Waterloo Office
Gregg Mashack
President & CEO NMLS#553822
Division: Executive Officers
Location: Waterloo Office
Phone: (920) 478-7010
Gregg Mashack
Gregg Mashack joined Farmers & Merchants State Bank in 2024, with 25 years of experience in the banking industry, having held key leadership roles in various financial institutions. His knowledge of banking operations, strategic planning, and customer-centric approach will further strengthen our commitment to delivering value and legendary service to our customers.
Outside of work, Gregg Mashack is a family man who enjoys spending quality time with his wife and 14 year old son. An avid outdoorsman, he is passionate about hunting and fishing. Gregg also shares a love for sports, both as a spectator and coach, embodying the spirit of teamwork and camaraderie.
Tim Gerdes
Executive Vice President and CFO
Division: Executive Officers
Location: Waterloo Office
Phone: (920) 478-7014
Tim Gerdes
Tim Gerdes is Farmers & Merchants State Bank's Executive VP and Chief Financial Officer. With over 32 years of banking experience and expertise, Tim brings a wealth of knowledge to his role. He holds a BA in Business Administration with a major in Accounting, as well as an MBA with a major in Finance. Tim's passion for finance extends beyond the workplace. Whether he's traveling to his hometown in Vermont or enjoying a round of golf, he always keeps a close eye on his scorecard and receipts.
Outside of work, Tim's world revolves around spending quality time with his daughter, and he cherishes every moment.
David Stronach
Senior Vice President, Commercial Lending | NMLS ID#615941
Division: Executive Officers
Location: Waterloo Office
Phone: (920) 478-7000
David Stronach
David (Dave) Stronach has been a leader on the F & M team since 2002. As Senior VP of Commercial Lending, David oversees the bank’s lending staff. As a financial Partner For Life he has developed relationships with the business community by providing financing solutions to local business owners.
Dave is an avid sports fan and cheers for ALL the major teams from Wisconsin specifically the Green Bay Packers, Milwaukee Brewers and the UW Badgers (and he has the team-wear to proudly prove it!)
Kyler Kabat
VP, Senior Loan Officer | NMLS ID#1008823
Division: Commercial Lending
Location: Waterloo Office
Phone: (608) 655-1632
Kyler Kabat
Kyler Kabat joined the bank in 2013 as a Mortgage Lender and has since transitioned into a Commercial Lending role. Working with consumers and business owners has given Kyler the work experience to embrace the meaning of “Partner For Life”. It has allowed Kyler to focus on both the customer’s individual and business goals to achieve their long term success. Starting in 2025, Kyler will oversee the Loan Department at Farmers & Merchants State Bank. His leadership and expertise will drive the team's continued success.
When away from the bank, you can find Kyler with his wife Jennifer and their two kids, cheering for the Badgers or hiking outside.
Malinda Weisensel
VP of Operations , CFP®
Division: Operations
Location: Waterloo Office
Phone: (920) 478-7019
Malinda Weisensel
If you’re looking for a Jack of all trades for Farmers & Merchants State Bank, Malinda Weisensel has done it all since joining the team in 2007. Whether it’s been assisting with maintenance and technology support or keeping up-to-date with the ever changing technologies, Malinda does her best to make things clear and understandable for everyone. She takes pride in being a problem solver, and uses her diverse skill set to make sure she finds the solution that is right for each customer.
Malinda and her husband Brett have been married for 18 years and have two daughters, Halle and Kennedy, and one dog. In addition to participating in the bank’s community activities, Malinda also enjoys coaching her daughters’ sports teams. Even though she grew up in Deerfield, she’s happy to live in Marshall, where she loves cheering for the Packers, the Badgers and her daughters’ sports teams.
Brad Chadwick
VP, Mortgage Loan Officer, Private Banker | NMLS ID#615931
Division: Mortgage Lending
Location: Waterloo Office
Phone: (608) 655-1470
Brad Chadwick
Brad Chadwick became a player on F&M retail team in 2007. Being successful in that role, in 2025, Brad transitioned to a new role focused on developing the Private Banking section at Farmers & Merchants State Bank. While taking on this exciting opportunity, he will continue to maintain a strong emphasis on mortgage lending to support our clients' home financing needs.
Brad said that he is fortunate to share a customer’s excitement with them during their financial milestones.
Justine Hellenbrand
AVP, Portfolio Manager
Division: Operations
Location: Waterloo Office
Phone: (920) 478-2184
Justine Hellenbrand
Justine has been with Farmers & Merchants State Bank since 2012. With over 34 years of banking experience, Justine has the knowledge and skill set to ensure the operations of the bank run as smoothly as possible. She also helps keeps the F&M team healthy and fit by leading up the F&M Health Committee. Ask Justine for her egg-bake recipe, you won't be disappointed!
While not at work, Justine enjoys spending time with family and friends at her lake cabin.
Jena Bleeker
AVP - Accounting & Compliance Officer
Division: Operations
Location: Waterloo Office
Phone: (920) 478-7016
Jena Bleeker
Jena Bleecker serves at F & M as their compliance officer which means that she gets to keep everyone in line! On a daily basis she keeps up with the ever-changing rules and regulations of the banking industry. She attends multiple seminars, forums and webinars to accomplish this. She also audits all the different departments of the bank to make sure that those regulations and our own internal procedures are followed.
To Jena, being your “Partner for Life” means that from your first job to retirement, F & M has products and services that will help you through all of life’s stages. When combined with the personal customer service experience found a smaller institution, this makes our bank the only financial “partner” you will need.
