Meet the Team

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Learn More About the Staff at Heartland Bank

A well trained, knowledgeable and friendly staff is what makes us...well, us. The staff at Heartland Bank is ready to help you with whatever you need, from checking and savings accounts to business, ag or real estate lending needs. Take a moment to get to know our staff members, then come see us today at your nearest Heartland Bank location.

  • Gowrie

  • Kevin M. Black

    Kevin M. Black

    President and CEO

    NMLS: #760379

    Location: Gowrie Phone: (515) 352-3181 Get in touch with me

    Heartland Bank’s President and Chief Executive Officer Kevin Black is dedicated to the philosophy of having each Heartland Bank employee provide the highest level of customer service. In fact, our value statement We Work For You.... is the way we do business. We are here for you and want to create a lasting long-term, first-name relationship with all our customers.

    A native of Somers, Iowa, Kevin has worked at Heartland Bank since 1983. His present and past community involvement includes the Gowrie Development Commission, Gowrie Kiwanis, Gowrie Jaycees, Prairie Valley School Board, Gowrie City Treasurer, and Prairie Valley Athletic Booster Director. Kevin received his bachelor’s degree from Iowa State University where he majored in ag business and earned a minor degree in farm management. Kevin has completed the Graduate School of Banking in Boulder, Colorado. 

    Kevin has strong feelings about delivering the highest level of customer service in the area. “Good customer service is exceeding the expectations of the customer, and that is what Heartland Bank strives to do."  He invites you to experience the way we do business.

  • Tommy Halligan

    Tommy Halligan

    Credit Analyst

    NMLS: #1649168

    Location: Gowrie Phone: (515) 352-3181 Get in touch with me

    Tommy is a Credit Analyst for Heartland Bank. He joined the bank in the summer of 2017. Tommy has worked as an intern with the bank for a few years previous to 2017 and has insurance experience from Nationwide. He is chair of the Gowrie Community Fund for the Gowrie Development Commission.


    Tommy has a bachelor’s degree in Agricultural Business from Iowa State University. He enjoys working at a community bank in a small, rural town with incredible people around. Tommy and his wife reside in Gowrie with their daughter. “I’m excited for the opportunity to work at such a great bank with great people.”

  • Callender

  • Steve Tucker

    Steve Tucker

    Vice President, Loan Officer

    NMLS: #760399

    Location: Callender Phone: (515) 548-3223 Get in touch with me

    Steve is Vice President and Office Manager of the Callender location.  Steve joined Heartland Bank in 2004 and has had 16 years of banking experience prior to joining Heartland Bank.  He is a board member of Patrons Mutual Insurance.


    Steve has a BS degree in Accounting and completed the Graduate School of Banking in Madison, WI.  Steve enjoys working at Heartland Bank as he is able to treat his customers how he would like to be treated.  "Whatever your financial needs may be, we are here to help."

  • Somers

  • Annette Zinnel

    Annette Zinnel


    Location: Somers Phone: (515) 467-5561 Get in touch with me

    Annette Zinnel is currently Cashier with Heartland Bank. Annette grew up in Gowrie and currently lives in rural Farnhamville with her husband and children. Annette graduated from Buena Vista with a Bachelors in Accounting and Business Management and also from Iowa State University with a Masters in Business Administration.

    She enjoys being outdoors with her family, swimming in their pool, and being involved in their children's sports activities. Annette's education and hard work ethic show up in many ways at Heartland Bank.

  • Manson

  • Randy Besch

    Randy Besch

    Vice President, Loan Officer

    NMLS: #760315

    Location: Manson Phone: (712) 469-2800 Get in touch with me

    Randy is Vice President and Office Manager for the Manson location.  Randy and wife, Denise, have three children and are long time residents of Manson area for eighteen years.


    Randy is currently in charge of the Golf League at the Manson Golf Course and is an active member at St. Thomas Church and Knights of Columbus.  He serves on the Manson Area Community Rec Center Board.  Randy enjoys being the voice of the MNW Cougars Football and Basketball games.


    Randy strives to help customers with the flexibility of meeting them outside of the normal bank lobby hours as he understands how hectic schedules can be for his customers.  He wants to be your financial and insurance partner.

  • Russell J. Ruhland

    Russell J. Ruhland

    Vice President, Compliance and Deposit Operations

    Location: Manson Phone: (712) 469-2800 Get in touch with me

    Russ is Vice President overseeing the bank’s compliance and deposit operations.  He joined Heartland Bank in 2012 and has over 27 years of banking experience.  Russ is a member of the St. Paul Lutheran Endowment Committee and IBA Compliance Board..


    He has a BA degree in Banking and Finance and completed the Graduate School of Banking in Boulder, CO.


    Russ' philosophy in banking is that the customer always comes first!

  • John Rosenboom

    John Rosenboom

    Vice President, Ag Loan Officer and Crop Insurance Sales

    NMLS: #760389

    Location: Manson Phone: (712) 469-2800 Get in touch with me

    John came to Heartland Bank in 2010 bringing with him a lifelong experience in the farming industry.  He has had careers at a large farm machinery manufacturer and one of the top grain elevators in Iowa, bringing years of experience in the field of agriculture to Heartland Bank.  John is a fifth generation corn and soybean producer between Manson and Pomeroy and enjoys sharing the farm experience with his family.  John and his wife are raising their four children on their multi-generation family farm.


    “I have always thought of the banker as another implement needed to get the job done and am a multi generation Heartland Bank customer myself.  I look forward to building a lasting relationship with my customers, working with them to achieve their long term goals and being there when those goals are accomplished.”

  • Joan Smith

    Joan Smith

    Data Processing Supervisor

    Location: Manson Phone: (712) 469-2800 Get in touch with me

    Joan is currently a Data Processing Supervisor in Manson and has worked with Heartland Bank since 2002.


    She and her husband David have two children. They live on an acreage outside of Manson where Joan enjoys spending time with her family.

  • Beth Goodwin

    Beth Goodwin

    Assistant Cashier

    Location: Manson Phone: (712) 469-2800 Get in touch with me

    Beth is currently an Assistant Cashier at the Heartland Bank in Manson and has been with Heartland Bank since 1997.  Beth grew up in Manson where she still lives with her husband and youngest child.  She has two grown children and a grandson.  She enjoys spending time with family and friends and going camping.


    Beth prides herself on giving her customers the best customer service, every day.