Little Horn State Bank

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

GRAND OPENINGJANUARY 2013

2 Little Horn State Bank

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

ittle Horn State Bank invites customers and members of the com-munity 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, effi cient building. The new bank is designed to provide a great bank-ing experience through knowledgeable bankers who offer a variety of fi nancial services and conveniences, including in-novative loan packages, remote deposit capture, and other electronic business banking services. Meanwhile, the staff

is obsessed with delivering sound bank-ing practices and personalized customer service.

“The consolidation allowed us to put all of our talent in one convenient loca-tion,” said Little Horn’s President and Chief Executive Offi cer Elect Andy Rio. “It also allowed us to provide better ser-vices and more products.”

Little Horn State Bank was founded in 1919 on the principle of ‘commit-ment to the community’ - a value that Rio said is still important to the board of directors and bank employees today. In 1966, Little Horn State Bank moved from its original home in Wyola to the county seat of Hardin. In 1997, the Bank opened a branch in Lockwood and, in 2002, a third branch was established

at 2209 Central Avenue in Billings. In 2007, construction was completed on a new building in Hardin, located at 835 North Center. In 2011, in order to more effi ciently serve the Billings market, the Bank’s board of directors decided to merge the two existing Billings branches and relocate.

Rio said that although the bank has fewer locations, Little Horn State Bank remains a full service bank with local ownership and decision making that al-lows quick and fl exible response to the needs of the customers. “Little Horn State Bank is proud to serve Yellowstone and Big Horn Counties and the sur-rounding area with the same friendly hometown atmosphere that’s become our trademark.”

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3Little Horn State Bank

COLLABORATIVE DESIGN2280 GRANT ROAD SUITE C BILLINGS, MT 59102 406.248.3443

DEFINING EASTERN MONTANA MODERN DESIGN

Little Horn State Bank CelebratesGrand Opening of New Bank on Central Avenue

Ag-inspired, energy smart.he new Little Horn State Bank designed by Collaborative Design Architects and built by Hardy Construction, features a contem-porary two-story fl oor 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 mod-ernizing 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 fi nished base-ment, the new building is more than 9,000 square feet.

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

The unique energy-effi cient 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.

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(Larry Mayer of the Gazette Staff)

See Ag-inspiredpage 4


Congratulations Little Horn State Bank!

Providing Quality Concrete Production for over 30 Years2915 Hannon Rd.406-245-6100

We are proud to be involved with this project!

CongratulationsLittle Horn State Bank

Ag-inspiredContinued from page 3Ag-inspiredContinued from page 3

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)

A rain screen is the exterior weather-facing surface that stands off from the moisture-resistant surface of the struc-tural backup wall. The rain screen is the fi rst interruption between condi-tions that exist on the outside of the building and conditions that are re-quired 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 build-ing 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 fl oor are outfi t-ted in cherry wood furnishings and matching trim, which complement the cream-and-beige-colored walls. A striking maple railing leads custom-ers upstairs, which houses the Board Room and additional offi ces. Accented in natural wood grains throughout, customers will take note of the bank’s rustically refi ned sentiment.

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


Old West Values Guide LHSB into 21st CenturyLittle Horn State Bank is a locally owned full-service financial institution

offering fast, friendly, professional service.

ittle Horn State Bank was founded in Wyola, Mon-tana, in 1919 by a small group of people who wanted to start a bank that provided farmers and ranchers with a reliable community-minded

fi nancial institution. The bank fl ourished, 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.

Little Horn State Bank offi cials knew, 93 years ago, that in order to succeed in re-tail banking, they would have to sink their

roots deep into the community. This strat-egy 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 chal-lenges.

In 1966, Little Horn State Bank moved from Wyola to Hardin. In 2002, a branch was established in Billings. Meanwhile, it be-came clear that Little Horn State Bank had outgrown its Hardin facility and, in 2007 , construction was completed on a new build-ing for the bank’s Hardin customers. The new building refl ects the charm of the old west and features authentic wrought iron teller cages, wooden banisters and board-walks.

Little Horn was founded on the prin-ciples 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 commit-ment 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 outstand-ing banking services and customer outreach to the communities it serves.

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

(Larry Mayer of the Gazette Staff)

Little Horn State Bank is owned by a Montana family with deep roots un-der 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 pur-chase controlling interest in Little Horn State Bank.

Doug AtkinsBonnie AtkinsDaina GreenPaul Green

Cal NorthamMarilynn Miller

Andy Rio

Board of Directors

Family-Owned BankContinues to Improve on

93 Years of Excellent Service


MECHANICAL/ELECTRICALPROFESSIONAL ENGINEERS

www.coneer.com

CongratulationsLittle Horn State Bank on Your New Building!

THANK YOUliTTle HOrNsTATe bANKFor choosing us to be apart of your project.

1402 Central Ave • Billings, Montana 59101

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 Offi cer, 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.

Al McCormick (Senior Vice President and Chief Credit Offi cer)

Cheryle Fisher brings a broad spectrum of experience to her job as Loan Administrative Offi cer. She has been in the banking business for 20 years and is skilled in all areas of operations and lending. Cheryle does not for-get 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.

Cheryle Fisher (Loan Administrative Offi cer)

Dawn Schwindt’s name is synonymous with excellent customer service. Whether you need a car loan or a personal loan, Dawn will work to cre-ate 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.

Dawn Schwindt (Branch Manager)

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.

Kendra McAnulty (Personal Banker)

Laurie Hufnagel personifi es 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, fulfi lling a lifelong dream to build that retire-ment 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.

Laurie Hufnagel (Real Estate 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.

Matt Torske (Agriculture and Commercial Lender)

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 Offi cer, 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.

Cori Watson (Consumer/ Real Estate Loan Offi cer)

Meet Our Team!

As Vice President, Chief Credit Offi cer, 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.

Joe Kurkowski (Vice President, Chief Credit Offi cer, Commercial Lender)


Three generationsproviding constructionservices since 1953

420 N. 25th St. BilliNgS, Mt 59101406-252-0510 www.hardymt.com

PROUD TO HAVE BEEN SELECTEDAS THE GENERAL CONTRACTOR

Little Horn State Bank

Illustration by Collaborative Design Architects

A specialthank youto all the

subcontractorsand materialproviders thathelped makethis projecta success!

Quality***

Experience***

Craftmanship***

Teamwork***

Respect

President Embodies Bank’s Values

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 success-ful 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 Uni-versity 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 fi rst 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 home-town 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 ex-actly what we will continue to be.”

PFrom 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 com-munity.

(Casey Page of the Gazette Staff)


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Little Horn State Bank