Centerville
Danielle Daffinson
Universal Banker
Division: Retail Banking
Location: Centerville
Phone: (608) 539-5900
Danielle Daffinson
Danielle supports customers with all aspects of their everyday banking needs, from opening accounts to providing full-service assistance. She brings two years of banking experience and a strong foundation in communication, accuracy, and trust-building from her previous career in nursing.
She enjoys that every customer interaction is different and values the chance to build long-term relationships by understanding each person’s goals and recommending solutions that truly fit. Danielle is motivated by knowing her work makes a meaningful difference.
Outside the bank, she stays active with running, reading, weekend getaways, rollerblading, ice skating, snowboarding, and tennis. A farm girl at heart, she credits her upbringing for her strong work ethic and down‑to‑earth approach.
Amanda Knudtson
Universal Banker
Division: Retail Banking
Location: Centerville
Phone: (608) 539-5900
Amanda Knudtson
Amanda joined Citizens First Bank after more than two decades in customer focused roles, bringing extensive experience handling money and helping people navigate everyday transactions in a fast paced retail and online ordering environment. New to banking and already thriving, she enjoys supporting customers with their daily financial needs and values the trust they place in her when they share their stories.
She approaches service with empathy, patience, and a genuine interest in getting to know the people she helps. Motivated by the desire to feel proud of her work, Amanda strives to make each interaction meaningful and welcoming. Outside the bank, she spends her time with friends, family, and her furbabies, and enjoys sewing, baking, and traveling. Her favorite trips—whether to Disney World, Mexico, or even skydiving—reflect her love of memorable experiences and a willingness to try something new.
Holmen
Austin Lyden
Universal Banker
Division: Retail Banking
Location: Holmen
Phone: (608) 394-3340
Eric Moilien
Vice President | Commercial Lender
Division: Lending
Location: Holmen
Phone: (608) 394-3340
Eric Moilien
Eric Moilien began his banking career in 2000 as a teller at Citizens First Bank and rejoined the team in 2014. Today, he serves as Vice President and Commercial Lender at our Holmen location, bringing over two decades of industry experience and a thoughtful, relationship-driven approach to commercial lending. Eric has completed a wide range of professional development programs through the Wisconsin Bankers Association, including the Bank Management School, Analyzing Financial Statements School, Introduction to Lending School, UW-Madison Graduate School of Banking graduate in 2020, BOLT Summit, and Security Conference. In addition to his role at the bank, Eric serves as Treasurer for the Holmen Area Foundation, supporting local initiatives that make a lasting impact. Whether you're starting a new venture or scaling an existing one, Eric is a trusted partner who’s ready to help you succeed.Emily Powers
Branch Manager
NMLS: 886061
Division: Lending
Location: Holmen
Phone: (608) 394-3340
Emily Powers
With over 15 years in banking, Emily leads Citizens First Bank’s Holmen, Centerville, and Trempealeau branches with dedication, expertise, and a deep commitment to customer care. Since 2009, she’s helped individuals and families navigate their financial journeys with confidence and clarity. Whether you're opening your first account, exploring loan options, or planning for the future, Emily and her team are here to provide personalized guidance every step of the way. Her leadership ensures that each branch delivers a welcoming, efficient experience rooted in the values of Citizens First Bank.Jeremy Pronschinske
Mortgage Loan Officer
NMLS: 1920396
Division: Lending
Location: Holmen
Phone: (608) 394-3340
Jeremy Pronschinske
Jeremy Pronschinske has been helping customers achieve their financial goals since 2018. As a Mortgage Loan Officer at Citizens First Bank’s Holmen branch, he brings a strong foundation in mortgage and consumer lending, backed by a deep commitment to customer service and satisfaction. Whether you're buying your first home, refinancing, or planning ahead, Jeremy offers clear guidance and personalized solutions to help you move forward with confidence.Jace Williamson
Universal Banker
Division: Retail Banking
Location: Holmen
Phone: (608) 394-3340
Sparta
Cassy Diercks
Vice President | Retail Banking Supervisor
Division: Executive Leadership
Location: Sparta
Phone: (608) 269-2126
Cassy Diercks
Since joining Citizens First Bank in 2016, Cassy Diercks has led with purpose, passion, and a commitment to growth. As Vice President and Retail Banking Supervisor, she empowers branch teams to deliver exceptional service while fostering a culture of collaboration and continuous improvement. A dedicated community banker, Cassy serves on the Sparta Board of Directors and the Wisconsin Bankers Association BOLT Section Board. Her leadership inspires those around her to reach their goals and contribute to shared success—both within the bank and across the communities we serve.Molli Hundt
