America's Community Lender
At United Trust Bank we provide financial solutions to our customers while being fully committed to offering exceptional service and value. Unlike many banks and mortgage lenders, our bank is owned by our employees, not just stockholders. This important difference allows us to be more focused on the people we serve. Across the nation, our team has improved the financial future of thousands of customers -- helping them secure cash, lower their rates and reduce their monthly payments. We maintain a strong commitment to creating lifelong relationships with our customers in communities nationwide.
Please accept our invitation to contact us or to come see us in the Bank. We will show you just how important you are to our community and hope to earn your business today and every day.
Sincerely,
Charles K. Wagner, Jr.
Chairman, CEO and President
Leadership Team
Charles K. Wagner, Jr., Chairman, CEO and President
Charles serves as the Chairman, CEO, and President of both United Trust Bank and United Bancorp, Inc (the holding company of United Trust Bank). Charles became CEO on November 28, 2018 after helping raise capital to improve the operations of our Bank. Charles has 27+ years of experience in both Banking and Financial Services. Most recently he was President of CBC National Bank and Coastal Banking Company (holding company of Bank) which was sold in April 2018. Charles earned a BBA in Finance from the University of Georgia. His passion is helping individuals and businesses to become successful at all aspects of business and life.
Mike Mashke, Executive Vice President & Chief Credit Officer
Mike is a seasoned banking professional with over 43 years of experience and currently serves as a key member of the Executive Management Team. Throughout his extensive career, Mike has demonstrated a consistent focus on commercial credit development, portfolio risk management, and identifying innovative avenues for alternative fee income generation. Mike's journey in banking began in high school, working in the mailroom at Barnett Bank. He continued to build on this early foundation while earning his B.A. in Economics from the University of South Florida. Upon graduation, he was selected for Barnett Bank's prestigious Management Associate Training Program, where he received comprehensive credit training. He further enhanced his expertise by completing the Graduate School of Banking at Colorado's advanced banking curriculum. In addition to his deep banking acumen, Mike also held a Class-B Florida Building Contractors License, reflecting his diverse interests and broad professional capabilities in construction lending. His leadership, strategic insight, and dedication to sound financial management have made him a trusted advisor and integral part of the United Trust Bank's Management Team.
Janet Miller, Vice President & Operations Officer
Janet started her career in banking as a full-time teller while putting herself through night school at the University of Central Florida. She has over 30 years of experience in all facets of loan and deposit operations, and has overseen Loan & Construction Loan operations at four different community bank groups in the Chicagoland area. Her passion is helping customers achieve their personal and business goals.
Jennifer C. Yocum, Chief Financial Officer
Jennifer joined United Trust Bank in 2020 with 30 years of experience within a variety of Finance and Accounting, Audit, Operations and Information Technology roles. She has extensive experience in bank and mortgage accounting and reporting and regulatory examination management. Jennifer honed her career primarily as Controllers for banks with large mortgage and commercial portfolios based primarily in the southern states, but with some international accounting experience as well.
Timothy P. Forkin, President, Mortgage Division
Tim's background includes 20+ years of leadership, sales and entrepreneurial experience in the Wholesale Lending, Banking, and Mortgage industries. Most recently, he held a position as Vice President of Mortgage Operations with a Federally Chartered bank in Florida. As President of our Mortgage Division, Tim oversees our nationally based retail mortgage branch offices. Tim graduated with a BBA in Marketing from The Ohio State University.
Matt Shamblen, General Manager, Mortgage Division
Matt came to United Trust Bank in 2021 to establish the bank's mortgage origination division. He brings over 20 years of lending experience with both wholesale and retail originations. His expertise in mortgage operations has been integral in the creation of the bank's mortgage division. Matt especially enjoys participating with the many charitable organizations that United Trust Bank is privileged to support.
John Torgusen, VP of Compliance and Risk Management
John has a proven track record of developing and implementing risk management strategies for leading community banks. With over 20 years of experience in the financial services sector, he has successfully navigated complex regulatory environments and guided organizations through risk assessment, mitigation, and compliance. He is a graduate of DeVry University with a BA degree in Accounting.
Board of Directors
Charles K. Wagner, Jr., Chairman
George Habeeb, Director
Steve Ralys, Director
Alan Hambourger, Director
Dan Slade, Director
Jeffrey Mussay, Director
Thomas J. Flournoy, Director
Thomas D. Agresta, Jr., Director