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Executive Management Team


Thomas L. Criswell President and Chief Executive Officer
Lisa M. Winterlin Senior Vice President - Chief Financial Officer
John T. Kustes Executive Vice President - Chief Operating Officer
John K. Benoit, Jr. Executive Vice President – Trust & Investment Management
Andrew J. Guzzo Executive Vice President – Retail Banking
Dan P. Jaros Senior Vice President – Chief Lending Officer
Charles Sorensen Senior Vice President – Consumer Lending


Officer Profiles

Thomas L. Criswell serves as President and Chief Executive Officer of the Bank.  In addition, he also serves as Board Member at both the Bank and Holding Company levels.  Mr. Criswell brings over thirty-four years of experience in the financial services industry to American Bank and Trust, most recently as President of a similarly-sized Midwestern bank. Mr. Criswell received his B.A. in Finance at the University of Illinois. His involvement in community includes serving as Executive Ambassador and Professional Advisory Council for OSF St. Joseph’s Hospital.
Lisa M. Winterlin serves as Senior Vice President and Chief Financial Officer of the Bank.  She joined the Bank in May 2012. Mrs. Winterlin is a certified public accountant and earned a Bachelor of Accounting degree from St. Ambrose University.  She oversees all aspects of financial and risk management operations for the bank and holding company, serves as Corporate Treasurer and Chair of the ALCO committee.  Mrs. Winterlin brings over 20 years of experience in accounting, finance and tax, 5 years of which she served over 20 Midwestern community bank clients.
  John T. Kustes serves as Chief Operating Officer and Executive Vice President.  His functional management responsibilities include board secretary, cashier, security officer, and overall bank operations.  Mr. Kustes is a certified public accountant and earned both his bachelor's and MBA degree from the University of Illinois at Urbana-Champaign.  He also holds an Operations Certificate from the BAI School for Bank Administration.  Mr. Kustes joined the bank in 2006, and has over 39 years of bank management and operations experience in the Quad Cities metropolitan area. 
John K. Benoit, Jr. John K. Benoit, Jr. serves as Executive Vice President - Trust Manager. Mr. Benoit earned his BA degree from Drake University and is both a certified trust professional and a certified senior financial advisor. He previously served as Vice President of trust services at Norwest Bank, N.A. Mr. Benoit has over 35 years of experience in banking, trust and wealth management.

Andrew J. Guzzo serves as Executive Vice President, Retail Banking. Mr. Guzzo earned his Bachelor of Business Administration degree from St. Ambrose University. He has over 20 years of sales management and business development experience. He previously served as Vice President of Sales for a division of U.S. Foodservice, Inc.


Dan P. Jaros serves as Senior Vice President and Chief Lending Officer. Mr. Jaros joined the Bank in 1998.  He earned a bachelor’s degree in Economics from the University of Iowa, and graduated from the ABA Commercial Lending School and the Pacific Coast Banking School at the University of Washington.  His responsibilities include oversight of the Bank's lending activities.


Charles E. Sorensen serves as Senior Vice President and Consumer Loan Manager. Mr. Sorensen double majored, earning his BSS degree in Business and Economics and Physical Education from Cornell College in Mount Vernon, Iowa. Mr. Sorensen has over 22 years of lending experience of which the past 11 years have been in banking.