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Officers & Directors


Executive Officers
Ray Hewitt Chairman of the Board
Mark Hewitt President & CEO
Paul Stevenson Executive Vice President/
Chief Credit Officer
Matt Ritter Sr. Vice President/
Chief Information Officer/
Bank Cashier                   
Senior Officers
Robin Bratvold Vice President Real Estate Lending
Sue Finnegan Vice President Teller Operations
Pat Goedken Vice President Ag/Commercial Banking
Kathi Kadolph Vice President Human Resources
Todd Kirkpatrick Vice President Commercial Banking
Deb McIntire Vice President Operations
Paula Petersburg Vice President/Trust Officer Trust
Gary Peterson Vice President Consumer Lending
Chip Thiedeman Vice President Real Estate/Consumer Lending
Marc Younge Vice President Ag/Commercial Banking
Mike Bahnsen Vice President Ag/Commercial Banking
Chris Deets Vice President Commercial Banking
Cheryl Kurtzleben Vice President Real Estate Lending
Chris Droscha Vice President Commercial Lending
Anne Flynn Vice President Trust
Joan Hanson AVP Commercial/Ag, Admin Support Commercial Banking
Joy Olson Ass't Vice President Consumer Lending
Diane Ostendorf Ass't Vice President New Accounts
Paula Zimmerman Ass't Vice President Mason City Office
Sarah Thein Assistant Cashier IT/Operations
Jean Mujica Personal Banking Officer Mason City Office
Sandy Whitehurst Consumer Lending Officer Consumer Lending
Sue Price Personal Banking Officer New Accounts
Tammy Orte Internal Audit Officer Audit & Accounting
Molly Watson Director-Marketing/Comm. Marketing & Communications
Natalie Plagge Commercial Banking Officer Commercial Banking
Amy Hogg Retail Banking Manager Retail Banking
Paula Spilman Personal Banking Officer Garner
Aimee Kern Human Resources Officer Human Resources
Kristin Davison  Compliance Officer Compliance


Ray Hewitt Chairman - Clear Lake Bank & Trust Co.
Mark Hewitt President/CEO - Clear Lake Bank & Trust Co.
Janet Connell-Lovell Owner - CL Tel
Stephen Doerfler President - Metalcraft Inc.
David Miller Retired - Tom Thumb
Dale Snyder Owner - Snyder Construction
Dennis Reidel CEO/CFO - Overhead Door Company of Mason City and Mid-West Roofing Company
William Yohn Owner - Yohn Ready Mix
David Zrostlik President - Stellar Industries

Officer Profiles

Ray V. Hewitt, Chairman of the Board

Ray Hewitt Chairman of the Board, Ray Hewitt, is a native of Clear Lake and returned to his hometown in 1973 from Waukesha, Wisconsin, where he served as president of the Marine National Bank. Upon his return, he held the position of president and CEO of Clear Lake Bank & Trust Company until 1998, when his son, Mark Hewitt, returned to Clear Lake and assumed this position. He was a member of the Clear Lake Rotary Club for 25 years and once served as president of the organization. For many years, has served on the Clear Lake Chamber of Commerce as well as the Clear Lake Economic Development Corporation.

Mark C. Hewitt, President & CEO

Mark Hewitt President & CEO Mark Hewitt started his banking career in 1985 and worked for two large regional banks prior to joining CLB&T. Hewitt is a graduate of the Kellogg Graduate School of Business at Northwestern University where he earned his MBA. He also holds a BS degree in finance from Drake University. Hewitt currently serves on the boards of the Federal Reserve Bank of Chicago, Mercy Medical Center North Iowa, and the North Iowa Corridor Economic Development Corporation. He is a past board member of United Way.

Paul K. Stevenson, Executive Vice President/Chief Credit Officer       

Paul Stevenson Paul Stevenson is the bank’s chief credit officer and is responsible for all lending activities of the bank. He also manages the bank’s commercial banking department and manages a sizeable commercial loan portfolio. Stevenson began his banking career in 1989 with a large multi-state bank holding company before joining CLB&T in 1997. He earned his BA degree in finance and banking from Buena Vista University and is a graduate of the Graduate School of Banking at the University of Colorado. Stevenson has been actively involved in the community serving on the boards of the Clear Lake Area Chamber of Commerce (past president), Clear Lake Economic Development Corporation, John Pappajohn Business & Entrepreneurial Center at NIACC, and the Clear Lake Revolving Loan Fund. He has also served on the Clear Lake Community School’s Board of Education and has been instrumental in ensuring the ongoing operation of Clear Lake’s historic Surf Ballroom.

