Local Cents by Pillar Bank

What does it take to turn an idea into a growing local business? In this episode of Local Cents, we sit down with young entrepreneur Custer’s Cones & Candy founder Hunter Custer and Pillar Bank’s Neil Mathwig to talk about what it really looks like to start—and scale—a business from the ground up. Hunter launched the business at just 18 years old. Now, six years later, he’s expanded to multiple locations, added concession operations at local games, and is preparing to open another location—this time with plans to purchase the building. From bootstrapping his first location to reinvesting profits for growth, Hunter shares the realities of entrepreneurship, the lessons learned along the way, and why having the right financial partner matters. As Hunter puts it: “Working with good people we can depend on is so important.” If you’ve ever thought about starting your own business—or taking it to the next level—this episode is packed with insight you won’t want to miss.

April is Financial Literacy Month, and banks across Wisconsin are stepping into classrooms to help kids build smart money habits early. In this episode of Local Cents, Pillar Bank team members Erik and Dawn share how they bring financial lessons to life through the Teach Kids to Save program. One of their favorite ways to start the conversation is by reading the children’s book Money Monster, which helps students understand the difference between spending and saving in a fun, relatable way. From story time to classroom discussions, and even bank tours where students get to see what they learned about, Erik and Dawn explain how these experiences spark curiosity and important conversations about money. They also share lessons they wish they had learned earlier; the thoughtful questions kids ask; and why helping young people understand money is one of the most rewarding parts of serving our communities.

At Pillar Bank, serving our communities goes far beyond banking. In this podcast episode, Pillar Bank representatives share how employees are making an impact through volunteerism and local partnerships. From serving on nonprofit boards and chambers of commerce to supporting food pantries, parades, and community events, Erik and Dawn talk about how giving back strengthens the places we live and work. They also discuss the role of Pillar Bank’s Community Circle Committee, which helps connect employees with meaningful volunteer opportunities across our markets. Whether it’s assembling birthday cake kits for local food pantries or helping organize community events, Erik and Dawn explain why building relationships and showing up for our communities’ matters. Because when we serve together, we help create stronger communities for everyone.

Community banking is more than a place to keep your money — it’s a relationship. In this episode, Tony Meyers and Becky Rouser share what community banking looks like in action at Pillar Bank. From supporting first-time homebuyers and small business owners to reinvesting time, talent, and resources back into the communities we serve, they explore how local decision-making and personal relationships make a real difference. You’ll hear how knowing customers by name, understanding the local economy, and showing up on boards, at events, and in everyday life creates trust you can’t replicate with a call center or algorithm. Because when banking decisions are made locally, communities grow stronger.

In this episode, CEO Shane Bauer and staff member Deann LaValley share why Pillar Bank chose CultureWise and how it helped bring clarity, consistency, and connection across the organization. With 7 locations and 7 distinct cultures, Pillar Bank wanted more than mission statements and values that could feel abstract. What emerged instead were the Pillar Principles — 30 clear, behavior-based principles practiced one week at a time, led by employees from across the bank. From weekly employee-led videos and peer recognition (Kudos) to real-time engagement insights, Shane and Deann explain how CultureWise created a bottom-up culture shift—one that feels more connected, more human, and more impactful for employees, customers, and the communities Pillar Bank serves. When culture is shared, practiced, and celebrated, it doesn’t just change how people work—it changes how they show up.

Agriculture is evolving. Staying ahead means understanding what’s changing, what’s tightening, and where opportunity still exists. In this episode, Pillar Bank’s Ag Lender Mike DeLong shares key takeaways from the Western Wisconsin Ag Lenders Conference, where lenders and ag experts came together to discuss the forces shaping today’s agricultural landscape. From emerging farm technology and livestock trends to margin pressure and new risk-management tools, the conversation highlights how innovation and informed planning are helping producers navigate uncertainty. With insights from industry experts and university extension leaders, this episode offers a high-level look at where agriculture is headed—and what it means for farmers, lenders, and rural communities alike.

Saving money looks different at every stage of life, but the goal is the same: being ready for what’s next. In this Local Cents podcast episode, Pillar Bank’s Lisa Lyon (Gen X/Boomer) and Brooke McLaren (Gen Z) come together for an honest, practical conversation about what saving really means. From 401(k)s and Roth accounts to payroll deposits and automated savings, they break down how small, consistent habits add up over time. You’ll hear why consistency matters more than the amount, how “paying yourself first” can be as simple as treating savings like a monthly bill, and how Pillar Bank’s new Round Up Savings program quietly works in the background—just like dropping spare change into a piggy bank you forget about until it really counts. Because saving isn’t about getting rich. It’s about being ready.