In Jena’s free time you will find her relaxing by the lake with her husband and three kids at their cabin up north.
Heather Gretzinger
AVP - Human Resources & Operations Support -SHRM-CP
Division: Human Resources
Location: Waterloo Office
Phone: (920) 478-2181
Heather Gretzinger
Heather Gretzinger provides support for all things human resource and operations at Farmers & Merchants State Bank. Her extensive background in customer service and teammate development pairs well and brings a fresh approach to policies and procedures.
Heather enjoys spending her free time “Up North” where she hits the snowmobile trails and creates memories with her family.
Rachel Geise
Assistant Vice-President of Consumer Banking - NMLS#1105081
Divisions: Personal Bankers, Universal Banking
Location: Waterloo Office
Phone: (920) 478-7012
Rachel Geise
Rachel started on her journey at Farmers & Merchants State Bank back in 2001 as a teller. Over the years, She has mastered various roles, growing from a personal banker to a Universal Banker 2, finally arriving at her current position as Assistant Vice-President of Consumer Banking. It's been an incredible journey of growth and learning within this institution.
Outside the world of banking, Rachel’s heart lies in music. Whether it's enjoying a concert, hitting the dance floor, or belting out tunes at karaoke, count her in. Quality time with her sister and closest friends is invaluable. From cheering on sports teams to relaxed card games, every moment they spend together is filled with laughter and connection.
Robert Helvey
VP - Producing Mortgage Sales Manager - NMLS#: 500030
Division: Mortgage Lending
Location: Waterloo Office
Phone: (608) 655-1471
Robert Helvey
In early 2024, Farmers & Merchants State Bank proudly welcomed Robert Helvey as Vice-President of Mortgage Lending. With over 25 years in the mortgage and banking industry, Robert brings expertise in sales, operations, and underwriting. A lifelong Wisconsin resident, he’s a proven leader known for innovative solutions, customer education, and community involvement. Robert is the Past-President of the Wisconsin Mortgage Bankers Association, an Ironman triathlete, and a UW-Whitewater graduate. He’s excited to enhance F&M’s mortgage services and help customers achieve their homeownership goals.
Board of Directors
Division: Board of Directors
Location: Waterloo Office
Board of Directors
Row 1: Terry Weisensel, Terry Hellenbrand, William Campbell, James Beyer,
Row 2: Kathy Forest, Adriane Stuebs
Row 3: William Hogan, Gene Davis, Andrew Griggs
Lake Mills
Nicki Kelly
VP - Director of Marketing NMLS ID#2112621
Division: Operations
Location: Lake Mills
Phone: (920) 478-7015
Nicki Kelly
Nicki Kelly brings experience and a genuine passion for building strong community connections to her role as Vice President - Director of Marketing at Farmers & Merchants State Bank. With a professional background spanning customer service, mortgage lending, and branch management, Nicki has spent her career helping customers achieve their financial goals and creating meaningful relationships.
In 2025, Nicki transitioned into her current role, where she focuses on promoting F&M’s commitment to the communities it serves. Her deep-rooted love for supporting local organizations shines through in her work, whether collaborating on events, developing creative marketing strategies, or fostering partnerships that make a lasting impact.
Born and raised in Lake Mills, Nicki is proud to call the area home. She lives in Lake Mills with her family, who are the heart of her world. When she's not at work, you’ll find her cheering on her son, volunteering, or enjoying all that the Lake Mills community has to offer.
Laura Viney
Mortgage Loan Originator NMLS#1426317
Division: Mortgage Lending
Location: Lake Mills
Phone: (608) 655-1780
Laura Viney
With over 10 years of lending experience, Laura specializes in guiding first-time homebuyers through the process and navigating complex underwriting guidelines. A proud Deerfield resident, Laura uses her local expertise to provide personalized mortgage solutions. Outside of work, Laura enjoys watching the Green Bay Packers, spending time with her family, and exploring the great outdoors, making her a valuable addition to the F&M team.
Autumn Rennhack
Lead Universal Banker, Assistant Branch Manager - Lake Mills - NMLS#1492628
Divisions: Personal Bankers, Universal Banking
Location: Lake Mills
Phone: (608) 655-1468
Autumn Rennhack
Autumn Rennhack has been a Universal Bankers for the bank since 2017 and assumed a lead role in December of 2019. She is fluent in retail products and is our expert in ID Theftsmart and ClickSwitch. During her time here she has helped in several events in the community school such as Marshall STEAM nights and Waterloo learning events. As part of the Marketing team she represented F & M during the Rivalry on the River events and has volunteered at the Marshall~Waterloo Food Pantry & Weiner & Kraut Day.
When Autumn is not at the bank she enjoys spending time with family, friends and her 2 dogs. She even bakes her own dog treats and brings them for our community dog lovers during the Relay for Life bake sales.
Marshall Office
Scott Cochems
Senior Vice President, Commercial Lending | NMLS ID#1084068
Division: Commercial Lending
Location: Marshall Office
Phone: (608) 655-1473
Scott Cochems
Scott Cochems joined Farmers & Merchants State Bank in 2011 and has more than 20 years of commercial lending experience. As Senior Vice President of Commercial Lending, Scott is responsible for new business development and growing and maintaining the bank’s commercial loan portfolio while remaining a resource for local business owners. Scott furthered his education by graduating from the Graduate School of Banking at UW Madison in 2015. Scott is also an active member of his community’s Rotary.
Scott was born and raised in the Madison area, which gives him a great understanding of that local market. Scott enjoys the outdoors and cheering for the state’s sports teams.