Matthew J. Ritter, Sr. Vice President/Chief Information Officer/Bank Cashier

Matt Ritter is responsible for management of bank operations and technology. He has been a CLB&T employee since 1993. Ritter has his MBA from Drake University, BA degree in finance & banking from Buena Vista University, and AA degree from NIACC. He has also attended the BAI Graduate School of Bank Operations & Technology at Vanderbilt University and the Graduate School of Bank Investments & Financial Management at the University of South Carolina. He serves on the National User Group Board of Directors for Jack Henry & Associates. Ritter has also served on the board of the Clear Lake Public Library, the Clear Lake Public Library Foundation, and the NIACC Alumni Advisory Board.

Robin A. Bratvold, Vice President, Real Estate Lending

Robin B Officer Robin Bratvold began her banking career in 1974 and is the bank's expert in real estate lending. Bratvold attended Mankato State University and has also participated in numerous seminars and classes related to her field. She also is a part of the bank's compliance committee. Her community involvement includes working with the American Cancer Society, American Heart Association, and Clear Lake Rotary group.

Susan R. Finnegan, Vice President, Teller Operations

Sue Finnegan Sue Finnegan joined CLB&T in 1977 after attending North Iowa Area Community College and the University of Northern Iowa. Finnegan, a Clear Lake native, is a well-known face behind the teller line in the Clear Lake office. In addition to her teller management duties, she has also played an integral role in bank marketing and advertising as well as the ongoing operation of the bank's Clear Sailing "55" program. Finnegan is involved with the United Way Mentoring Program and she has also volunteered her time to act as the treasurer for local political campaigns.

Kathryn A. Kadolph, Vice President, Human Resources

Kathi Kadolph Kathi Kadolph is responsible for all aspects of the bank's human resources department including recruitment, employee benefits administration and staffing. In prior years, she assisted customers with real estate loans and new deposit accounts and was also an executive assistant to the bank president. Kadolph attended both Hamilton Business College and Mankato State University and is involved with Clear Lake Chamber of Commerce First Mates, United Way of North Central Iowa, American Heart Association, and Hancock County Relay for Life. Kadolph has been employed with CLB&T since 1979.

Todd M. Kirkpatrick, Vice President, Commercial Banking, Mason City Office

Todd Kirkpatrick Todd Kirkpatrick, vice president in the commercial banking department, is responsible for working with current and prospective commercial customers in the Mason City market. Todd's banking career extends back to 1990 and he joined CLB&T in 2007 when the bank opened its new Mason City Office.

Debra R. McIntire, Vice President, Operations

Deb McIntire Deb McIntire has been with CLB&T since 1979. She is responsible for all teller operations of the bank, including teller staffing, education/training, compliance, policies, and procedures. McIntire attended Hamilton Business College and was previously involved with the Clear Lake Athletic League, the CARES post-prom party, and the St. Patrick Church auction. She also volunteers her time to help several organizations with their betterment projects.

Paula J. Petersburg, Vice President, Trust Department

Paula Petersburg Paula Petersburg is the head of the CLB&T trust department. With over 25 years of experience in the bank trust industry, she serves our clients in the areas of estate planning, trust and estate administration and investment management.Petersburg is an attorney who earned her Juris Doctorate degree from the University of Iowa College of Law and her BA in history from Luther College. She serves the community through her involvement with the Clear Lake Rotary Club, Cerro Gordo County Community Foundation, and Clear Lake Arts Center.

Gary R. Peterson, Vice President, Consumer Lending

Gary Peterson A CLB&T employee since 1979, Gary Peterson is responsible for management of the bank's consumer loan department. In this capacity, Peterson works with a large number of the bank's customers underwriting auto loans, boat loans, personal watercraft loans, recreational vehicle loans, and vacation loans; home equity lines of credit; and home equity loans. He also works with several car dealers in North Iowa to provide affordable and responsible auto loans. Peterson earned his BS from Iowa State University and attended the Graduate School of Banking. He has been involved with a wide array of community organizations including United Way, Clear Lake Noon Lions Club, Clear Lake Youth League, North Iowa Cyclone Board, United Methodist Church and is a current board member of the Clear Lake Chamber of Commerce.

