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 Lending Team

Scott Hines
President and Chief Executive Officer

Phone 269-679-5291
Email shines@kcsbank.com
MLO # 517454
Find me on LinkedIn

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

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.

Pam Shaffer
Assistant Vice-President
Loan Officer

CRA Officer

Phone 269-679-5291
Email pshaffer@kcsbank.com
NMLS #859506
Find me on LinkedIn

With a lifetime in banking… or since she was old enough to work in high school…Pam has worked at KCSB for 35 years. Currently she is a Loan Officer and the Bank’s CRA (Community Reinvestment Act) Officer. Pam can assist customers with most loans. As Community Reinvestment Act (CRA) Officer, Pam is responsible for developing, implementing and administering all aspects of KCSB’s Community Reinvestment Act Compliance Program.

A true community banker, Pam explains that she has been fortunate to have worked in almost every department of the Bank at one time or another; Teller, Operations, Receptionist, Human Resources, Mortgage Supervisor, Compliance Officer, Loan Processor and anywhere else in the Bank they may have needed a person to help!

Pam has also been involved in many community and charitable events over the years.  Most recently, she sits on the Schoolcraft Downtown Steering Committee and participates in Relay for Life Cancer events.

Pam also started and is in charge of the Bank’s Friday Casual Dress Fund which employees pay $1 on Fridays to dress casual and then donate the money to local charities to help with various needs in the community.

Pam believes life is too short to NOT have fun! She and her husband Mike like to bike, and have a tandem bike that they ride often. They also like to golf and ski and try to camp every chance they get.  But their favorite thing to do is spend time with their families, kids and grandkids!

Chuck Snyder
Mattawan Branch Officer

Email: csnyder@kcsbank.com
Phone (269) 668-3386
Fax (269) 668-4396
MLO# 1260446 
Find me on LinkedIn

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, Chuck manages the day-to-day operations at the Branch.  He is available to open personal and business accounts and assist with any loans his customers need throughout their futures.

Chuck is always looking for ways to make a difference in his community.  Most recently he was able to coordinate an opportunity for his son’s travel baseball team to help mentor the Mattawan Challenger League team.  Chuck has also been a reading mentor at Portage North Middle School, and has helped in the past with the Juvenile Diabetes Research Foundation (JDRF) and Junior Achievement.

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, hunting and being involved with my son’s travel baseball team.


“I have enjoyed working at Kalamazoo County State Bank (KCSB) for over 36 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