Credit doesn’t have to be confusing—or intimidating. In this episode of Local Cents, Sylvan Erickson, SVP/Chief Credit Officer, and Tony Meyers, VP/Commercial Loan Officer, break down what credit really is, how it’s built, and what it takes to maintain a strong credit score over time. They tackle common misconceptions, share smart credit habits, and call out the mistakes that can quietly hold people back. Most importantly, they reframe the conversation: building credit isn’t a bad thing—it’s about learning how to manage it responsibly and confidently. You’ll also learn who to talk to at Pillar Bank for guidance and personalized support, because understanding your options is the first step toward long-term financial success. 🎧 Listen in and take the guesswork out of credit.

In the first Local Cents podcast episode of 2026, CEO Shane Bauer looks back on a year that made an impact—and ahead to what comes next for Pillar Bank. From helping rebuild the Baldwin EDC to partnering with St. Croix Valley Habitat for Humanity, 2025 was defined by community commitment. Add in more than 1,200 employee volunteer hours, and it’s clear: Pillar Bank didn’t just show up—we leaned in. As we turn the page to 2026, the focus sharpens on the future. That means reaching, engaging, and retaining the next generation, and continued investment in technology. It also means strengthening processes, deepening connection, and continuing to elevate a culture that’s always been good—and is now becoming great.

On this episode of Local Cents, Mike DeLong, VP/Commercial/Agriculture Loan Officer with Pillar Bank talks with Jon Bahr of Ever.Ag, a Platteville-based risk management firm serving farmers nationwide. Jon focuses on grain marketing, while Ever.Ag supports the full farm-to table spectrum with dairy, livestock, and feed too. This year’s market has been tough: low volatility and prices below “break even” have made profitability a challenge. Jon shares how marketing, paired with insurance and strong communication, helps farmers set goals and manage risk. One key takeaway? It’s never too early to plan for next season and years to come. Tune in for practical insights from these experts.

At Pillar Bank, we believe the best way to build the future is to invite it to the table. That’s why we created our Next Generation Committee — a team of employees under 30 who are helping guide how we grow, innovate, and connect with younger customers. In our latest podcast episode, CMO Tracy Steeno sits down with two members of the committee to discuss: Why the group was formed How they’re shaping the Bank’s products and outreach What younger generations value most in a community bank Their insights are shaping real change — from digital experiences to the way we show up in our communities.

Jim Peterson had a choice - continue working for a large national business where he was 'just a number' or strike out on his own. He chose the latter in 2015 and that's when J&F Facility Services began.  Join Neil Mathwig, Market President of Pillar Bank's Chippewa Falls branch, as he chats with Jim about his 10-year success story.  Jim shares his why, his journey and motivations, as well as the lessons he's learned along the way.   Biggest challenge?  It's not staffing.   Learn how the right fit customers and a philanthropic approach have played a key role in this small business' growth story. J&F Facility Services 

Marketing is a lot more than party planning! Our marketing team shares what it’s like to market for Pillar Bank in our latest Local Cents podcast. Listen on Spotify or wherever you find your podcasts.   #pillarbankwi #pillarbank #marketingpodcast #localbankingdone right #culture #LocalCentspodcast

In this episode of Local Cents, Tony Meyers, Pillar Bank VP/Commercial Loan Officer, who talks about the vibrant Balsam Lake, WI community. While the town thrives in the summer with visitors enjoying boating, swimming, and family time in its lakes, there's so much more to discover year-round. From a strong school district and bustling downtown to an active chamber who organizes various events, there's something for everyone. Pillar Bank is proud to serve this thriving community.

In this episode of Local Cents, Rick Bonlender, Pillar Bank VP/Commercial Loan Officer, and Kristie Smith, Executive Director with St. Croix Valley Habitat for Humanity, explore Habitat for Humanity's innovative approach to creating affordable housing in the St. Croix Valley, WI.    Discover the intricate process of securing funding, partnering with local organizations, and acquiring land, all while maintaining strong community support. Tune in to learn more about this groundbreaking project and its potential for growth in the future. Pillar Bank is a proud partner of the Starter Home Project. 

