Lender Directory

My lending portfolio consists of Ag, Commercial, Residential, and Business loan products. I have a strong background in real estate, both in sales and in lending that will aide you in building or financing your dream home. As the son of a coach, I pride myself in finding the best product to fit your goals, dreams, needs and wants, while helping you get there.  As an employee of Peoples Bank, I have access to a great team of lenders and management that will provide you with respect and top-notch service from day one. I am a proud graduate of Iowa State University and Iowa native. My wife and I chose to build a home and reside in Adel because of the community size, quality school system, and location to the metro. We enjoy traveling, golfing, and attending concerts.

Denise Paustian, who has worked with Peoples Bank since April 2007, has accrued more than 19 years of experience in total. She is someone who is known for fostering her employees' development and taking an active interest in the well-being of the people around her. Through her involvement in the Cash Management/Treasury Management program at Peoples Bank, she has earned a reputation for attentiveness and identifying timesaving solutions for her customers. A people person by nature, she builds account relationships and connects businesses and individuals to financial resources.

In the course of her career, Denise has taken part in seminars run by Iowa Bankers Consumer Credit School, Iowa Bankers Deposit Account Workshop, And Collins Fritz IRA / HSA. She sits on the Risk Management Committee as well as the Training Committee at the Bank.

Denise currently serves as the Treasury Management Specialist in Clive. A mother of two and a grandmother of four, she enjoys quilting, attending estate sales, riding her bike, and walking her dog Zoey in her free time. Other pastimes include cooking and spending time with her loved ones.

I am a solution oriented Manager & Commercial Banker that can assist you or your clients with professional and honest banking knowledge and advice. My focus is on Commercial Lending and management of a team of professional Commercial Bankers. I have completed over a 100 million dollars in purchase (Equipment and Commercial Real Estate), refinance (Operating Lines of Credit and Commercial Term Loans) and start-up funding (SBA and Conventional) over my 20+ year career. I can assist you in all aspects of commercial banking from business plan review to understanding bank loan structure and documentation requirements.
Specialties: Owner Occupied CRE, Commercial & Industrial and Multi-Family lending.

I have been in the banking/home finance industry since 2002. I was born and raised in West Des Moines and now live in Clive with my wife, Emily and our 3 children. We enjoy spending time at the Clive Aquatic Center, Downtown Farmer’s Market, and are fortunate to have all of our extended family right here in the Des Moines area.

I specialize in first mortgage purchase, construction and refinance transactions of all types and sizes. At Peoples Bank, we have access to some of the best mortgage programs and interest rates in the industry. As my client, you will receive exceptional service, with an honest, upfront approach. I will keep you informed every step of the way and ensure a smooth transaction, from beginning to end.

I am a graduate of Central College in Pella, Iowa.  I spent five years working for West Central Cooperative in Jefferson and Scranton as an Agronomist where I actively worked with growers on recommendations around operations and pricing strategies to allow for more overall profitability.  Currently, as an Ag Lender, I offer my previous expertise and passion for farming industry in Greene County and surrounding markets.  I look forward to helping you meet your financial goals.

You can also find me coaching football for Greene County Community School District and volunteering as the Beef Superintendent at the Greene County Fair.  I am a Cyclones fan and enjoy spare time on the tractor or working with show cattle and bull prospects to sell.

Jill is a 12-year veteran of the banking industry. She specializes in banking operations, cash management, and consumer lending, in 2016 graduating from the Iowa Bankers Association Consumer Credit School. Overseeing a team of banking professionals in Grand Junction, Iowa, Jill has a reputation for staying organized and getting results. At Peoples Bank, she rises to all challenges in an effort to ensure that her clients’ financial needs are met, whatever they may be. She is an honest, charismatic individual who forms personal relationships with everyone whom she serves.

My farming background allows me to apply my expertise daily in our Greene and Boone County communities where I specialize in all areas of banking with direct emphasis in Agricultural Lending.  I am also a graduate of the Iowa School of Banking.  Currently, I oversee the Greene County Market for Peoples Bank.  I offer the flexibility to work with you remotely at your property or in any of our banking locations.  Contact me to learn more about the value I can bring to your business and household.

