Heartland News – Spring 2014

Welcome to Heartland Bank

We're glad you are here!

Photo of Heartland Bank Sign

We are pleased to now be serving your financial needs as Heartland Bank! While we will always respect and remember the legacies of the State Bank of Riverdale and Geneva State Bank, we are now focused on serving our customers and communities in the best way possible going forward.

I’d like to welcome all of the State Bank of Riverdale customers to our Heartland Bank family. We are committed to providing each and every one of you with the best possible customer experience. We are also very pleased to have the State Bank of Riverdale associates join our Heartland Bank team. Together, our banking teams will be able to bring you more services, capabilities, and expertise than ever before. We have already seen a number of cases where our associates have worked together to provide customer solutions that in the past each bank independently could not have provided.

I would like to personally thank all of our associates for their hard work in merging the two banks. Their tireless efforts have helped to ensure a smooth transition for our customers as we merged the two banks. We could not have completed this merger without the commitment and dedication of our talented associates.

I would also like to thank each of our customers for your patience as we have combined banking teams, products, systems, and networks to form Heartland Bank. We are more committed than ever to support the communities we serve in both time and financial support. Our vision is to improve the lives of our customers, associates, and the communities we serve.

With this merger, we have expanded our capabilities, while still maintaining our strong community and customer focus. As a customer of Heartland Bank, you will now benefit from:

  • Additional branch locations and ATMs
  • Broader Trust, Investment, and Insurance offerings
  • Ability to carry larger loan balances for our larger loan customers
  • Improved technology solutions, to make banking with us as easy as possible (We plan to announce some exciting online/mobile services this summer!)

We’re excited about the future of Heartland Bank and our ability to continue to provide a great customer experience for you. Please stop into one of our locations for a cup of coffee and friendly conversation.

Be sure to also check out the accompanying video to this article above. It’s our special way of welcoming you to your new bank. Thanks for banking with us!


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Two-Piece Suits and Cowboy Boots

For Financial Advisor Tyler Daly, his primary passion is helping customers prepare for their financial future. Outside the Investment Center however, Tyler trades in his suit jacket for a pair of boots and a cowboy hat.

For many Nebraskans, the start of summer means baseball, softball, backyard barbecues, or just spending time outdoors in the garden. But for one Heartland Bank employee, summertime means just one thing: rodeo.

“I’ve been roping since I was old enough to walk and I’ve been rodeoing competitively just about that long,” says Tyler Daly, a Financial Advisor for Heartland Bank. When he’s not in his office or spending time with his wife Rachel and their 10-month-old daughter Camilla, you can find Tyler on his horse, rope in hand, practicing one of his favorite events: team roping.

“This has been a passion of mine for a long time.” For two years after high school, Tyler attended Chadron State College, where he was on the rodeo team. He then transferred to the University of Nebraska, where he competed in rodeo events and acquired a degree in Agri-Business. “We had a lot of fun times in college rodeo. We traveled all over the place for rodeos, even as far as Wisconsin.”

After graduating from college, Tyler gained exposure to the financial services industry at First National Bank. From there he worked for Morgan Stanley, honing his interest in financial advising and becoming fully certified as a Financial Advisor. He joined Heartland Bank as a Financial Advisor through Raymond James and Associates in 2009 and helps the bank’s customers with IRAs, 401(K) plans, investments, as well as savings plans for retirement and education.

Tyler is quick to tell you that he loves his job, but team roping has also been a strong passion of his. “I compete in rodeos and jackpots all across the state. I have some good buddies, and we all see each other at the rodeo.” Last year, Tyler qualified for the World Series of Team Roping in Las Vegas, Nevada. The grand prize was $125,000 for each roper. “We fell short of the grand prize, but it was a neat experience just to be able to be there.”

When it’s too cold to be out on his horse, Tyler can usually be found on a basketball court, refereeing one of the approximately 70 games he officiates each season. “I began reffing when I lived in Lincoln. It started with junior high and lots of early Saturday mornings,” he explains. “Then, when I moved to Geneva, I began reffing high school games. I’ve been able to continue that in Kearney, which I love.”