In this episode of Local Cents, Lisa Lyon from Pillar Bank and Kristie Smith from St. Croix Valley Habitat for Humanity discuss their mission to provide affordable homes for western Wisconsin communities.   Learn about the application process, qualifications, and how Habitat guides families towards homeownership. The organization's success relies on volunteers, with opportunities for everyone to contribute. Discover Pillar Bank's involvement and commitment to making a difference in people's lives through this partnership.

In this episode of Local Cents, Deb Radle and Harriet Rothe discuss the history and attractions of Plum City, highlighting the strong sense of community that makes it unique. We learn about the origins of the city's name, the popular trout pond, and the importance of local traditions.   Deb and Harriet's insights reveal a shared love for their hometown and the value of genuine connections in a small town.

As a community bank specializing in Agriculture financing, county fairs hold a special place in our hearts at Pillar Bank. Besides the rides, games, and demo derbies, they're all about the animals--beef, swine, goal and lambs (plus some turkeys). And our Ag bankers know a thing or two about farm animals, having grown up on local farms and participated in 4-H programs.  This episode of Local Cents spotlights Pillar Bank’s strong presence at county fairs in western Wisconsin where we have seven branches. Listen in with Mike DeLong, VP/Commercial/Agriculture Loan Officer, as he shares how Pillar shows up at these thrilling summertime community gatherings. You'll learn about our efforts including volunteering, purchasing beef and swine at auctions, judging, and much more. We'll see you at the fairs!

Listen in to this, Local Cents podcast with Deann LaValley, Pillar Bank’s Director of Compliance, and her daughter Alayna, a future Belmont University student, about saving and planning for college. They share how Deann started saving early using a Pillar Bank Kid’s Club account, CDs, and a 529 plan, while Alayna set summer savings goals and tracked expenses with banking apps. The duo also talks about the importance of preparation like having family conversations, researching colleges, and applying for scholarships. Top Tips: Start saving early with tools and resources like 529 plans and CDs Set personal savings goals before and during college Have open communication about family finances Apply for scholarships Utilize online tools to research what you are interested in and the opportunities the school have to offer. A helpful episode for families planning ahead for college—financially and practically.

In this episode or Local Cents, listen in with Mark Hojem, Director of IT/Internal Audit Coordinator and Colin Danielson, IT Specialist, break down key steps to fight fraud. From spotting phishing scams to securing your accounts with strong passwords and Multi-Factor Authentication (MFA), they share simple, effective tips for staying safe. They also highlight helpful bank tools like card controls and real-time alerts to catch suspicious activity fast. Takeaways: Don’t trust unknown emails or calls Use complex, unique passwords Turn on multi-factor authentication Monitor accounts and set up alerts Use your bank’s security features Stay smart. Stay protected.

This episode of Local Cents highlights the importance and benefits of community banks compared to larger financial institutions. Listen in with Neil Mathwig, Market President and Rick Theune, SVP/Director of Business Development in an insightful discussion as they explore the advantages of community banking and its impact.   Community banks play a significant role in the U.S. economy and offer personalized service by fostering strong customer relationships and local knowledge. They adopt new technology while maintaining human connections and actively contribute to local community development.    We encourage listeners to explore community banks for a more personalized, committed banking experience. Pillar Bank has seven convenient locations in western Wisconsin online at www.Pillar.Bank.

In this episode of Local Cents, Shane Bauer, CEO of Pillar Bank, chats with the inspiring community builder, Jim Benson. With a wealth of experience in academia and public speaking, Jim has made a significant impact on the Baldwin community since his move from Bemidji. At 88 years young, Jim's passion and dedication to community development are driving positive changes in Baldwin. His collaborations with local organizations and businesses, including Pillar Bank, are sure to contribute to the growth and progress of the area. Tune in to learn more about Jim's journey and the exciting future ahead for the Baldwin community. Check out the Local Cents podcast on Apple podcasts.

In this episode of Local Cents, we celebrate Dairy Month by discussing Wisconsin's thriving dairy industry. Despite a decline in farm numbers, the state remains a key player in the dairy sector. Dairy Month is a significant event in Wisconsin, featuring community breakfasts that bring people together and highlight the industry's importance.

