Our Team

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Meet the First National Bank Team

When you bank with First National Bank of Muscatine, our team of professionals will find the right banking solution that works best for you. Our staff provides exceptional service and has the knowledge to help you find the perfect solution for your banking needs. Get to know more about our team by reading their biographies.

  • Main Bank

  • Debra R. Lins

    Debra R. Lins

    President / Chief Executive Officer

    Location: Main Bank Division: Executive Team Get in touch with me

    Year of Hire: 2021

    I am honored to carry forward First National Bank’s mission and strong commitment to serving the financial needs of our local community. With over 40 years of banking experience, I have the privilege of working side by side with our dedicated team of professionals to provide our customers with the personalized service they deserve with innovative products and services that fit their needs. I look forward to caring forth the long standing tradition of First National Bank of Muscatine being the community’s top choice for banking services. 

  • Teresa Carter

    Teresa Carter

    Chief Financial Officer & Executive Corporate Secretary

    Location: Main Bank Division: Executive Team Get in touch with me

    Year of Hire: 1988

    I was fortunate to join First National Bank after graduation and I have become one of several individuals who have remained the majority of their career.  I am proud to be part of a locally owned community bank that treats their employees as family and focuses on helping individuals, businesses, and charitable organizations in Muscatine and the surrounding areas.

  • Wayne Johanson

    Wayne Johanson

    COO & Senior Lending Officer, Commercial Lending

    NMLS ID: 1263561

    Location: Main Bank Division: Executive Team Get in touch with me

    Year of Hire: 1984

    At First National Bank, we care about our customers’ individual needs, whether they’re coming in for the first time to open a checking account or they need financing to help expand their business’ operations. I am very proud of our community and the support that First National Bank and its employees provide to help make it a great place to live.

  • Ron Monahan

    Ron Monahan

    Chief Credit Officer / Commercial Lending Officer

    Location: Main Bank Division: Executive Team Get in touch with me

    Year of Hire: 2010

    I enjoy working in commercial lending because it allows me to help many different types of businesses in the Muscatine area achieve success. First National Bank is dedicated to providing its employees the opportunity to serve the community, and due to that commitment, I currently serve on boards for the United Way, Muscatine Center for Social Action, and the Y’s Endowment Committee.

  • Teresa Schaper

    Teresa Schaper

    Senior Vice President, Commercial Lending Officer

    NMLS ID: 1569455

    Location: Main Bank Division: Commercial and Ag Lending Team Get in touch with me

    Year of Hire: 1985

    Being a Commercial Loan Officer at First National Bank allows me to work with people every day. I enjoy meeting new clients and helping existing clients prosper and grow. I also like sharing my knowledge of the banking industry by teaching Junior Achievement to 5th and 6th graders.

  • Steve Ellsworth

    Steve Ellsworth

    Vice President / Agricultural & Commercial Lending Officer

    Location: Main Bank Division: Commercial and Ag Lending Team Get in touch with me

    Year of Hire: 1999

    Working at First National Bank enables me to offer flexible and customized services to our diverse clientele. My 25 years of experience working on a family farm has given me an understanding of the various economic challenges farmers face each day, so I enjoy working with my agricultural customers to help them achieve financial success.

  • Brian Mussehl

    Brian Mussehl

    Vice President/Commercial Lending Officer

    Location: Main Bank Division: Commercial and Ag Lending Team Get in touch with me

    Year of Hire: 2018

    I am thrilled to be a part of the commercial lending team at First National Bank. As a local business owner the past 21 years, I know how dedicated and professional the employees at the bank are. In the community I’ve been a part of Leadership Muscatine, I serve on the GMCCI economic advisory committee, and have been the voice of Muscatine Muskie football and boys and girls basketball for the past 8 years.

  • Adam Miller

    Adam Miller

    Commercial Lending Officer

    Location: Main Bank Division: Commercial and Ag Lending Team Get in touch with me

    Year of Hire: 2019

    I love working for First National Bank because it’s a bank that cares about the community and giving back to Muscatine to make it a better place to live. I’m excited by the opportunity to learn from real experiences of business owners so I can better help them achieve their goals. Through my passion for helping others, I look forward to helping new businesses get their start, as well as continue to assist existing business in their growth.

  • Mike Wilson

    Mike Wilson

    Vice President /Trust Department Manager

    Location: Main Bank Division: Trust and IRA Services Team Get in touch with me

    Year of Hire: 2008

    Since joining First National Bank in 2008, I have enjoyed learning about the remarkable history of Muscatine. The two things that stand out to me about Muscatine are the amazing success stories of businesses that had their start here and the high level of philanthropy in the community. Working at First National Bank and being a board member of the Community Foundation of Greater Muscatine has given me the opportunity to see both traditions first hand.

  • Dana Miller

    Dana Miller

    Real Estate Lending Officer

    NMLS ID: 1411707

    Location: Main Bank Division: Residential Lending Team Get in touch with me

    Year of Hire: 2020

    I am excited to join the First National Bank family as Real Estate Manager, being able to fulfill my passion for helping others and building relationships. It is an honor to serve the Muscatine community and surrounding areas with your mortgage needs. I strive to provide a smooth and pleasant experience from application to close and even after. My #1 goal is professional customer service with a smile. I am currently a GMCCI Chamber Ambassador and President of the L&M Music Boosters.