At the end of the day, many of Tyler’s hobbies and interests have a common denominator: his competitive spirit. “I’m really competitive. That’s why my two biggest hobbies are in a competitive atmosphere. I just think it helps to maintain that competitive edge and I think it helps me to stay sharp in my business.” As far as the grand prize in Vegas goes, Tyler said, “Of course, we hope to have another shot at it in the future.”

Photos: (First Photo Above) Tyler competes with Dustin Ostrum at the World Series of Team Roping Finals in Las Vegas, NV. (Second Photo Above) Tyler competes at the World Series of Team Roping Finals at Southpointe Casino in Las Vegas, NV. (Third Photo Above) Tyler officiates the South Loop v. Ansley/Litchfield Women’s District Basketball Game.


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Who is Fannie Mae?

You might have heard the name in the media, but what does this company really do and how does it affect mortgage loans?

Have you ever wondered who Fannie Mae is? The name might remind you of that distant aunt of yours who knits those odd sweaters or maybe it’s the grandmother who bakes your favorite batch of cookies every year on your birthday.

The Federal National Mortgage Association, or Fannie Mae, is a government-sponsored enterprise (GSE). Fannie Mae is very involved in the mortgage market but does not operate or make loans directly to consumers. Instead, Fannie Mae operates in the secondary-mortgage market by purchasing mortgage loans from lenders. The U.S. Congress created GSEs to work with the federal government on behalf of American consumers.

Fannie Mae’s “little brother” is Freddie Mac. Fannie Mae and Freddie Mac together purchase or guarantee between 40-60% of all mortgages originated in the United States annually, depending upon market conditions and consumer trend. It is very likely that if you have a mortgage loan, it is a Fannie Mae backed mortgage loan.

For lenders, mortgage loans tie up funds for years until the borrowers pay off the loans. By selling these loans to Fannie Mae, lenders increase the amount of funds they have available to make new loans. Having more funds available for new loans keeps the cost of borrowing low, making buying a home more affordable for American consumers.

There are countless families that have benefited from the mortgage loan programs that Fannie Mae has offered. The greatest benefit to you, the consumer, is today’s historically low interest rates for loans ranging from 10-30 years.

Many of the homes we finance are in fact supported by Fannie Mae’s secondary market, which allows us to offer the best interest rates. Heartland Bank offers a full range of mortgage products to serve all your mortgage needs. Give us a call today and we can help you find the right loan that fits your needs.


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3 Helpful Tips for Mobile Banking

  1. Sign up right from your smartphone: If you’re an online banking user, you can now sign up for mobile banking directly from your smartphone. Just search your phone’s app store for our “TouchBanking” app. Once downloaded, use the app code “BankMobile” to enroll.
  2. Log multiple phones into one account: If you share an account with a spouse or family member, you both can download and access your account with the Mobile Banking App. Just follow the instruction in Tip #1. Both devices will use the same Access ID and password for the account.
  3. Set a lock code on your phone: Although you might think it’s annoying to unlock your phone every time you use it, this is the digital equivalent of leaving your home or car unlocked. Take the time and set a simple 4 digit pass code or directional swipe code, depending on your device. New phones such as the iPhone 5S and Galaxy S5 make this process even easier by adding a built in finger print sensor to the phone. 

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New Name, Same Great Team!

We are pleased to announce that our trust department will now be operating as Heartland Trust Company, a division of Heartland Bank. The new name is one of many changes aimed at helping our trust department grow.

Pictured Above: (from left to right) Trust Officer Lucas Swartzendruber, Trust Assistant Heather Rippe-Behmerwohld, Trust Administrator Caitlyn James, and Trust Officer Aaron Schardt.

Caitlyn James was hired as a Trust Administrator in September of 2013. According to Vice President and Trust Officer Lucas Swartzendruber, “Caitlyn has brought a level of expertise in tax and trust administration to the Heartland Trust Company that is rarely offered in a community bank setting. We are very excited Caitlyn has joined our team and look forward to applying her skills to solve our customer’s wealth management goals.”