Gerald "Chip" Thiedeman, Vice President, Consumer/Real Estate Lending, Garner Office

Chip Thiedeman Chip Thiedeman has been with CLB&T's Garner Office since 1996. He is responsible for consumer deposit and loan customers in the Garner area, as well as heading real estate lending in Garner. Thiedeman has been involved with many North Iowa community organizations and activities, which include the Hancock County Memorial Hospital, Garner Chamber of Commerce & Vision Committee, Garner Area Betterment Association, Garner Lions Club, NIACC-Garner Education Center Advisory Board, and the Garner City Revolving Loan Fund Committee. He earned his BA from Iowa State University.

Marcus R. Younge, Vice President, Ag/Commercial Lending

Marc Younge Marc Younge, vice president, works closely with the bank's commercial and agricultural loan customers to ensure their financing needs are met to ensure a successful and well maintained operation. A CLB&T employee since 2005 and a banker since 1995, Younge earned his BS in management & finance from Drake University and attended the Iowa Commercial Lending School. He currently serves as treasurer on the Opportunity Village Board of Directors, Elder at Redeemer Lutheran Church and Iowa Cattleman's Association Board of Directors. Younge is a past president of the Ventura School Foundation Board, Congregational Chairman of Redeemer Lutheran Church, and Clear Lake Chamber board member. He has also been involved with Cerro Gordo County 4-H, Cerro Gordo County Cattleman Association, and Ventura Betterment Committee.

Patrick C. Goedken, Vice President, Agricultural and Commercial Banking/Mason City Market Manager

Pat Goedken Pat Goedken, vice president of agricultural and commercial banking, joined CLB&T in April 2010. Pat is a graduate of Iowa State University with a bachelor of science in ag business. Pat has more than twenty years of ag and commercial banking experience across North Iowa. He currently serves as a United Way volunteer and YMCA volunteer, is active in Epiphany Parish and serves on the ag committee for the Mason City Chamber of Commerce.

Paula J. Zimmerman, Assistant Vice President, Retail Banking Officer

Paula Zimmerman Paula Zimmerman, assistant vice president, joined CLB&T in 2007 as the bank's new office in Mason City neared completion. Zimmerman began her career in banking in 1980 and attended North Iowa Area Community College. Today, she works with new and existing bank customers in Mason City to assist them with their deposit and loan needs. She has been involved with Sunrise Rotary Club of Mason City; Good Shepherd Board of Directors, board secretary at Trinity Lutheran Church; past member of the North Iowa Band Festival committee. Currently, she serves as a United Way volunteer and ambassador for the Mason City Chamber of Commerce.

Christopher J. Deets, Vice President, Commercial Banking

Chris Deets Chris Deets, vice president, works with commercial banking customers and also is responsible for merchant card processing.  A CLB&T employee since 2006 and banker since 1999, Deets earned his AA from NIACC and his BA in finance from the University of Northern Iowa.  He was the treasurer of the Mason City Chamber of Commerce, and is currently treasurer of Meals on Wheels in Mason City as well as treasurer of Mason City Youth Baseball Association. He was also past president of Mason City Youth Baseball Association.

Joan M. Hanson, AVP Commercial/Ag Banking, Administrative Support

Joan Hanson Joan M. Hanson, assistant vice president, works in the Clear Lake office to support the agriculture and commercial department. A CLB&T employee since 1992, Hanson earned her AA from NIACC and a BA in finance and banking with a minor in sociology from Buena Vista University. She is involved with the American Cancer Society Relay For Life of Hancock County as a committee member and team captain; the Garner Asset Project (GAP), serving as a coalition member and a member of the executive committee; Garner-Hayfield Community School Vocational Advisory Committee; Garner-Hayfield Education Foundation Board; Garner Education Center Operations Board and the RSVP Advisory Council.

Joy M. Olson, Assistant Vice President, Consumer Lending

Joy Olson Joy has been employed with CLB&T June of 1989. Her consumer lending responsibilities include working with individuals requiring auto, boat, home equity and home equity line of credit loans. Olson works closely with the bank’s Clear Sailing “55” Club by making all of the club trip and seminar arrangements, writing the club’s newsletter and speaking at the club’s monthly “Movie Day.” She has a BA from the University of Northern Iowa in social work and has attended the Iowa Banker’s Consumer Lending School. Joy’s community involvement includes 2012 C.A.R.E.S. treasurer, varsity basketball parent representative and Meals on Wheels volunteer.