Tune in to this captivating podcast featuring Christina Arnett, Pillar Bank Loan Admin Specialist, and special guest Carrie Kruger, Executive Director of the Baldwin-Woodville Chamber. Discover the rich history and vibrant communities of Baldwin and Woodville, which have been thriving in Wisconsin since the late 1800s.    Learn about the top-tier school district, strong community organizations, beautiful parks, and numerous events that make these communities truly special. As Pillar Bank's roots are deeply connected to these historical areas, we are proud to celebrate their growth and progress. Happy listening!

In this podcast, hear from Mike DeLong, VP/Commercial/Ag Loan Officer, how agricultural producers experience challenges in a stressful market and how to utilize effective operation management strategies to maintain success. Begin by developing a solid game plan utilizing R.E.M. methodology, assembling a team of industry experts, and regularly reviewing operational costs to ensure informed decision-making.  

This episode of Local Cents highlights the importance of financial literacy for children's future well-being. Pillar Bank's educational initiatives, like the Teach Kids to Save program, involve employees reading stories and leading interactive bank tours to teach money management.   Key takeaways emphasize early financial education, enjoyable learning, community involvement, and ongoing learning for all ages.

The Pillar Community Circle is an employee-led committee at Pillar Bank that aims to enhance community engagement through volunteer work.   This episode of Local Cents highlights the value of volunteering during Wisconsin Banker’s Association (WBA) Power of Community Week, as well as throughout the year.   Listen to this podcast to hear how the committee seeks to involve the community in these efforts, fostering shared responsibility. Plus, employees share experiences from volunteering with local organizations such as those focused on food insecurity and housing, which boosts team morale and strengthens community ties.

In this episode of Local Cents, Neil Mathwig and Derek Kuehni of Pillar Bank discuss what makes Chippewa Falls a great place to live. They highlight the town's unique charm, local amenities, and organizations like the Chippewa Falls YMCA, led by Derek White, that foster a strong sense of community. Discover how collaboration and involvement with the YMCA enhance residents' lives and strengthen the town.

In this Local Cents episode, Lori Davis of Pillar Bank and Adam Ashley of Ashley Construction discuss the evolving world of homebuilding. Topics include rising costs, design trends, and the changing labor market. They also delve into the Chippewa Valley Home Builders Association (CVHBA) and how its Foundation's "Tools to Schools" initiative helps students explore construction careers.

Introducing Erik Thompson, a devoted Retail Banking Supervisor at Pillar Bank, who's been serving the Spring Valley community for over 10 years. This charming town boasts thriving businesses, rich history, and stunning landmarks like Crystal Cave and the Midwest's largest dam, creating a welcoming atmosphere where people feel at home. Pillar Bank is proud to be a part of this vibrant community and eagerly anticipates continuing to grow and prosper together.

Get your headphones ready for a thrilling experience! The Pillar Bank podcast, featuring Retail Banking Director Chris Olson, is packed with insider knowledge and exclusive tips from the world of community banking that you won't want to miss. In search of an extraordinary gift idea? Our Christmas and Vacation Clubs are here for you! Fun fact: You don't have to limit yourself to using these clubs just for holidays or vacations. Although we recommend keeping funds in the account until maturity, you have the flexibility to use the money for any special occasion or milestone. The possibilities are endless! Got young savers in your life? Introduce them to our amazing Kid's Club, designed for youth aged 16 and younger. You don't need to be a parent to give this incredible gift – aunts, uncles, grandparents, and other caring adults can join in on the fun too! Share the joy of smart financial habits while unlocking exclusive perks and benefits tailored just for the young financiers.

In this annual podcast address, Pillar Bank’s CEO Shane Bauer shares 2024 highlights including addition of its seventh location in Amery, WI, and how its culture has been enhanced since implementing Pillar Bank Principles. Also hear about the bank’s focus on youth, education, and community betterment through its ‘reverse mentorship’ initiatives in 2025.

Discover the role of a community foundation in helping individuals, families, and businesses leave a legacy for what’s most important to them. Whether it’s for early childhood education, the arts, your hometown, mental health, affordable housing, the environment, or whatever makes your heart sing, a legacy gift forever makes good. Listen in as Heather Logelin, President/CEO of the St. Croix Valley Foundation which serves six counties across western WI and eastern MN, and Rick Bonlender, a Commercial Banker with Pillar Bank and volunteer member of SCV’s Foundation Board of Directors, discuss how the SCV Foundation works. Learn about the giving side including how funds are prudently invested and how the earned interest is used to annually award grants to recipients. This episode is chock full of information including how to use the SCV Foundation as a planning source.

