


Mark has nearly 40 years of banking experience with over half of them assisting local businesses with their lending needs. Earlier in Mark’s banking career he was a branch manager helping customers with consumer and residential loans. With his breadth of knowledge and diverse commercial background, Mark works with business customers of all sizes in Allen, Putnam, Van Wert, Auglaize and Shelby counties. Mark attended Rhodes State College at OSU on the Lima Campus and attended the Graduate School of Banking at the University of Colorado. Mark and his wife have three children and three grandchildren.

Justin has over 20 years of banking and commercial lending experience. He works with clients in the tri-state area (Ohio, Michigan, Indiana) in a variety of businesses. He has sat on boards for the United Way of Wood County, Children’s Hunger Alliance, Rotary International of BG, as well as The Bowling Green Chamber of Commerce. `He graduated from Bowling Green State University with an M.B.A. He is married with 4 kids and they have lived and worked in Wood County for the past 17 years. He has coached his kids in football, basketball, baseball and softball and enjoys cheering them on in all they do. He also is an active member of H20 church in Bowling Green.


John has 27 years of experience in lending—commercial and agriculture. John has lived in Bowling Green his whole life and is extremely dedicated to the community. He graduated from The College of Business Administration at Bowling Green State University, and he is currently a board member of the City of Bowling Green Revolving Loan Fund. He is also a lifelong member of St. Aloysius Church in Bowling Green where he is the president of the finance council, and he operates a 4th generation family farm north of BG. John is married, has two children, and outside of these endeavors loves to attend his children’s sporting events and work on the farm.








Business Education
- Employee salaries
- Rent
- Electricity, heating, air conditioning and fuel
- Paper and other supplies
- Purchasing or leasing operating equipment
- Decorating or remodeling costs
- Legal and professional fees
- Insurance
- Taxes
- Machinery and power tools
- Business plan
- Balance sheet and income statement
- Cash flow projections
- Profit and loss reports
- Personal financial statements for all business partners
- Credit report
- Personal income tax returns
- Information on business debts
- Ability to repay
- Credit history
- Earnings and savings
- Collateral
- Purpose of the loan
- Payment history
- The amount of credit you're using compared to the amount of credit you have available.
- Business size
- Credit mix
- Less initial expense.
- Easier to upgrade, especially if technology is a factor.
- Higher overall cost.
- Required to pay for the entire lease period whether you use the equipment or not.
- Gain ownership, thus increasing assets that can be used as collateral for other financing.
- Tax incentives, consult your tax professional regarding depreciation deductions.
- Higher initial expense, could require a down payment of about 20%.
- How will this purchase add value to your business in the long term?
- Will it improve productivities and lead to increase profits?
- Does current equipment need upgraded in order for you to stay competitive in your market?
![]() Our Commercial Lenders are truly relationship bankers, and they are ready to get to know you and your business.
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![]() Small businesses have a variety of SBA and other governmental lending programs available to them, and our SBA Team can help.
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