Diane L. Ostendorf, Assistant Vice President, New Accounts/IRA Specialist

Diane Ostendorf Diane Ostendorf attended Iowa Central Community College and has attended many classes and seminars related to  banking. She began her banking career in 1979 and joined CLB&T in 1989. Ostendorf is responsible for opening new accounts and is the bank's IRA specialist.  She is vice president of the Clear Lake Dixiefest Board, a mentor for Opportunity Village residents, a United Way volunteer, and donates her time to the American Cancer Society. She is a past member of Chamber First Mates, Hospice Volunteers, and the United Church of Christ Board of Trustees.

Sarah K. Thein, Assistant Cashier, IT/Operations

Sarah Thein Sarah has been employed with CLB&T since June of 1999. Her responsibilities as assistant cashier IT/operations include providing technology support to all three locations of Clear Lake Bank & Trust, working with the bank’s Internet banking and bill pay product as well as helping the customer service department in Clear Lake. Sarah earned a BA in finance from Wartburg College as well as an AA from NIACC. She is also actively taking online technology courses. Her community involvement includes serving as the treasurer of the Ventura Congregate Meals, United Way Day of Caring, and Meals on Wheels. In the fall you will find Sarah officiating high school volleyball.


Jean Mujica, Personal Banking Officer, Mason City Office

Jean Mujica Jean Mujica joined CLB&T with 23 years of banking experience. She is mainly responsible for loan support to Todd and Pat in the Commercial and Ag banking department. Mujica attended Hamilton Business College and is involved in Kiwanis Club. She was previously involved with the Mason City Youth Task Force, United Way of North Central Iowa, and Newman Catholic Booster Club.

Sue Price, Personal Banking Officer, New Accounts

Sue Price A Clear Lake native, Sue Price has been a member of the CLB&T team since 1998. Whether you are looking to open a new account, purchase a CD/IRA or have any questions about our products or services, she can assist you with all of your personal banking needs. Sue serves as the executive assistant to the bank president and chairman of the board. She is a graduate of Hamilton Business College. She has been a volunteer for the United Way Day of Caring and Meals on Wheels.

Sandy Whitehurst, Consumer Lending Officer, Consumer Lending

Sandy Whitehurst Sandra Whitehurst began her career after graduating from North Iowa Area Community College. She has been in the consumer lending department for 15 years, most recently adding lending responsibilities to her scope of work. She serves the community through her involvement as treasurer of Clear Lake Lion’s Pride, Meals on Wheel’s, Community Kitchen, and the United Way of North Iowa.

Tammy Orte, Internal Audit Officer, Accounting & Audit

Tammy Orte Tammy Orte is the bank's internal audit officer and has been with CLB&T since July 2006. Tammy is responsible for audit and accounting activities of the bank and also serves as the bank's compliance chair person. Tammy earned her BA in accounting from Monmouth College in Monmouth Illinois and an AA from Carl Sandburg College in Galesburg Illinois. She is involved in Clear Lake Noon Rotary, Daughters of the American Revolution, and serves on the Clear Lake Library Foundation Board and the Friends of the Library Board.

Molly J. Watson, Director of Marketing & Communications

Molly Watson Molly Watson joined CLB&T in September 2008 as the bank's marketing officer. In her role, Molly develops and implements CLB&T's marketing, advertising, and promotional initiatives. She is a graduate of the University of Northern Iowa with a BA in public relations. Molly has served as a volunteer for Bridges Mentoring, American Heart Association, Crisis Intervention,  Parents United Board of Directors and Clear Lake Arts Center. She currently serves on the MacNider Art Museum's Board of Directors, Mason City Family YMCA's Partner of Youth Campaign and United Way's annual fundraising campaign. Molly is a member of the Iowa Banker's Association's marketing committee.

Natalie J. Plagge, Commercial Banking Officer

Natalie Meyer A graduate of the University of Northern Iowa with a BA in finance & real estate, Natalie Plagge joined CLB&T in May of 2010. Prior to becoming a commercial banking officer at CLB&T, Natalie worked for three years as a commercial loan officer in Louisville, Kentucky. Natalie has attended the Risk Management Association's Lending Academy, Kentucky Bankers Association's Commercial Lending School and Iowa Bankers Association's Iowa School of Banking. She is involved in the Clear Lake Chamber of Commerce First Mates and the Clear Lake Jaycees.