Penny Wetzel is the AVP and Loan Officer in Guthrie Center, IA. She has accrued more than sixteen years of experience in banking, and her expertise in mortgage lending gives her the opportunity to find the best solutions possible for her community. Passionate about customer service, Penny operates her business on a basis of honesty and forthrightness.

Penny cares about her clients, and she wants to see them accomplish their goals. Her devotion to the Guthrie Center area is encouraging to everyone around her.

Dennis Flanery is a banking professional with over three decades of experience. In the role of Market President in Guthrie Center, for twenty-two years Dennis has specialized in agricultural and commercial lending. Working within a quality banking organization has allowed Dennis to achieve tremendous career growth, while supporting and enriching his hometown community.

Continuing his community driven efforts, Dennis sits as Board President for the Guthrie Center Development and the Guthrie County Hospital Foundation. Previously working with the Guthrie Center Chamber of Commerce, Lions Club, and Midwest Partnership, Dennis has a strong history of dedication and accountability. His philanthropic values rest at the core of his professionalism, and equally dedicates his time and ability to each and every project he contributes to.

Dennis Flanery is a Guthrie Center native, and lives with his wife and has three children; and is a graduate of Iowa State University and the Graduate School of Banking, Colorado.

Born and raised in Jefferson, I am excited to be in a profession which allows me to give back to my community. I am committed to helping local people and businesses create and reach their financial goals – all of whom I consider friends. I enjoy helping my community members find the best solution for their situation.  I accomplish this by truly listening to your unique needs and providing honest feedback. I have been in banking since 2010 and have experience in a variety of areas including:  Business Services and Payroll Solutions, IRA’s and Retirement Solutions, Consumer and Business Deposit Accounts, Consumer Loans, and Trust and Estate Services.

David Pedersen, who works in the Jefferson office, has spent an impressive 36 years in the agriculture industry, including 6 years in banking. His area of expertise is agriculture lending, and his devotion to his clients’ success is his defining professional characteristic. An expert when it comes to guiding people toward their goals, he is a renowned expert in his field and a dedicated banker.

David is a deeply faithful man and a die-hard Iowa State fan. Outside of the office, he enjoys following sports and spending time with his wife of 36 years, their 4 grown children, and their 2 grandchildren.

Jefferson, Iowa native, Teresa is a knowledgeable and experienced professional within the banking industry. With a 30-year background, Teresa garnered expertise in areas such as real estate loans, personal & agricultural lending and more.

Through her work, Teresa aims to empower and assist her customers in the process of reaching financial goals; catering to their needs with transparency, professionalism and passion.

Welcome and thank you for choosing Peoples Bank.

I am a lifelong resident of Ogden. I graduated from Ogden High School and Spencer School of Business with a degree in Accounting.

I enjoy spending time with my husband, our 2 daughters and 3 sons.  We are also blessed with 2 wonderful grandchildren.  My husband and I love to watch movies and hunt for bargains at thrift stores.  Our son-in-law drives a Modified race car so we have become avid dirt track race fans.

I have been a part of the finance and banking industry since 1995 with almost 10 years at Peoples Bank.  I am currently the Branch Manager of our newest location in Ogden, which opened in November of 2013.

I can help you in all aspects of real estate lending including residential purchase, refinance, or construction for both homeowners and investors.  I can also help you with personal, commercial, agriculture, and business loans.

Peoples Bank can do more than just help you buy a home or refinance your existing mortgage.  We strive to make your application and loan process as simple as possible with honest answers and timely processing.  Email or call me today, I would love to help you!

Welcome to Peoples Bank!  As you enter your loan process for the first time or for the hundredth time, I want you to know I am here to walk you through it.  I care.  Bringing you 15 years of lending experience, I work hard to help you understand the loan process, walk you through the steps and get it closed.

Here are my stats:

Mortgage Loan Originator since 2001 in residential loans – Conforming, USDA, FHA, VA, HELOC and now even more options at Peoples Bank including construction, commercial, ag & auto.

Married to Matt since 1996! 3 Boys – Payton, Carson & Brady (all named after quarterbacks), Yes, we love sports, 400m hurdler at Iowa State University (93-97) Love to run! 4 Sport athlete in high school, Live in Ogden, IA, Raised in Quad Cities, Illinois, Love our community and church family!  Graduate of Iowa State University.