Caitlyn was raised in Denver, Colorado. After completing high school, Caitlyn attended Drake University in Des Moines, Iowa where she received her Bachelor’s Degree in accounting and finance. Following completion of her undergraduate education, Caitlyn enrolled in the University of Nebraska College of Law. During law school, Caitlyn focused her coursework on estate planning and business transactions, winning the coveted CALI Award for Future Excellence in Wills and Trusts, and ultimately receiving her Juris Doctor degree with honors in 2013. Caitlyn joined the Heartland Trust Company in September of 2013. In this role, Caitlyn oversees investments, makes trust distributions, and handles tax and accounting matters. Caitlyn is a member of the Nebraska State Bar Association.

At the end of 2013, Evelyn Volkmer formerly retired. Evelyn’s years of service to the trust department helped to build a strong foundation upon which we have been able to continue growing the trust department.

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New Employees & Locations

With acquisition and merger of the State Bank of Riverdale, there were a number of additional staff added to the Heartland Bank team.

We have also added two branches and two loan production offices to our network of Heartland Bank locations.

Kearney North Branch
Phone: (308) 238-0514
Address: 212 E 56th Street
P.O. Box 3229
Kearney, NE 68848

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Kearney North Photo 
Riverdale Branch
Phone: (308) 893-2351
Address:222 3rd Avenue
P.O. Box 7
Riverdale, NE 68870

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Riverdale Photo
Burwell Loan Production Office
Phone: (308) 346-4420
Address: 46800 823rd Road
P.O. Box 488
Burwell, NE 68823

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Burwell Photo
Ord Loan Production Office
Phone: 308) 728-7676
Address: 1624 M. Street
P.O. Box 266
Ord, NE 68862

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Ord Photo

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Nebraska Baseball; History, Tradition, & Passion

For Heartland Bank customer Larry Bornschlegl, baseball has been a lifelong passion. After years of teaching and playing the game, he’s helping the Nebraska Baseball Hall of Fame keep the history and tradition alive for Nebraskans all across the state.

Baseball has a rich and humble history in Nebraska. At its peak, dozens of semi-professional baseball teams made their homes in small towns all across the state, most of which were comprised of local men and boys who practiced on farms and traveled on the weekends to play each other. For Heartland Bank customer Larry Bornschlegl, the history of baseball in Nebraska is an important part of this state’s culture.

“I was born in Ohiowa, Nebraska,” Larry says. “Most people don’t remember where that’s at anymore,” he adds with a chuckle. He attended school at Ohiowa until the ninth grade, when he says his only classmate at the time decided to quit to work on his father’s farm. After that, Larry’s family moved to Geneva, the “Big City,” where he became involved in the music and athletic programs and was active on the baseball and basketball teams.

After graduating from high school, Larry attended the University of Nebraska at Lincoln on a basketball scholarship. “I played that round ball a bit. I loved basketball and I loved baseball,” Larry remembers fondly. He played on both teams for the university and was selected as a starter for the basketball team in his freshman year. As he got older, he became an assistant coach for the freshman basketball players and was selected twice as Most Valuable Player for the baseball team.

Following in his mother’s footsteps, Larry completed an education degree at the university and found work as a Biology and Physical Education teacher, first at David City Aquinas, where he coached the school’s basketball and track teams, and then at Omaha Holy Name. Upon completing a specialist degree in Educational Administration, Larry served as Principal of Genoa High School 9 years before becoming Principal at Fairbury High School, a job he held “forever and ever.”

Eventually, an opportunity fell into his lap to become Principal of what was then Hastings Junior High School. “I had done some research on middle schools for my specialist degree, and middle school education really tripped my trigger. So, they convinced me that I should come to Hastings and change the Junior High to a Middle School. Totally different philosophy.” Within three years of his arrival, Larry and his team of administrators and teachers transformed the school, introducing a “setting of teeming collaboration among teachers and students.”

After his retirement, Larry became more heavily involved with the Nebraska Baseball Hall of Fame, which was established in 1971 by Bob Prokop of Wilbur, Nebraska, to “Recognize and honor baseball players, not necessarily those people that made it to the Major Leagues, but baseball players that had been outstanding at the local level-- the small-time, small town Nebraska players.” Today, over 150 players, coaches, and managers have been inducted into the Nebraska Baseball Hall of Fame. Larry, himself, was inducted into the Hall of Fame in 1980, just four years after his father, Jake Bornschlegl, was inducted. They remain the only father-son pair in the Hall.

