Little Horn State Bank

GRAND OPENING JANUARY 2013

We’re your brand of bank...big enough to help, small enough to care.

Little Horn State Bank Celebrates Grand Opening of New Bank on Central Avenue New bank building represents a substantial investment in the community offering customers full banking services from a professional, friendly staff.

L

ittle Horn State Bank invites customers and members of the community to celebrate the grand opening of its new full-service Billings bank, located at 2900 Central Avenue, just west of Brewer Dental, the week of January 21 through the 25.

The new facility is the end result of consolidating Little Horn State Bank branches in Lockwood and Billings into one modern, efficient building. The new bank is designed to provide a great banking experience through knowledgeable bankers who offer a variety of financial services and conveniences, including innovative loan packages, remote deposit capture, and other electronic business banking services. Meanwhile, the staff

is obsessed with delivering sound bank- at 2209 Central Avenue in Billings. In ing practices and personalized customer 2007, construction was completed on a service. new building in Hardin, located at 835 North Center. In 2011, in order to more “The consolidation allowed us to put efficiently serve the Billings market, the all of our talent in one convenient loca- Bank’s board of directors decided to tion,” said Little Horn’s President and merge the two existing Billings branches Chief Executive Officer Elect Andy Rio. and relocate.

“It also allowed us to provide better services and more products.”

Rio said that although the bank has fewer locations, Little Horn State Bank Little Horn State Bank was founded remains a full service bank with local in 1919 on the principle of ‘commit- ownership and decision making that alment to the community’ - a value that lows quick and flexible response to the Rio said is still important to the board needs of the customers. “Little Horn of directors and bank employees today. State Bank is proud to serve Yellowstone In 1966, Little Horn State Bank moved and Big Horn Counties and the surfrom its original home in Wyola to the rounding area with the same friendly county seat of Hardin. In 1997, the hometown atmosphere that’s become our Bank opened a branch in Lockwood and, trademark.” in 2002, a third branch was established

Congratulations Little Horn State Bank!

GLASS inc. glass • doors • door hardware • shower doors • CommerCial storefront

1233 cordova st. • billings, mt • 259-1352 • 1-800-221-8832 www.associatedglass.com

2

Congratulations!

Little Horn State Bank 406-656-6100 1-877-325-6100

www.BrewerDentalCenter.com

Little Horn State Bank

Ag-inspired, energy smart.

T

he new Little Horn State Bank designed by Collaborative Design Architects and built

by Hardy Construction, features a contemporary two-story floor plan with rustically inspired touches. It was important to Bank President Andy Rio and the Atkins family owners to retain a close-knit sense of community while modernizing some of the bank’s services.

As a family-owned bank based out of Big Horn County, the architects patterned the building on rural agricultural forms; although, the materials and windows were designed to give the building a more contemporary allure. With the finished basement, the new building is more than 9,000 square feet.

The building’s design has a fresh, stately appeal, with contemporary hues of terra cotta and sandstone, topped with a steep slate grey roof.

The unique energy-efficient exterior siding is a product called Swiss Pearl, a cement board that is installed in such a way as to form a “rain screen” on the exterior of the building.

See Ag-inspired page 4

(Larry Mayer of the Gazette Staff)

COLLABORATIVE DESIGN 2280 GRANT ROAD SUITE C

BILLINGS, MT 59102

406.248.3443

DEFINING EASTERN MONTANA MODERN DESIGN Little Horn State Bank

3

Ag-inspired

Continued from page 3

A rain screen is the exterior weatherfacing surface that stands off from the moisture-resistant surface of the structural backup wall. The rain screen is the first interruption between conditions that exist on the outside of the building and conditions that are required on the inside. The air gap in a rain screen allows the circulation of air across the vapor barrier that helps remove condensation and directs water away from the interior.

Windows throughout the building provide abundant natural light and glimpses of the Pryor Mountains to the south, the Rimrocks to the north and the Beartooths to the west.

The atrium and main floor are outfitted in cherry wood furnishings and matching trim, which complement the cream-and-beige-colored walls. A striking maple railing leads customers upstairs, which houses the Board Room and additional offices. Accented in natural wood grains throughout, customers will take note of the bank’s rustically refined sentiment.

