About Kalamazoo County State Bank

Our goal is to deliver unparalleled service to the communities we serve and to our most important resources, our customers.

Welcome to KCSB,

For more than a century, Kalamazoo County State Bank (KCSB) and its employees have been committed to providing exceptional financial services to our customers and loyal support to our communities.

Founded in 1908, Kalamazoo County State Bank is the oldest independently owned and operated community bank in Kalamazoo County.  The driving force that led to the bank’s formation over ten decades ago came from the Krum and Angell families.  Members of both families saw the need for hometown banking services for Schoolcraft and its surrounding communities.  Today, members of both families are shareholders and board members.  The bank’s main office is located in Schoolcraft.  The Mattawan branch was established in the early 1970s and the Vicksburg branch opened its doors in 1996.

KCSB’s goal is to provide local, reliable and friendly solutions to the individuals, families and businesses in our communities as they pursue their financial journeys.  One of the greatest advantages we can offer our customers is our status as their locally owned and operated community bank. Because we are locally owned, we are able to put our customer’s personal financial needs above everything else we do.  We are here to listen to our customers, get to know them personally, and focus on their financial success.

With over “100 Years of Caring” we strive to give back to the communities we serve, helping to make a difference for our children, our families and our businesses.  We are your local community bank. Please visit us online and in our branch offices. We look forward to serving you on your financial journey.

Scott Hines,
President and Chief Executive Officer
Kalamazoo County State Bank

 

Kalamazoo County State Bank Here today, here tomorrow “Over 100 Years of Caring”

1850’s View of Downtown Schoolcraft

The Kalamazoo County State Bank Board

J. Thorne Angell, Chairman of the board
James H Creagan
Dale C Garland
D Scott Hines
David T Krum
Dennis F McNally

Meet Our Leadership Team

Scott Hines

President and Chief Executive Officer

Phone 269-679-5291
Email shines@kcsbank.com
MLO # 517454
Find me on LinkedIn
https://www.linkedin.com/in/scott-hines-45a2608/

Scott is a community banker at heart and has been his entire career. With 30 years in banking, it’s clear to see Scott has a love for his profession. Scott took on his roles as President and CEO of Kalamazoo County State Bank, in January of 2016. He joined KCSB in 2003 as Assistant Vice President Mortgage Lending and was promoted to Vice President of lending and then President. Prior to joining KCSB, Scott moved through the ranks at First National Bank of Three Rivers where his most recent position was Senior Vice President, Chief Financial Officer.

A graduate of Olivet Nazarene University with a Bachelor‘s Degree in Business Administration, Scott also has Master of Business Administration (MBA) in Finance from Western Michigan University.

Scott is currently a member of the Schoolcraft DDA. In addition, he was also a past long-time member of Rotary and Jaycees and past Board member and Treasurer of his church. Scott and his wife Laurie have two daughters and reside in neighboring Three Rivers. Outside the Bank, Scott enjoys golfing, hunting, fishing, and watching his daughter’s sporting events.

Kevin Hughes
Vice President
Head of the Residential Loan Department

Email khughes@kcsbank.com
Phone 269-679-5291
Fax 269-679-5331
MLO #623632
Find me on LinkedIn
https://www.linkedin.com/in/kevin-hughes-277015115/ 

Kevin joined Kalamazoo County State Bank in 2013 as Assistant Vice President, Loan Department, with primary responsibility in mortgage lending. He was promoted to head the Residential Loan Department in 2014 and promoted to Vice President in 2015.

With more than 30 years of lending expertise, Kevin’s experience includes owning a mortgage service company and working for G.W. Jones Exchange Bank as the Branch Manager in their Edwardsburg office.

Active in the community, Kevin participates in the United Way and Relay for Life. Kevin was the 2014 LM Angell Directors Award recipient, given to an employee who demonstrates outstanding job performance and community volunteerism. He and his wife have two dogs  and enjoy being outdoors, especially fishing and hunting.

Jerry Kroetsch
Commercial Loan Officer

Email jkroetsch@kcsbank.com
Phone 269-679-5291
Fax 269-679-5331
MLO #582026

Jerry Kroetsch joined our KCSB team as a Commercial Lending Officer in 2019 and is responsible for overall leadership including relationship management, financial analysis, underwriting, and portfolio analysis.

With over 23 years of banking experience at PNC Bank in Kalamazoo – eight years as a commercial lender – Jerry moved through the organization as an Assistant Vice President in Retirement Plan Services to his last position as Senior Business Banking Officer, where he oversaw and developed relationships with small businesses.

Jerry actively volunteers in Schoolcraft and the greater Kalamazoo area, dedicating his service to a life of faith, including liturgical ministry, religious education, Loaves & Fishes of Kalamazoo, Knights of Columbus, Catholic Men’s Fellowship, and youth hockey development.

Jerry has a Bachelor of Business Administration in Finance from Western Michigan University. He and his wife, Lesa, have two children and reside in Schoolcraft.

Makenzie Cail

Makenzie (Kenzie) Cail
Branch Manager of Vicksburg

Phone (269) 649-0001
Fax (269) 649-0014
Email mcail@kcsbank.com

Makenzie (Kenzie) Cail is the Branch Manager of KCSB’s Branch Office in Vicksburg. She joined KCSB in February of 2017 as a Part-Time Teller while still in college. Later that year, she began her full-time career with KCSB as a Personal Banker. Her skill for understanding her customers’ needs along with the services available to help fulfill those needs quickly became apparent. She was promoted to her current position as Branch Manager in November 2021.

As a local community banker, Kenzie takes great pride in knowing she can help customers with just about every financial need they may have over a lifetime – both personal and business. She was nominated Employee of the year in 2018.