Despite the magnitude of the Hall of Fame and its importance to Nebraska history, it did not find a permanent home until 2009, when Mary and Darrell Johnsen offered space at Aunt Mary’s Cafe´, a restaurant and reception hall in Beatrice. “We went and checked out the space and thought, ‘Yep, this looks like it’ll suit us just fine,’” Larry says. “We set up the Hall at Aunt Mary’s, and interest in the Hall of Fame went straight through the roof.”

Today, the Nebraska Baseball Hall of Fame enjoys a well established home at Aunt Mary’s. A photograph and a description hangs in the Hall for nearly every member ever inducted. The organization now generates a regular newsletter and holds an annual banquet to honor each year’s inductees. The organization also makes an annual $500 gift to the American Cancer Association and awards a $500 scholarship to a Nebraska senior who intends to play collegiate baseball. “It’s not just take-take for the Hall of Fame. We try to give back—recognition for the old timers, money to the cancer association, scholarships to the young people.”

When he is not busy with the Hall of Fame or one of his many hobbies, Larry enjoys getting to relax with his family, which includes his wife, Shirley, two children, and four grandchildren. The couple will celebrate their 50th year of marriage later this year.

In the end, Larry says, his passion for baseball can be summed up in a quote from former MLB player Jim Boutin, which says, “You see, you spend a good piece of your life gripping a baseball; and in the end it turns out that it was the other way around all the time.”

The Nebraska Baseball Hall of Fame is located inside Aunt Mary’s Restaurant in Beatrice, Nebraska. It is open daily from 7:00 AM – 9:00 PM and is free of charge. To nominate someone for induction into the Hall of Fame or to learn more about the Hall, visit nebaseballhof.org or email lbornschl@yahoo.com.


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Serena Bohling Joins Our Geneva Branch Team

Serena Bohling joined the Geneva teller team in February of 2014. Jan Stoldorf, Geneva Branch President, commented on the hiring of Serena, “She brings a unique blend of energy and liveliness to our front line staff, as she thoroughly enjoys customer interaction. We’re excited to have her join our team. Her versatility and eagerness to help will be a great addition to the bank.”

Serena comes to Heartland Bank from Kensington Assisted Living, where she worked as a CNA/Medication Aide for close to two years. Of course, what she enjoyed most about that job was working with the elderly. Serena spent her childhood traveling the states with her family and eventually settled in Geneva where she graduated from Fillmore Central High School in 2006. Serena graduated with an Associates of Arts degree from Central Community College in Hastings, and intends to continue her education in the fall.

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Keeping Pace; Mile After Mile

Since 1980, Heartland Bank customer Brian Bergt has run over 30 marathons across the United States. For the first time since 1990, Bergt recently completed the Boston Marathon, something he says he will never forget.

36,000 runners, 10,000 volunteers, and over one million spectators. This was the sight at the 2014 Boston Marathon. Just one year after the tragic bombing that killed and injured dozens at last year’s marathon, runners and their supporters turned out in record numbers to show their support for the city of Boston and this very special race.

Among the runners this year was Heartland Bank customer Brian Bergt, racing in his second Boston Marathon. “I had planned on running last year, but I didn’t pay close attention to the entry criteria,” he says. “The entry was only open for about seven days, and when I went to register, I realized my qualifying time had expired, so I wasn’t able to get registered.”

After missing the sign-up, Brian committed himself to running in the 2014 marathon. “I missed the date for 2013, so I had planned on running it this year, anyway. Then, after the bombing, I wasn’t sure if I wanted to go at all. I finally decided it would be a good one to run this year because everyone else was going to want to run it this year.”

But it wasn’t all smooth sailing. Just three days after purchasing airline tickets to fly to Boston, Brian broke the fifth metatarsal in one of his feet and couldn’t run for almost 10 weeks. Despite the fact that his foot hadn’t completely healed, Brian chose to run the marathon anyway. “The last three miles were pretty painful, so I was just trying to get to the finish line. I was really worried about my foot, so I was concentrating on where my feet were landing, trying not to hit a pothole. The crowd was so supportive.”

