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Our Mission

"We seek to satisfy the needs of our customers, community, and employees by providing the best source of financial service products in our market, while maintaining financial strength, adequate earnings, leadership, and integrity."


History

The First National Bank of Milaca is a family-owned community bank headquartered in Milaca, Minnesota, with $217 million in total assets. The Bank was founded in 1897 and today has four offices located in Milaca, Isle, Gilman and Zimmerman, focused on serving retail customers and business firms in the communities it serves. Milaca is located approximately 60 miles north of the Twin Cities in Mille Lacs County. Gilman is located in Benton County, approximately 15 miles west of Milaca. Isle is located on the east side of Lake Mille Lacs, also in Mille Lacs County. The Zimmerman office is located about 25 miles south of Milaca and approximately 35 miles north of Minneapolis in Sherburne County.

The Bank has a strong history and tradition of service in the communities where it is located. The Bank has a passion for these communities and has earned a loyal customer following in well-established locations.

First National Bank of Milaca’s business model is to offer a full range of personal and commercial banking services to its customers. The Bank is committed to continue on the path of balanced growth and profitability.

President's Welcome

Joe Tapp - President

"Serving your financial needs is our business."

First National Bank of Milaca has grown considerably since it was founded in 1897. We are now providing financial services to many generations of families to help fulfill their financial goals and dreams. We are proud of our accomplishments and the things that make us unique, including our emphasis on customer service, technology and community involvement. Inspired by our history and motivated by the vision of being the best source of financial service in our market, we look forward to a strong future.

I want to thank you for visiting our web site and thank you for your business. If you are not a customer of First National Bank of Milaca, I would like to personally invite you to join us and see how we can help you with your financial goals and dreams. We hope that you THINK OF US FIRST for any of your financial needs!

Sincerely,

Joe Tapp
President
NMLS # 807509

Meet Our Sales Staff

  • Milaca 320-983-3101
  • Isle 320-676-3154
  • Gilman 320-387-2233
  • Zimmerman 763-856-3626

CEO/President

Joe Tapp – photo

Joe Tapp

Milaca Office
CEO/President
NMLS # 807509
320-983-1344


Consumer Lenders

Cindy Biederman – photo

Cindy Biederman

Milaca Office
Consumer Lender, AVP
320-983-1372

Zeb Dehler – photo

Zeb Dehler

Isle Office
Consumer Lender
320-676-3154

Pam Kragt – photo

Pam Kragt

Zimmerman Office
Consumer Lender
NMLS # 1855116
763-260-7176


Mortgage Lenders

Jill Brenny – photo

Jill Brenny

Milaca Office
Mortgage Lender, Asst. Cashier
NMLS # 1290776
320-983-1342

Megan Westling – photo

Megan Westling

Isle Office
Mortgage Lender, Asst. Cashier
NMLS # 1622645
320-676-3154


Commercial Lenders

Terry Bergstrom – photo

Terry Bergstrom

Milaca Office
Commercial Lender, EVP
NMLS # 799921
320-983-1346

Brett Freese – photo

Brett Freese

Milaca Office
Commercial Lender, AVP
NMLS # 799936
320-983-1353

Rachelle Nelson  – photo

Rachelle Nelson

Milaca Office
Commercial Lender, AVP
NMLS # 775510
320-983-1358

Roger Tramm – photo

Roger Tramm

Isle Office
Commercial Lender, VP
NMLS # 799980
320-676-3154

Barry Madison – photo

Barry Madison

Isle Office
Commercial Lender
320-676-3154

Carol Veurink – photo

Carol Veurink

Zimmerman Office
Commercial Lender, VP
NMLS # 1279986
763-260-7175


Agricultural Lenders

Jim Neely – photo

Jim Neely

Milaca Office
Ag Lender, VP
NMLS # 799953
320-983-1354

Dustin Krotzer – photo

Dustin Krotzer

Gilman Office
Ag Lender, Asst. Cashier
NMLS # 1116815
320-387-3081


Customer Service

Stephanie Halstead

Milaca Office
Customer Service Rep, Asst. Cashier
320-983-1326

Julie Norrgard

Milaca Office
Customer Service Rep
320-983-1323

Roxie Staricha

Isle Office
Customer Service Rep, Asst. Cashier
320-676-3154

Tracy Norrgard

Gilman Office
Universal Banker
320-387-2233

Pam Kragt

Zimmerman Office
Personal Banker
763-260-7176


Marketing

Traci Otten

Milaca Office
Marketing Director
320-983-1355