Agricultural Lending

Rich Ritter

Gridley Branch


Phone: (309) 747-3600

Rich Ritter has worked for Flanagan State Bank since 1995. Rich is Senior Vice President of Agricultural Lending. He has over 23 years' experience as an Ag lender. Rich grew up in rural Blue Mound, Illinois, on a farm. His dad was a tenant grain farmer; Rich helped produce and market corn, soybeans, wheat, hogs, beef, chickens, eggs, milk and butter. He earned a Bachelor's Degree in Business Administration from Millikin University.

Rich has been involved with many activities in the Ag industry and in the surrounding local communities. He served a two-year term as one of two lenders in the U.S. appointed by the USDA as a member of the "National Committee for Young Farmers". In 1994 Rich created the "Farming with a Future" newsletter that is mailed quarterly by Flanagan State Bank to over 1,000 farmers and landlords in central Illinois. Rich has also been involved with Lions, Rotary, Optimist, Kiwanis, "Just Say No", FFA, county fairs, Agri-Ability Unlimited, Dale Carnegie, youth sports coaching, livestock judging, and promoting both Ag and pork.

Rich is married and lives in Flanagan, Illinois. He and his wife Carol have two sons. Rich has tried to pattern his life after the great innovator, John Deere, who once said, "I will not put my name on anything unless it is the best from within me." Rich wants to continue to grow each day and make a positive impact on those around him.

Tim Koltveit

Benson Branch


Phone: (309) 394-2785

Tim Koltveit was born and raised in Pontiac, where he currently lives. He attended Pontiac High School, where he was involved in FFA, band, and debate. He was also active in 4-H and Boy Scouts, where he became an Eagle Scout. Prior to working for Flanagan State Bank, Tim worked at Evenglow Inn, in Pontiac. Tim is a graduate of Augustana College, where he received a Bachelor's Degree in Business Administration and Business Finance. While at Augustana, he was the president of a social club and he worked at an organic farm.

Tim recently completed Agriculture Credit School in Ames, Iowa. He looks forward to continuing to increase his knowledge in the agricultural and mortgage lending fields. In his free time, Tim likes to boat, fish, and watch baseball and football. He still helps with 4-H and Boy Scouts in his spare time.

David Wyss, Jr.

Flanagan Branch


Phone: (815) 796-2264

David Wyss was born and raised in Minonk, Illinois. David graduated from Illinois State University in 2006 with a Bachelor's Degree in Business Administration. Dedicated to increasing his agricultural knowledge, DJ also attended Iowa State University, completing their Agriculture Credit School. He joined Flanagan State Bank as an Agriculture Loan Officer in 2007. Prior to working for the bank, David worked at the FS in Minonk, and spent time as a crop scout for Pfister Hybrids in El Paso.

David attended Fieldcrest High School, where he was active in football an FFA. He grew up working on a farm with his father and grandfather, learning what it means to be a part of this vital industry. His personal history and lifelong experience in the farming industry make him dedicated to helping his customers accomplish their personal and business goals.

David currently lives in El Paso with his wife, Laura. When he isn't working, he enjoys hunting, fishing, and four-wheeling. He also enjoys reloading and shooting high powered rifles. He stays involved in the community by maintaining membership with the Illinois Farm Bureau and serving on the Illinois Central College Agriculture Advisory Committee.

Buck Hill

Le Roy Branch


Phone: (309) 962-4707

Buck grew up in rural Streator, Illinois as the oldest of three brothers. His father, Greg, farms and operates heavy equipment, and his mother, Kellee, is the principal of Tri Point high school. Buck attended Marquette High School where he was very involved in track and cross country. His love of these sports led to his continuing involvement when he went on to compete at Saint Xavier University in Chicago for three years. While running at Saint Xavier he competed in distance events, most notably running the marathon length.

After realizing he wanted to return to the agriculture arena, Buck transferred to Illinois State University where he graduated with a Bachelor's Degree in Agribusiness. One of his ongoing goals is to learn the ins and outs of the financial side of agriculture and implement those practices into the expansion of his family's farm. He hopes this knowledge will aid in growing the farm into a larger operation in future generations. Living a life surrounded by agriculture has motivated Buck to help the local community's farmers to grow and be successful within their own operations as well.

Buck currently resides in Normal, Illinois where his main hobbies include running, biking, hiking, and working on his family farm. In addition, he is very active as a volunteer with his former high school's running program; helping to develop summer running clubs that train the current athletes. He hopes to be increasingly involved in local cross country and track programs, so he can better give back what has been taught to him.

Marlin Miller

El Paso Branch


Phone: (309) 537-7300

Marlin has 25+ years of experience in a number of different areas within Banking. He is currently serving as an Agriculture/ Commercial Loan Officer providing all types of Agriculture Loans and Commercial loans working out of the El Paso IL Branch. He is also providing a very important risk management tool for farming families by offering crop insurance to both Bank and non-Bank customers.

He was born and raised on his family's farm in Iroquois County, IL where he continues to maintain partial ownership and manages that farm. He resides in Lexington, IL with his wife of 25+ years. They have two children a son and a daughter, who are both attending the University of IL. He graduated from Illinois State University with an Agri Business degree and has been involved in Agriculture his entire life. When not at work, Marlin enjoys sports, travel and working outdoors. He is an active member of the Lexington Community Church and serves on the Lexington FFA advisory council which main purpose is to promote Agriculture and continuing education through scholarships. Marlin is a former President of the IL Mortgage Bankers Association.