With a customer base rooted in the agriculture industry, five extra-wide drive-thru lanes were designed to accommodate large trucks and SUVs. The drive-thru lanes are on the east side of the bank next to a convenient expanded parking lot.

The dramatic two story lobby has large south-facing windows with exterior louvers. The shades block the summer sun before it can enter the building, preventing excessive heat gain.

(Larry Mayer of the Gazette Staff)

Congratulations Little Horn State Bank

We are proud to be involved with this project!

2915 Hannon Rd.

406-245-6100

4

Providing Quality Concrete Production for over 30 Years Congratulations Little Horn State Bank!

Little Horn State Bank

Old West Values Guide LHSB into 21st Century Little Horn State Bank is a locally owned full-service financial institution offering fast, friendly, professional service.

L

ittle Horn State Bank was founded in Wyola, Montana, in 1919 by a small group of people who wanted to start a bank that provided farmers and ranchers with a reliable community-minded financial institution. The bank flourished, and word spread that Little Horn State Bank employees listened to their customers’ needs and responded quickly. Commitment to community was the principle upon which Little Horn State Bank was founded, and that philosophy continues today.

roots deep into the community. This strategy served the bank well throughout the years, helping Little Horn weather the Great Depression, World War II, and a plethora of state, national and global economic challenges.

In 1966, Little Horn State Bank moved from Wyola to Hardin. In 2002, a branch was established in Billings. Meanwhile, it became clear that Little Horn State Bank had outgrown its Hardin facility and, in 2007, construction was completed on a new building for the bank’s Hardin customers. The new building reflects the charm of the old Little Horn State Bank officials knew, west and features authentic wrought iron 93 years ago, that in order to succeed in re- teller cages, wooden banisters and boardtail banking, they would have to sink their walks.

Little Horn was founded on the principles cherished by farmers and ranchers in Montana and Wyoming. In keeping with the old west tradition, the bank preserves both the values of the west and a commitment to integrity in all areas of banking. The board of directors’ decision to relocate to a new building on Central Avenue upholds the bank’s commitment to providing outstanding banking services and customer outreach to the communities it serves.

Family-Owned Bank Continues to Improve on 93 Years of Excellent Service Little Horn State Bank is owned by a Montana family with deep roots under the Big Sky. Between 1949 and 1970 Theresa and Clarence Beck owned and operated hardware stores in Hardin, Cutbank and Shelby, building a nest egg that, by 1971, was large enough to purchase controlling interest in Little Horn State Bank.

Board of Directors Doug Atkins Bonnie Atkins Daina Green Paul Green

Cal Northam Marilynn Miller Andy Rio

In 2012, Little Horn State Bank board members and employees broke ground for the bank’s new building at 2900 Central Avenue.

(Larry Mayer of the Gazette Staff)

Little Horn State Bank

5

Meet Our Team!

Joe Kurkowski (Vice President, Chief Credit Officer, Commercial Lender)

Al McCormick (Senior Vice President and Chief Credit Officer)

As Vice President, Chief Credit Officer, and Commercial Lender, Joe thinks out-of-the-box, offering innovative and effective programs for our banking customers’ fi nancing needs. Born and raised in Montana, Joe applies 32 years in the banking business to combine creativity and sound banking practices which result in commercial and general loans that work for the client.

Community is what it is all about for Al McCormick. Serving as past president of the NILE board of directors, or overseeing the credit quality policies for the Billings and Hardin branches, Al believes in community involvement. As Senior Vice President and Chief Credit Officer, Al makes sure the bank employs sound lending practices. Thirty-two years in the banking business gives Al the credentials to monitor the bank’s credit quality and policies. Twenty-six years as a community volunteer earns him loyal clients who know Al as a friend.

Laurie Hufnagel (Real Estate Lender) Laurie Hufnagel personifies Little Horn State Bank’s unwritten Good Neighbor policy. Clients are like family to her…and from the moment she meets you, Laurie offers warm, personalized service. Whether you are purchasing a new home, fulfilling a lifelong dream to build that retirement hideaway, or leveraging years of home equity to meet another goal, Laurie works with you to create a strategic approach – one that positions your home as a solid foundation supporting your long-term plans.