Businesses are being targeted by fraudsters who are going back to the basics. One technique is to intercept checks and ‘wash’ them by replacing the payee and dollar amount. Pillar Bank’s Treasury Management Director, Lisa Lyon, discusses the rise in check fraud which started during the pandemic and shares valuable tips on safeguarding your business from this threat. Discover essential measures like monitoring your account daily, setting notifications, and utilizing tools like Positive Pay to protect your business finances.

Pillar Bank’s Ag Lender, Mike DeLong, interviews and jokes around with client Gary Larson of Larson Ag Ventures. Gary discusses his farming background, passion for agriculture, and the joys of managing 3,000 acres with various crops. He highlights the importance of community support, mentorship, and embracing successes and failures within the industry, maintaining that it all evens out over time. Listen in to hear one farmer’s perspective on the Ag industry.

Simplify your finances with Digital Banking! This Local Cents Podcast explores four convenient ways to send and manage your money online: Person to Person (P2P), External Transfers, Instant Payments, and Internal Transfers. Join Melissa Lokken and Ashley Chevrier as they guide you through these versatile features, making your banking experience effortless and accessible.

Pillar Bank is excited about our seventh location opening in Amery, a charming city filled with picturesque lakes, exciting events, and a strong sense of community! Listen to this podcast with Tony Meyers as he describes all that Amery has to offer including events, shopping, and much more.

Lori Davis, Consumer and Mortgage Lending expert from Pillar Bank, is joined by Dale Strobach, Sales Manager from Design Homes. Design Homes specializes in custom-built, factory-direct modular homes, offering clients the advantage of construction in a climate-controlled environment. The duo discusses the key differences between modular and manufactured homes, highlighting how modular homes meet or exceed state code standards and are placed on permanent foundations, allowing them to grow in value over time. If you're considering a new residence, Lori and Dale make the process simple and quick. Learn more by tuning in to this informative discussion on modular homes.

Mike DeLong, Vice President and Agriculture Loan Officer at Pillar Bank, discusses the state of the farm economy, focusing on dairy, beef, and crop operations. Despite the challenges faced in the past 6-12 months, Mike emphasizes the importance of having a solid marketing plan to maneuver through these times. Yields across the country have been higher than average, and while some may attribute this to the election year, Mike highlights other factors such as production and usage.

Discover the charm of Clear Lake, a cherished community in the Pillar Bank family, with Isaac Christensen, our dedicated Agricultural and Commercial Lender. Born and raised in the area, Isaac values working for a bank that prioritizes community support and employee satisfaction. Clear Lake boasts a unique blend of small-town allure and big-town amenities. With notable figures like Earth Day founder Gaylord Nelson and Baseball Hall of Famer Burleigh Grimes, the town's rich history comes alive at the Clear Lake Museum, spotlighting its logging and agricultural heritage. Experience the annual Clear Lake Heritage Days, a town-wide celebration that feels like a family reunion. Enjoy a variety of many other activities, including fireworks, groups, clubs and events. Connect with local businesses and community members dedicated to supporting their vibrant village.

Listen in with Leanna Larson, a seasoned Universal Teller at Pillar Bank in Spring Valley, WI, as she shares what it’s like to be a Teller with 21-years’ experience. A Universal Teller like Leanna wears many hats – from handling day-to-day transactions such as deposits and withdrawals to opening accounts and managing essential tasks for smooth banking operations. Over the years, she has witnessed the transformation of the banking industry from traditional check printing and filing systems to the modern convenience of online and mobile banking, empowering customers like never before. Learn how Pillar Bank’s leadership cultivates an environment that supports career growth and development, enabling employees like Leanna to excel in their roles while fostering valuable connections within the community.

In this podcast episode, Pillar Bank CEO Shane Bauer shares the transformative impact of the newly introduced "Pillar Bank Principles" program. By focusing on core behaviors that shape interactions between employees, customers, and daily work, Pillar Bank experienced an overnight shift from a good to a great culture. With one principle practiced per week, the bank ensures consistent culture across all locations. Discover how these principles attract both new talent and customers, solidifying Pillar Bank's reputation as a local bank with a thriving, united company culture. Don't miss this insightful conversation!