 Amy Hogg, Retail Banking Manager

A graduate of Buena Vista University with a BA in business management/human resources, Amy joined Clear Lake Bank & Trust Company in 2006 as a personal banker and commercial/ag banking assistant. In 2012 she was promoted to Retail Banking Manger and is responsible for the training and Sales efforts of deposit retail banking staff. She graduated from the Iowa Bankers Association (IBA) Bank Leadership Institute in June of 2013. Amy is actively involved with Meals on Wheels and United Way of North Central Iowa, having served as a panel member for United Way's Citizens Review/Community Impact Team. She is a past Clear Lake Chamber First Mate and Leadership of North Iowa participant. Amy currently serves on the Clear Lake Parks and Recreation Board of Directors.

Paula Spilman, Personal Banking Officer

Paula Spilman

Joining CLB&T in 2006 as a teller and new account representative in Clear Lake, Paula offers more than 15 years of experience in her new position. In the summer of 2012, Paula relocated to Garner and serves as the Garner office's personal banking expert.

Outside of the office, Paula can be seen cheering on the new GHV sports teams throughout the school year and currently serves as a mentor for YIELD.

Mike Bahnsen, Vice President, Agricultural and Commercial Banking, Garner Office Manager

Mike Bahnsen

Mike Bahnsen is  Vice President Commerical/Ag Banking and manages the Garner Office. Bahnsen was raised on a farm in southern Cerro Gordo County. He has 10 years of banking experience. Bahnsen holds a BS degree in Agricultural Business from Iowa State University, and is a graduate of Iowa School of Banking and Commercial Lending Institute.

Bahnsen is very active in the Garner community through volunteerism. He also serves on many boards and committees all in the Garner community. He is a part of the Hancock County Economic Development, and is the treasurer for the Garner Rotary Club.

Aimee Kern, Human Resources Officer

Aimee Kern

A native of Clear Lake, Aimee joined Clear Lake Bank and Trust in 2012 as our human resources officer. She is a graduate of NIACC with an associate's degree in business, Drake University with a bachelor of science in business administration, and Ashford University with a master’s in business administration. Prior to joining CLB&T, Aimee was employed with Mercy Medical Center – North Iowa in human resources. Aimee is PHR (Professional in Human Resources) certified.

She has served on the Girl Scouts of Greater Iowa's Board of Directors and was co-chair for the North Iowa Diversity Appreciation Team.

Aimee continues to be involved as a United Way Board Member and volunteer, Cub Scouts Den Leader, and member of Human Resources Association of North Iowa.

Cheryl Kurtzleben, Vice President, Real Estate Lending

Cheryl Kurtzleben

Cheryl Kurtzleben joined Clear Lake Bank and Trust in August 2013 as vice president of real estate lending in the Mason City office.  A native of Forest City, Cheryl is a graduate of Waldorf College and has worked in North Iowa for the past 16 years in banking and mortgage loan origination.

Cheryl has served as an executive officer on United Way of North Central Iowa’s Board of Directors and is a local advisory board member for Consumer Credit Counseling of NE Iowa.

Chris Droscha, Vice President, Commercial Lending

Chris Droscha

Chris received his bachelors degree from Michigan State University and has worked in banking for 25 years. He joined CLB&T in October 2013. He is active in Kiwanis, Mason City Youth Task Force Mentor Program and River City Barbershop Chorus. He lives with his wife Jeanie and their dog, Bailey.

Anne Flynn, Vice President/Trust Officer

Anne Flynn A graduate of Sioux Falls College, Augustana College and the Cannon Financial Institute, Anne joined CLB&T in October 2013 with 29 years of trust experience. She is the past president and current member of Good Shepherd Care Center Board of Directors; past president and current member of the Mercy Medical Center Foundation; member of the Mason City Zoning Board of Adjustments; member of Wright on the Park finance committee; and member of Mercy Medical Center-North Iowa finance committee. Anne and her husband, Doug, have two grown children and reside in Mason City.

Kristin Davison, Compliance Officer 


Kristin Davison has been employed with CLB&T since 2010, serving as the bank's compliance coordinator. In 2014, Kristin was promoted to compliance officer, where she is responsible for compliance management. Kristin is a graduate of Drake University and resides in Garner with her husband, Collin, and their two children.