Dawn Schwindt (Branch Manager) Dawn Schwindt’s name is synonymous with excellent customer service.

Whether you need a car loan or a personal loan, Dawn will work to create a fi nancing plan that meets your needs. She has been in the banking business for 20 years – ten of those at Little Horn State Bank. She knows how to walk you through the loan process, and often goes the extra mile to ensure customer satisfaction.

Kendra McAnulty (Personal Banker)

With 18 years’ experience, Kendra McAnulty knows banking. Over the years she has developed strong working relationships with many of the bank’s customers. As your personal banker, Kendra believes a friendly, caring approach is good for the customer...and good for business.

MECHANICAL/ELECTRICAL PROFESSIONAL ENGINEERS www.coneer.com

Congratulations

Little Horn State Bank on Your New Building!

6

Cheryle Fisher (Loan Administrative Officer) Cheryle Fisher brings a broad spectrum of experience to her job as Loan Administrative Officer. She has been in the banking business for 20 years and is skilled in all areas of operations and lending. Cheryle does not forget about people after they have signed on the dotted line. She believes in following up with her customers to ensure they are comfortable with the loan process – from beginning to end.

Matt Torske (Agriculture and Commercial Lender) Matt Torske grew up on a farm near Hardin and, as Little Horn State Bank’s Agriculture and Commercial Lender, he can walk it like he talks it. Matt brings a neighborly touch to fi nancial transactions because he is working with friends and community residents he has known all his life. The comfortable Old West look of LHSB’s Hardin branch combined with Matt’s lending expertise make customers feel right at home.

Cori Watson (Consumer/ Real Estate Loan Officer) Trust is the name of the game for Cori Watson. She has been with the Hardin branch of Little Horn State Bank for eight years, and as the Bank’s Consumer/Real Estate Loan Officer, Cori views her customers as extended family. Whether she is working on personal loans or providing in-house real estate loans, Cori creates a bridge of trust between the bank and its customers, often going the extra mile to help a client understand the fi nancing process.

THANK YOU liTTle HOrN sTATe bANK For choosing us to be a part of your project.

1402 Central Ave • Billings, Montana 59101

Little Horn State Bank

President Embodies Bank’s Values

P

From professional photographer to FDIC bank examiner to CEO-elect for Little Horn State Bank, President Andy Rio upholds the bank’s values of integrity in banking, tradition, and community.

icture this! Born in Plentywood to Raymond farmers, Andy Rio, President/CEO-elect of Little Horn State Bank, started out as a photojournalist. Trained in photography while serving in the Army, Rio established and operated a successful photography business in San Francisco from 1968 to 1983.

In 1978, he married and started a family.

Then, in 1983, Rio returned to college and earned a degree in organizational behavior from the University of San Francisco. In 1985, he launched a second career with the FDIC, leaving as a bank examiner after 22 years. In 2008, he joined Little Horn State Bank as President and CEO Elect.

“It felt like I was home,” said Rio, reminiscing about his first impressions of Little Horn State Bank. “The bank’s commitment to personally get to know every single customer at both its Hardin and Billings’ branches made it clear to me why so many area residents choose to bank here.”

Rio embodies the bank’s values of integrity in banking, tradition, and community. He is proud of the fact that even in their new home at 2900 Central Avenue, all the Little Horn State Bank employees still serve up a heaping dose of hometown neighborliness to each client who walks through the door. “We’re big enough to help, but small enough to care,” said Rio, “and that is exactly what we will continue to be.”

(Casey Page of the Gazette Staff)

A special thank you to all the subcontractors and material providers that helped make this project a success!

Quality *** Experience *** Craftmanship *** Teamwork *** Respect Little Horn State Bank

PROUD TO HAVE BEEN SELECTED AS THE GENERAL CONTRACTOR Little Horn State Bank

Illustration by Collaborative Design Architects

420 N. 25th St. BilliNgS, Mt 59101 406-252-0510 www.hardymt.com

Three generations providing construction services since 1953 7

8

Little Horn State Bank