Please do not hesitate to call or email me with whatever ideas, questions or concerns you may have about purchasing or refinancing.   I am always looking for ways to grow my business and I know that means I need you – so let us help each other!

Ashley B. Belsford is the Branch Operations Manager for Rippey, IA. She has worked at Peoples Bank for eight years, and in that time, she has become known for her excellence in service and for her inspiring attitude. Specializing in consumer accounts, she enjoys the small-town environment that comes with personal banking.

Dedicated to her clients first and foremost, Ashley is a team player whose commitment to PTSB is certain. She takes pride in her ability to help families to reach their financial goals.

A country girl at heart, Ashley was born and raised on a farm. Her favorite pastimes are watching Iowa State sports and spending time with her family.

Jefferson, Iowa native, Teresa is a knowledgeable and experienced professional within the banking industry. With a 30-year background, Teresa garnered expertise in areas such as real estate loans, personal & agricultural lending and more.

Through her work, Teresa aims to empower and assist her customers in the process of reaching financial goals; catering to their needs with transparency, professionalism and passion.

Doug Carman, based out of Scranton, has accrued more than 35 years of professional banking experience. He specializes in agricultural lending and customer relationship management, and more than anything else, he is dedicated to customer service. A natural people person, he enjoys close working relationships with his colleagues, and he looks forward to meeting with all of his clients both old and new.

Doug operates on two key principles: integrity and common sense. He believes that all people are equipped with the ability to intuit out the right decisions in situations, and he makes a point of using his own intuition at all times. Striving always to do the right thing, he is a dedicated worker whose knowledge of lending is a strong contribution to his community.

I was born and raised in Grundy Center, IA and have lived in the Des Moines Area since 1999.  In 2001, I started my banking profession. My experience includes: mortgage loan processing, underwriter, compliance management and loan originations.  I currently specialize in New Construction, Portfolio, Home Equity, Conventional, FHA & VA loans.  Through our experience and service at Peoples Bank, we would love the opportunity to earn your trust and business.

David Ogburn (AVP) is a dedicated Business Banker, with a focus towards team performance and result driven outcomes. Working within his home town of Des Moines for the past 15 years, David has offered tailored banking solutions to his clients — fostering lasting professional and mutually beneficial business relationships. David and his team at Peoples Bank are aimed to aid customers in reaching their financial goals; experienced in commercial real estate, operating lines of credit, commercial term lines, SBA loans and conventional growth funding.

With a mission to enrich the community that he lives and works in, David is proud to regularly contribute and support local business and non-profit organizations like SCORE. As a mentor and advisor, David has a passion for helping startups and small business owners take their projects to the next level. Believing in our Peoples Bank motto, people first banking, David looks forward to meeting and working with you and your team.

I was born and raised in Des Moines and have lived here most of my life. I have been in the mortgage industry since 2005. I enjoy helping people with the purchase of their dream home or saving my clients money, when refinancing.

My 3 boys and I currently live in Urbandale. I enjoy playing and teaching sports with my boys, taking them to sporting events, hunting and golfing. Our great rates, low costs and service, puts us way ahead of the competition. I would love the chance to help you buy your new home or refinance your existing residence, whether you are just looking to save or needing cash out. I look forward to hearing from you and make it a great day!

Todd began his career at Peoples Bank May 2010.  Todd has been in banking and the mortgage industry for 25 years, working in numerous capacities from a Loan Officer to a Regional Sales Manager, funding over 2 billion in loans and the training of over 200 loan officers as a Wholesale Account Executive.  Todd has been instrumental in the start-up of a Loan Fulfillment Center in Eden Prairie, MN.  He is always eager to take on a new challenge and responsibilities.  Todd currently oversees, the mortgage piece of the Waukee Branch, handles the sale of secondary market loans to investors for the Waukee, Adel, Clive, and Ogden branches.  He also originates residential and commercial real estate loans and contributes to the overall profitability of the Waukee branch through referrals and business development.

Todd attended Indian Hills Community College and the University of Iowa.

Todd enjoys working for an institution that allows him an opportunity to enrich the lives of those he serves within his community.  Todd also loves the people he works with in the Waukee Branch along with those in the surrounding Branches.