Mortgage Loan Officer
NMLS: 488022
Division: Lending
Location: Sparta
Phone: (608) 269-2126
Molli Hundt
Known affectionately as “Mortgage Molli,” Molli Hundt brings enthusiasm, expertise, and a customer‑first mindset to her role at Citizens First Bank’s Sparta branch. With 16 years of lending experience — including the past 6 years proudly serving Citizens First Bank customers — she’s passionate about helping individuals and families navigate the mortgage process with confidence.Molli especially loves working on construction and dream‑home projects, guiding borrowers through each step as their vision becomes reality. She’s known for being accessible, approachable, and deeply committed to the community she serves. A familiar face at local events, Molli strives to make a positive impact both inside and outside the bank.
Whether you're buying your first home, refinancing, or building the home you’ve always imagined, Molli is here to make the journey smooth, personal, and stress‑free.
Tonia Kaiser
Branch Manager | Personal Banker
Division: Retail Banking
Location: Sparta
Phone: (608) 269-2126
Tonia Kaiser
With two decades of banking experience, Tonia Kaiser brings knowledge, warmth, and reliability to her role as Branch Manager at Citizens First Bank’s Sparta location. Since 2004, she has been helping customers navigate their financial needs with confidence - whether opening accounts, exploring solutions, or planning for the future. Tonia is known for her approachable leadership style and her commitment to building lasting relationships within the community she proudly serves.Lisa Miller
Mortgage Loan Officer
NMLS: 886171
Division: Lending
Location: Sparta
Phone: (608) 269-2126
Lisa Miller
With more than 17 years in mortgage lending, Lisa understands that people aren’t just looking for a loan — they’re looking for someone they can trust to guide them through the process with ease. As a hometown lender, she takes pride in offering clear guidance and honest communication from the first conversation to closing day.
Whether it’s VA, USDA, or conventional financing, or refinancing the home you already love, Lisa helps customers explore their options and find the right fit. Her goal is simple: make the process feel easy, friendly, and be there whenever her customers need support.
Arnie Rettler
Commerical Loan Officer
NMLS: 479184
Division: Lending
Location: Sparta
Phone: (608) 269-2126
Arnie Rettler
Arnie Rettler has earned the trust of businesses in Sparta and surrounding communities throughout his lending career. Since 2021, he has been serving commercial customers as a Commercial Lender at Citizens First Bank, where he provides clear guidance and tailored financing solutions designed to support growth, expansion, and lasting partnerships.Trempealeau
Mike Gargaro
CFO | CIO | COO
Division: Executive Leadership
Location: Trempealeau
Phone: (608) 534-6335
Mike Gargaro
With over 30 years of experience in community banking, Mike Gargaro is passionate about building lasting relationships and helping local businesses thrive. His deep commitment to the communities Citizens First Bank serves is reflected both in his work and his extensive civic involvement. Mike has served on several nonprofit and community boards, including Aptiv, the Onalaska High School Athletic Booster Club (Treasurer), the City of Onalaska Community Development Authority (Chairperson), the Onalaska Lions Club, and the Wisconsin Bankers Association’s BOLT Board (Chair).Shane Ilstrup
CEO | President
NMLS: 440342
Divisions: Executive Leadership, Lending
Location: Trempealeau
Phone: (608) 534-6335
Shane Ilstrup
A fourth-generation banker, Shane Ilstrup has been part of community banking since high school and has proudly led Citizens First Bank as President and CEO since 2016. With degrees from the University of Minnesota Duluth and the Graduate School of Banking at UW–Madison, Shane combines deep financial expertise with a genuine dedication to the communities the bank serves. He believes that lasting success begins with strong local connections—where neighbors support neighbors and every customer feels at home. Under his leadership, Citizens First Bank continues its mission of building relationships, fueling growth, and investing in the people and places that make our communities special.Casey Vance
Personal Banker
Division: Retail Banking
Location: Trempealeau
Phone: (608) 534-6335
Casey Vance
Casey Vance has been a trusted part of the Citizens First Bank team since 2011, serving customers at our Trempealeau branch with care and expertise. As a Personal Banker, she helps individuals and families make the most of their financial journey. Casey is known for her friendly demeanor, her commitment to the Trempealeau community, and her love of dogs - ask her about them and you’ll see her light up.