Kenzie graduated from Schoolcraft High School and attended Kalamazoo Valley Community College (KVCC) for general studies. She generously participates in community activities such as making quilts for those in need and assisting with the Mattawan Food Pantry. In her spare time, she enjoys arts and crafts and working on DIY projects.

Patrick Fitzgerald
Branch Manager of Mattawan

Phone 269-668-3386
Fax 269-668-4396
Email pfitzgerald@kcsbank.com
MLO #1911446

Patrick Fitzgerald joined KCSB in 2019 as Branch Manager of the Mattawan Branch Office. As KCSB continues to grow, and serve a broader, more diverse customer base, Patrick has the banking expertise and personal customer service skills that customers rely on for all their financial needs.

Joining KCSB with 20 years of banking experience, Patrick moved through the commercial services ranks in credit cards, collections, operations, commercial loans, health care and treasury management at National City now PNC Bank in Kalamazoo. In his last position, Patrick was a Loan Analyst providing consistent team leadership in management, sales, service and quality.

Patrick has an Associate Degree in General Studies from Kalamazoo Valley Community College, a Bachelor of Science in Management and a Master of Business Administration (MBA) both from the University of Phoenix.

Patrick and his family reside in Mattawan. When not in the Bank, Patrick enjoys spending his free time with his family. In addition to coaching his children, they enjoy playing all sports together. Patrick and his family enjoy exploring Michigan and take yearly trips in the summer to different parts of this great state. Every spring they spend time in Cocoa Beach, Florida and are a big Disney family! They have been on two Disney cruises and visit the parks every couple of years.

Patrick volunteers at school events for Mattawan Schools, helps with Mattawan Wildpacks, and has coached many youth sports teams including soccer, flag football and basketball. He also was on the Board of Directors for Mattawan’s AYSO for two years and every year at Christmas time his whole family volunteers with the Salvation Army ringing the bells.

Deanna Gerow
Branch Manager of Schoolcraft
Personal Banker

Email dgerow@kcsbank.com
Phone 269-679-5291
Fax 269-679-5331

Deanna Gerow is the Branch Manager of KCSB’s Main Office in Schoolcraft. She began her banking career at KCSB in 2016 as a Teller and progressed to a Personal Banker and in 2020 was promoted to her current position as Branch Manager.

A native of Schoolcraft, Deanna graduated from Schoolcraft High School and earned her Associate degree in Arts from Kalamazoo Valley Community College.

She began her early career as a photographer for several local portrait studios. She then chose to work as a stay-at-home mom to her three children while they were younger. Later she worked as an insurance producer for several years before settling in at KCSB in 2016.

Deanna has a way of providing personal service to her customers and fellow employees, delivered with the kindness that is inherent in everything she does. In 2019 she was honored with the Ken Krum Employee of The Year Award.

Deanna and her husband Jeffery of 24 years, reside in Mattawan with their three children and puppy Willow. When Deanna is not spending time with her family, you will find her enjoying her passion – taking photographs throughout town of weddings, senior pictures, nature, anything, and everything!

Chuck Snyder

Loan Officer

Email csnyder@kcsbank.com
Phone 269-679-5291
Fax 269-679-5331
MLO# 1260446 

Find me on LinkedIn
https://www.linkedin.com/in/charles-snyder-278363104

With 20 years of consumer lending experience and eight years in retail banking, Chuck Snyder is well equipped to handle your banking needs.  Joining Kalamazoo County State Bank in 2015 as the Bank’s Mattawan Branch officer, he then transitioned to our Schoolcraft Office in 2019 with his primary focus on Mortgage Lending.

Growing up in Bay City, Chuck moved to West Michigan in 1992 to attend Western Michigan University (WMU). After graduating with a Bachelor of Business Administration degree in Finance from WMU, Chuck remained in West Michigan because of his love for the area and the ability to take advantage of all the recreational activities available. His interests include fishing, boating and hunting.

 

Ryan Hamilton

Loan Officer

Email rhamilton@kcsbank.com
Phone 269-679-5291
Fax 269-679-5331
MLO#533282 

Ryan Hamilton joined KCSB at the end of 2022 as a loan officer in the Schoolcraft Office. With his diverse background in banking and exceptional experience in mortgage lending, his focus will be on helping the families and businesses in our communities with their financial wellbeing.

Ryan has with nearly 30 years of banking experience working at various financial institutions including several regional banks. Beginning his career in branch management, his last 20 years were concentrated on mortgage lending for the families in Southwestern Michigan. He has a Bachelor of Business Administration from Western Michigan University, Kalamazoo.

Ryan, his wife, and their Australian shepherd, reside in Vicksburg. When not in the Bank, Ryan enjoys spending his free time with his family. He also enjoys camping and canoeing.
Active in his community, Hamilton volunteers with Generous Hands by packing backpacks for kids, United Way by speaking to groups on the benefits of giving and other activities at Loaves & Fishes.

 

“I have enjoyed working at Kalamazoo County State Bank (KCSB) for over 42 years because I love what I do.  I started as a teller in 1980 while a senior in high school; transferred to the Bookkeeping department, then into the Accounting/Reporting department and in 2000 I was promoted to Officer status.  I love seeing and helping the customers when I’m a teller and I love numbers and the challenges of balancing them.  Math and accounting were two of my favorite classes in high school.  I love the fact we are an independently owned “Community Bank” that cares about the people and communities we serve.  Our mission statement is to deliver unparalleled service to the communities we serve and our most important resource, our customers.  At KCSB, you’re not a number; you’re a valued customer.”

Schelle McMillan

KCSB Controller & Cashier 

A part of the KCSB team for 36 years