs.

I was born and raised in Wessington Springs, SD. After graduating from Wessington Springs High School, I obtained a degree in Ag Business with a minor in Accounting from South Dakota State University. Outside of work, I keep busy by volunteering for many local organizations in Wessington Springs. I also enjoy golfing, hunting, or cheering on the Wessington Springs Spartans, SDSU Jackrabbits, Minnesota Twins, or San Francisco 49ers.

I have been with AB&T since August of 2019, but have been in banking since 2015. I really enjoy building relationships with my customers and helping them achieve their financial goals. I strive to provide value to my customers by listening to understand their financial needs using my expertise and resources to find a solution that is right for them.


Meet the rest of our AB&T Wessington Springs Team.

"I enjoy providing my customers with banking products and personalized advice that helps them achieve their financial goals."

Kathy Wetzel

Personal Banker 
(605) 539-1222
Wessington Springs

Susan Tebay

Universal Banker
(605) 539-1222
Wessington Springs

Meet Jim Babcock – Wolsey Market President

"The best part of my job is helping our customers achieve their goals and dreams."

My name is Jim Babcock, and I am a Market President with American Bank & Trust.

I was born in Huron, SD, but spent most of my childhood in Southern Minnesota before moving back to my parent’s hometown of Wolsey when I was 15.  After graduation from Wolsey High School, I earned a Business Degree from Northern State College.

My wife, Sherry, and I have two grown sons and one granddaughter.  I enjoy spending time with my family, hunting, and fishing.

I have been with American Bank & Trust for 36 years, with the entire time spent in Wolsey starting as an insurance agent.  My greatest enjoyment is working with my Ag customers and helping them achieve their successes.   Being an Ag Lender with American Bank & Trust for 30 plus years has given me the opportunity to work with three generations of farmers.  During my carer I have seen best of times and some of the toughest times in Agriculture and I am here to let my experiences help you succeed.


Meet the rest of our AB&T Wolsey Team.

"AB&T is the definition of friendly, home-town banking."

Matthew Teel

Ag Business Banker
(605) 883-4112

Meet Doug Tuin – Worthington Market President

"Be positive, be polite, and help someone today."

My name is Doug Tuin, and I am the Market President in Worthington, MN.

I was born and raised in Pipestone, MN, and for the past 25 years I have lived in Fulda, MN, with my wife, Becky, and our two daughters. We have been blessed to have 4 grandchildren that we think the world of. In my spare time, I love to hunt, fish, watch dirt track racing, and I am the Minnesota Vikings #1 fan.

Two years ago, I joined the American Bank and Trust team. I believed in the pillars that the bank has established and the customer first mentality. I want every customer to feel that they are valued and that I have gone the extra mile for them. I really want the opportunity to earn your business and develop long term relationships.


Meet the rest of our AB&T Worthington Team.

"There’s so much out there calling your name. Let’s go for it!"

Joana Magana

Universal Banker
(507) 343-0600

"Our dedicated team will provide impeccable service that will help you achieve your financial dreams."

Julie Pater

Mortgage/Consumer Banking Manager
NMLS# 415574
(507) 343-0600

"I want each customer I talk with to feel valued and understood."

Laurie Waldner

Universal Banker
(507) 343-0600

"My goal is to help you achieve yours."

Tom Wilde

Ag Business Banker
NMLS# 291208
(507) 343-0600

About American Bank & Trust

American Bank & Trust is a locally owned and managed bank that is recognized for competent, professional, and friendly bank staff with unquestioned integrity. We deliver creative freedom to our customers through impactful opportunities that overlap an elite level of financial expertise with individuality and empowerment. Our growth strategy affords us the capacity to meet and serve all our customers’ financial needs and the financial products they desire in today’s fast-paced world.

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