Viola
Shelly Schweiger
Universal Banker
Division: Retail Banking
Location: Viola
Phone: (608) 627-1491
Shelly Schweiger
With more than 20 years of experience across banking and real estate, Shelly serves customers as a Universal Banker, specializing in new accounts and everyday banking needs. Since joining Citizens First Bank over six years ago she’s helped individuals and families select the right products, manage transactions, and move toward their goals with clarity and confidence. A Viola‑area resident since 1988, Shelly is deeply involved in local life through the Viola Horse and Colt Show, the Viola Sesquicentennial committee, Viola United Methodist Church (Sunday School), the Bloom City Church and Cemetery Boards, Richland County Beef Producers, Neighborhood Housing Services, the Richland County Meat Animal Sale Committee, and 4‑H (Viola Busy Beavers and Sabin Livewires). She brings a welcoming, efficient approach rooted in the values of Citizens First Bank.
Viroqua
Diane
Operations Supervisor
Division: Operations
Location: Viroqua
Phone: (608) 627-1491
Diane
Diane serves as VP, Operations Supervisor and Assistant BSA Officer, bringing 20 years of dedicated experience at Citizens First Bank. Her expertise in ACH, wires, and fraud prevention plays a vital role in ensuring smooth and secure operations.
A lifelong resident of the area, Diane is motivated by helping customers - especially when guiding them through fraud-related concerns. Her customer‑first mindset is at the heart of her work.
Outside the bank, Diane enjoys spending time with her family and animals, especially her labs. She loves being outdoors, whether hiking, gardening, or simply enjoying time with her dogs. Her children and grandchildren are her greatest joy and inspiration.
Dan Diehl
CCO
Division: Executive Leadership
Location: Viroqua
Phone: (608) 637-3133
Dan Diehl
Dan Diehl is the Chief Credit Officer at Citizens First Bank, guiding loan policy governance and credit underwriting with more than 25 years of experience in banking, financial services, and corporate accounting. A 49-year member of the Viroqua community, he remains deeply involved in area organizations such as the Coon Valley Farmer Telephone Company, Viroqua FFA Alumni, the Vernon County Fair Meat Animal Sale Committee, and several agricultural and sportsmen’s groups. Outside the bank, Dan enjoys time with his family and working on his beef and crop farm outside Viroqua.Ami Dregne
Vice President | Chief Risk Officer
Divisions: Compliance & Risk Management, Executive Leadership
Location: Viroqua
Phone: (608) 637-3133
Ami Dregne
As Vice President and Chief Risk Officer at Citizens First Bank, Ami Dregne leads with precision, insight, and a deep commitment to operational integrity. Her expertise is backed by decades of experience and a Certificate in Executive Leadership from UW–Madison, along with graduation from the Graduate School of Banking. Ami’s journey began as our very first Youth Apprentice while still in high school. From Operations to Loan Support to executive leadership, she’s grown alongside the bank—becoming a cornerstone of our team and a trusted voice in risk management.Karya Eitland
Mortgage Loan Officer
NMLS: 1920358
Division: Lending
Location: Viroqua
Phone: (608) 637-3133
Karya Eitland
With over 20 years in banking, Karya Eitland brings clarity, compassion, and expertise to her role as Mortgage Lender at Citizens First Bank’s Viroqua branch. Since 2003, she’s helped customers navigate home financing with confidence—whether buying, refinancing, or planning for what’s next. Karya also serves as a Board Member of Driftless Wisconsin Inc., an organization focused on economic empowerment across the region—a role she’s held since 2013. Her commitment to both personal finance and community growth makes her a trusted partner in the Driftless Area.Emily
Operations Specialist | Fraud Prevention
Division: Operations
Location: Viroqua
Phone: (608) 637-3133
Emily
Emily joined Citizens First Bank in 2022 and uses her social work background to bring empathy and clarity to customers facing stressful financial situations. She’s passionate about the fast‑changing world of fraud prevention and is motivated by the constant opportunity to learn and stay ahead of emerging trends.A Driftless Area native, Emily is active in her church and local sports, and she enjoys contributing to Citizens First Bank’s community initiatives - including helping launch the ongoing school supplies drive in the Viroqua branch.