The crowd, he says, was one of the biggest parts of the event. “I couldn’t believe all the people who showed up. They all had signs and encouraging words as we ran past. What you see the whole way is kids reaching their hands out, wanting runners to slap their hands, and I wish I could have done more of that. There was a real sense of pride and excitement among the racers and the crowd.” Security was also a big part of the race, he says. “There was a lot of security. My wife had to have her purse checked and anybody who was carrying a bag had to have it checked. When we were getting ready to start the race, I looked up on the rooftops and there were guys wearing camo gear and looking in binoculars. I don’t think I ever went more than a quarter mile without seeing a cop along the course. And as you got closer to Boston, there was a cop at least every 100 yards.”

Looking back on the race, Brian says, “I’m glad I went. I was pretty disappointed with my time, but it was a good experience just seeing the crowd and the huge support for the city of Boston and the runners who lost their lives last year.”

Now that he’s back at home, Brian is busy taking care of his hogs and is back to running every day. “I try to run every day. The first marathon I ever ran was in the spring of 1980. I started keeping a running log on January 1st, 1980, and I’ve ran over 66,000 miles since then.”


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A New Home for a Special New Family

For Heartland Bank customer James Martin, his first time home loan was an extra special event. Not only is James now a proud home owner, he is also engaged to marry Brendell Studnicka. To pull off a home loan closing and proposal, James enlisted the help of his Heartland Bank Mortgage Lender, Jan Stoldorf.

“James had a special key chain inscribed with the words ‘Will You Marry Me’ on it”, said Jan Stoldorf. “At the end of their home closing, I gave James the keys to their new home along with the engraved key chain. James then knelt down on one knee and proposed to Brendell. I was very honored to be part of such a special moment in both of their lives.”

After the proposal, James had only good things to say about his experience, “Thank you so much Jan, for all of your help through this whole crazy process. I can’t imagine going through the home buying process with anyone but you. Your customer service was by far the best I have experienced. You are a wonderful lady and I hope to keep in touch with you. Thank you so much!”

The entire Heartland Bank family would like to congratulate James and Brendell on their engagement!

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Ambassador Club News

Thanks for all of the Memories!

As I have been looking back over my 25 year tenure as your Ambassador Club Director, it brings back so many wonderful memories of good times and better yet, good friends. It has been one of the greatest pleasures of my life to be part of this fantastic club. Hugh Wilkins’ dream 25 years ago was to have a club that would provide people with opportunities to travel, socialize and have something to look forward to. Dreams have been fulfilled and memories have been made. I am so grateful to Hugh and to all of you for trusting me and allowing me to serve you for 25 years. My retirement party is also the Ambassador Club’s 25th anniversary party on June 12. You are all invited to attend. My official date of retirement is July 31, but I wanted the party to be with all of the people I have come to know so well.

There is a saying that all good things must come to an end. This is not an end for me and certainly not for the Ambassador Club. It is just time to turn over the reins to my very capable assistant, Sheila Smith, who has been working with me for the past 9 years. Sheila has been my right hand and will do a great job. We have also added a director in the Western Region Banks. (Kearney, Riverdale, Ord and Burwell). Lois Ryan, who has been the head teller for the Bank of Riverdale in Kearney, has accepted the position of Ambassador Club Associate. Julie Dodson continues to coordinate the Hastings events.

It is a new era for the Ambassador Club. The name Heartland Bank fits right in with the Ambassador Club being the heart of our customers. I want to thank you from the bottom of my heart for being the great group of people you are. Thanks for the Memories!


"You have to think on your feet and fly by the seat of your pants!”

These were the first words Alice told me nine years ago when I was asked to be her assistant, and that was a very true statement. I’ve learned so much working with Alice on club trips and events. The best part of our job is the relationships we build with our customers along with the tremendous support of the entire Heartland Bank family. Without those, the club would not be the success it has been. Over the last year Alice has been preparing me for the day she slips out of her shoes and I step in. That day has now come. I have been blessed with memories, laughter, and tears and wish her the best in her retirement.