  • Alisha Knerr

    Alisha Knerr

    Real Estate Lending Officer

    NMLS ID: 1289928

    Location: Main Bank Division: Residential Lending Team Get in touch with me

    Year of Hire: 2002

    As a loan officer, it is my duty and responsibility to ensure customers fully understand the home financing options we have to offer. Whether it be purchasing a new home or refinancing your current home, I am committed to making the process as simple as possible.

  • Trish Stevens

    Trish Stevens

    Vice President / Retail Banking & CRA Officer

    NMLS ID: 1375107

    Location: Main Bank Division: Retail and Consumer Lending Team Get in touch with me

    Year of Hire: 2002

    First National Bank has always been a family friendly place to work with our focus on customer satisfaction. I enjoy helping customers with their daily needs and helping them have a positive experience every time.

  • Oakview North Office

  • Melissa Bieri

    Melissa Bieri

    Manager & Assistant Security Officer

    Location: Oakview North Office Division: Retail and Consumer Lending Team Get in touch with me

    Year of Hire: 2019

    As a Branch Manager of Oakview North office, it is always my privilege helping customers meet their financial needs.  I’m proud to be part of the Team.

  • Westside Office

  • Jenny White

    Jenny White

    Manager & Assistant Security Officer

    NMLS ID: 1701840

    Location: Westside Office Division: Retail and Consumer Lending Team Get in touch with me

    Year of Hire: 2015

    As Manager of our Westside location, I enjoy working with our customers and getting to know them better. I look forward to helping with their everyday banking needs and making sure they leave happy.

  • Main Bank

  • Laurie Carpenter

    Laurie Carpenter

    Personal Banking Officer / 1st Priority Club Director

    Location: Main Bank Division: Retail and Consumer Lending Team Get in touch with me

    Year of Hire: 1982

    First National Bank has always been a part of my life. The bank has supported me and my family with a lot of life endeavors. I am currently a Personal Banking Officer and enjoy helping people with their financial needs in all stages of life. I’ve had the pleasure of helping generations of families with their banking needs. I love helping at First Priority Events, since the beginning of the Club. I am active as Worthy Matron at Prairie Lodge #516 and also active in my church (Illinois City United Methodist church). I’m also a part of the Drury Reynolds Cemetery Memorial Day committee.

  • Hope Franklin

    Hope Franklin

    Personal Banking Officer

    NMLS ID: 768630

    Location: Main Bank Division: Retail and Consumer Lending Team Get in touch with me

    Year of Hire: 2003

    As a personal banker, I love helping customers with all of their banking needs, whether it is buying a new car, home improvements or wanting to open an account. I have been with First National since 2003 so continued customer service is important to me.

  • Raquel Oliva

    Raquel Oliva

    Personal Banking Officer

    NMLS ID: 1399831

    Location: Main Bank Division: Residential Lending Team Get in touch with me

    Year of Hire: 2015

    As a personal banker at First National Bank, my main focus is getting to know my customers and helping them with their financial goals. Whether it’s opening an account, purchasing a vehicle, consolidating debt or remodeling their home, my objective is to ensure a positive and stress-free process.

  • Karina Villegas

    Karina Villegas

    Personal Banking Officer

    Location: Main Bank Division: Retail and Consumer Lending Team Get in touch with me

    Year of Hire: 2016

    Starting as a Financial Representative, it is a privilege to now be a Personal Banker. I am excited to help all of my customers when it comes to opening accounts, personal loans, or simply balancing their check book. It is important my customers can trust in me with their everyday needs.

  • Amber Schulte

    Amber Schulte

    Marketing Officer

    Location: Main Bank Division: Marketing Get in touch with me

    Year of Hire: 2017

    First National Bank has always been a part of my life in multiple ways. Having grown up in Muscatine, I appreciate that First National Bank has always been a family friendly, local bank that continues to support the local community.  I look forward to working with our customers, employees, and the community through my new position.

  • Mindy Oberreuter

    Mindy Oberreuter

    Trust Operations Specialist

    Location: Main Bank Division: Trust and IRA Services Team Get in touch with me

    Year of Hire: 2018

    I have been working in this Financial Industry for the past 15 years. Working in the Trust department has given me the opportunity to see first-hand the generosity of our community. The smiling faces of students as they receive a much needed scholarship has been a highlight of my job. I also service the bank IRA accounts. We offer IRA money market savings and certificate of deposits. I am very involved with the Pearl City Players Theatrical Society. My husband and I are also avid metal detectorists in our free time.

  • Nina Becerra

    Nina Becerra

    Trust Secretary

    Location: Main Bank Division: Trust and IRA Services Team Get in touch with me

    Year of Hire: 2016

    I began my career at First National Bank as the main bank receptionist and moved into my role now as the Trust Secretary. I enjoy being able to get to know many of our customers, as well as helping them with their Trust Accounts, IRA’s, or even being able to translate for many bank departments. I was born and raised in Muscatine, and seeing how much First National Bank gives back to the community makes me very grateful to work here.