Zac Hall
Ag Loan Officer
NMLS: 1695198
Division: Lending
Location: Viroqua
Phone: (608) 637-3133
Zac Hall
Zac Hall has been serving farmers and agribusiness owners at Citizens First Bank since 2016. A Graduate School of Banking alum from UW–Madison, he brings both financial expertise and a deep understanding of rural communities to every loan he helps customize. Whether you're financing equipment, expanding operations, or planning for succession, Zac offers competitive rates, flexible terms, and a commitment to long-term partnership. His steady guidance and local insight make him a trusted resource season after season.Jasmine Haynes
Operations Specialist
Division: Operations
Location: Viroqua
Phone: (608) 637-3133
Jasmine Haynes
Jasmine has been part of the banking industry since 2016 and serves as an Operations Specialist supporting credit cards, ACH, and online banking. Her nearly ten years of experience have given her a strong foundation in problem‑solving and customer support, allowing her to guide customers with confidence and care.She loves making customers feel reassured and valued, especially when helping them navigate their banking needs. Building lasting relationships is at the heart of her approach, and her calm, friendly style helps customers feel comfortable asking questions and finding solutions.
A proud Kickapoo Valley native, Jasmine grew up active in FFA and still enjoys taking part in local parades and community events. She’s motivated by the desire to succeed and to be a positive example for her family.
Outside of work, Jasmine can often be found enjoying the outdoors with her loved ones. Whether exploring nature or spending time together as a family, she appreciates the simple moments that make life meaningful.
Nick Kirking
Commercial Loan Officer
NMLS: 2774587
Division: Lending
Location: Viroqua
Phone: (608) 637-3133
Nick Kirking
As a Commercial Loan Officer, Nick Kirking helps local businesses turn financial goals into reality. Born and raised in Viroqua, he understands the pulse of the community and what drives its economy. Whether you're launching a new venture, upgrading facilities, or navigating seasonal cash flow, Nick delivers tailored solutions, responsive service, and a commitment to your long-term success.Emily Larson
Personal Banker
Division: Retail Banking
Location: Viroqua
Phone: (608) 637-3133
Nancy Moeller
Loan Support
Division: Lending
Location: Viroqua
Phone: (608) 637-3133
Nancy Moeller
Nancy Moeller supports the lending team through her work in Loan Documentation. With five years of banking experience and a strong customer service background, she brings reliability and a friendly approach to every interaction. She is active in the community as the Chaseburg President’s wife and through her volunteer work at the Vernon County Fair. Outside of work, Nancy enjoys gardening, sewing, and spending time with family and friends - especially when she can be outdoors among her flowers.Jen Perkins
Marketing Director
Division: Marketing
Location: Viroqua
Phone: (608) 637-3133
Jen Perkins
Jen Perkins leads marketing and brand strategy at Citizens First Bank, with a focus on elevating visibility and celebrating the bank’s deep community involvement.Tom Weston
Executive Vice President | Senior Loan Officer
NMLS: 440335
Divisions: Executive Leadership, Lending
Location: Viroqua
Phone: (608) 637-3133