In Wisconsin, summers offer more than state or county fairs, they also bring Farm Technology Days to the state that’s referred to as Dairy Land. This technology fair brings farmers, technologists, and others to gather for three days of Ag camaraderie where visitors will discover the latest in technology that’s helping advance food growth and production.   This year’s event is held August 13-15 in Cadott, WI.  Pillar Bank’s Ag expert, Mike DeLong, shares all the details and more in this podcast episode.  Visiting Ag Tech? Visit our booth and register for a high-tech drone giveaway.

You’ve got a great business idea, and you’re ready to take the next step. Or perhaps you’re pondering what it will take to start a business? The success of your new business venture involves several key steps, including access to the right resources. Join Pillar Bank’s Tony Meyers, VP/Commercial Loan Officer, as he guides you through the process of starting a business. This Local Cents podcast episode explores … • Why it’s important to have a team of experts to guide and support your journey • How to lay a strong foundation by creating a business plan • Why you should be strategically agile and adaptable as conditions shift • And, much more – monitoring financial statements, keeping records, hiring, and raising capital By following Tony’s advice and leveraging community resources, you will be well-prepared to transform your business idea into a successful and prosperous enterprise. Visit any of Pillar Bank’s locations to speak with a banker about starting your own business.

What is compliance? Why is it important? Listen to this podcast as Deann LaValley, Pillar Bank’s Director of Compliance, talks all things compliance. You’ll learn … •Why compliance is important for Pillar Bank •How compliance benefits you as a customer •What simplicity and efficiency have to do with compliance •How our multi-faceted approach mitigates risk

Learn about the key factors to consider when purchasing a home in today’s housing market from experts in real estate and financing. Whether you’re in the market, in the consideration phase, or just want to learn more about today’s market, you’ll gain valuable insights to confidently help you navigate the process, including knowing exactly what the many acronyms mean.  If you’re a first-time homebuyer, listen in for the various programs available to help you become a homeowner.  

‘Keep Youthful, Drink Milk’ – just one of the dairy industry slogans that are part of the industry’s rich history.  In Wisconsin, dairy farmers are honored throughout June. Most counties have a breakfast, brunch, or dinner celebration and all are welcome to join. Ag expert Mike DeLong shares his dairy knowledge in this fun and informative episode.

Tough labor markets. Projected to get more challenging in the years ahead. Net new employment statewide in Wisconsin predicts a mere 129 workers will be added in 2030. Coupled with shortages in housing and childcare, it’s challenging for employers to attract people. That’s where Family Friendly Workplace (FFW) plays a role both helping employers recruit employees and aiding in economic development. FFW helps with recruitment efforts of organizations like Pillar Bank. “It’s a stamp of excellence,” says Neil Kline, FFW Executive Director.  He’s on a mission to ensure communities, employers, and families in western Wisc. are thriving. Listen to hear more about FFW and Kline’s definition of the perfect outcome. He’s joined by Pillar Bank’s Head of HR, Kathy Vande Berg, who shares how the process works and how it aligns with culture.

Exploring the concept of strong business relationships in banking inspired us to develop a sales and service playbook. Picture it as a sports team working together, reflecting on the teams Mission, Vision, and Values through our strategic plays.   By building and growing our customer base through asking the right questions and understanding the customers perspective. Success goes beyond sales and service alone; it hinges on grasping the fundamentals and continuous learning. We emphasize listening and understanding our customers' needs.   Establishing a personal bond by meeting customers face-to-face significantly enhances the relationship. While digital meetings via Teams or Zoom, etc. have evolved, now we can meet whenever it works for our customers, Communications is at our fingertips.   Our ultimate measure of success is assisting customers in achieving and surpassing their goals.

Having grown up on a Wisconsin farm and spent his career in Agriculture finance, Mike DeLong offers sage advice for farmers managing through economic cycles including today’s price down tick. Prices go up and prices go down – cycles typically last 18-32 months. Mike shares how farmers can manage risk, reduce expenses, and protect income. From crops to dairy to cattle, there are ways to help smooth the ride when prices are down.  It’s a balancing act, and often revolves around close examination of key indicators and comparisons to peer groups to uncover the cents that make the most sense for the Ag business. Mike works closely with his Ag clients and graciously shares his expertise to help farmers thrive.