Celebration x 2

Thursday, June 12th - 6:00 p.m.

You are invited to celebrate the Ambassador Club’s 25th Anniversary Party and Alice Tatro’s Retirement Party. This celebration will be held in the Fillmore County Ag Hall in Geneva. Bubba’s Anytime will be preparing the supper. Entertainment will be provided by Elvis (Bill Chrastil) and a video highlight of the last 25 years with the club. A special gift will be provided to each club member to commemorate this occasion. Please RSVP by calling 402-759-3114 by June 6th.

Price: Free to all members. $10 for guests.

Root Beer Floats

Shickley - July 9th, 1:30-3:00 p.m.

Geneva – July 10th, 1:30-3:00 p.m. (Geneva Conference Center)

Fairmont - July 11th, 1:30-3:00 p.m.

Completely Brownville

Saturday, August 9th

Fillmore County Ambassador Club Members are invited to join us on a one day trip to Brownville, NE. We will be stopping along the way for a delicious sack lunch and then on to Brownville for a performance at the Brownville Village Theater. The Whiskey Run Creek Winery is our next stop for wine tasting and a souvenir glass to take home with you. All aboard the Belle of Brownville for supper and a cruise down the muddy Missouri River. to complete our day in Brownville. The bus departs from the East Bull Pen in Geneva at 10:00 a.m.

Price: $99. Includes: lunch, theater, winery and the dinner cruise, transportation, tips and taxes. Reservations are due July 17. Payment is due when you sign up.

Free Movie Night

Friday, August 29th

Join the Ambassador Club for a free movie night at the Rialto II Theater in Geneva.

Price: Free to all members. Free popcorn will also be provided.

Veteran’s Day Tribute in Branson

November 10th - 13th

“Let Freedom Ring” as the Ambassador Club celebrates Veteran’s Day in Branson, Missouri. 

  • Click here to download the trip brochure for more details on this trip.

The Radio City Rockettes Christmas Spectacular

Saturday, November 29th - 2:00 pm Show

For the first time ever, the fabulous Rockettes are coming to Nebraska. We were able to get 54 tickets on the main floor, front and center. Reservations need to be made by August 8. Payment is due when you sign up. Lunch will be at The Olive Garden in Omaha.

The bus will depart from the Kearney North Branch at 7:45 a.m. The bus will then pickup members from Geneva and depart from the east bull pen at 10:00 a.m.

Price: $159 (all inclusive)

For more information on any of these trips contact Sheila Smith, Lois Ryan, or Julie Dodson.

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2015 Community Calendar - Photo Contest

Get your cameras ready! We will be featuring 13 of our customer and employee submitted photos in our 2015 Community Calendar.

2015 Calendar GraphicWe are once again hosting a photo contest for our 2015 Community Calendars. Heartland Bank customers and employees from all of the communities we serve are encouraged to submit photos they’ve taken that highlight life in Nebraska.

We are looking for photos featuring landscapes, nature, events, family life, or any other subject that highlights the beauty of life in Nebraska. The photos can be from any season throughout the year. Amateur and professional photographs will be accepted.

Photo entries will be accepted starting May 1st, 2014. All entries must be postmarked or delivered by August 31st, 2014 to be eligible. Entries will be evaluated based on appeal, content, and photographic skill. The thirteen winning photos will each be featured on a full page spread of one month in the 2015 calendar. Thirteen runner-up photos will be chosen and used as smaller, secondary photos on each month’s page.

Contest Rules & Requirements

  • A completed and signed entry form must be submitted with each photo.
  • Limit 3 photo submissions per person.
  • All photos must be taken within Nebraska. Photos can be submitted digitally (.jpg or .tiff) or a physical photo can be submitted.
  • Only hi-resolution photos will be chosen. Digital photos must have a minimum resolution of 240 pixels per inch (ppi) at 8” x 10”. Physical prints must be at least 8” x 10”.
  • Each entry must be the work of the person submitting the photo. Entrants under the age of 18 must have a parent or guardian signature.
  • Any photo that contains people taken in a private setting must have a signed consent form for each person in the photo (photos containing people in public places do not require a signed consent form).

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