315 Sixth Street
Carrollton, IL 62016
Main: 217-942-5408 Fax: 217-942-6208

Cheryl Brock

Human Resources Vice President

Cheryl started her human resources career in 1989, and has been with Carrollton Bank since 1999. Her customers are the employees of Carrollton Bank, and she strives to make their work lives a little easier so they can focus on their bank customers. Cheryl helps us find all the great people you'll find at Carrollton Bank.

Ken Downey

Vice President of Credit Administration

Ken went to St. Mary's High School and received his Bachelors Degree from St. Louis University. He's been in banking since 1984, and joined Carrollton Bank in 1999. Ken is in charge of Credit Administration and assists the bank on special credit-related projects.

Stosha Flowers

Information Systems Manager

Stosha is a native of Carrollton, Illinois, and holds a finance degree from Southern Illinois University at Edwardsville. Stosha joined Carrollton Bank in 2005, after working at Jersey State Bank for 5 years. As Information Systems Manager, Stosha provides expert technical support to ensure that her coworkers have access to the account programs necessary to serve our customers.

Lori Freshour

VP of Retail Banking

Lori joined Carrollton Bank in 1996 and is responsible for supporting and directing the Retail staff at all of our branches. She is also responsible for the products and services we offer our customers, as well as how they are marketed.

Tom Hough

Chief Executive Officer

Tom is a native of Carrollton, Illinois, graduated from the University of Illinois College of Business in 1973, and now resides with his family in St. Louis. He's spent his entire career at Carrollton Bank and was named Chairman and CEO in 1988. Tom is the fifth generation of his family to lead the bank, which was founded in Carrollton in 1877 by his great-great grandfather.

Suzanne Hough

Community Development Officer

Suzanne started with Carrollton Bank in 1982, after graduating from Millikin University. She's responsible for developing and managing our community outreach efforts.

Mary Kirbach

Compliance Officer/ Head Trust Officer

Mary received her law degree from St. Louis University in 1992 and was in private practice in Jerseyville until she was elected Jersey County State's Attorney in 2000. Mary joined the Carrollton Bank team in the Spring of 2005 as Compliance Officer, and now also serves customers as a Trust Officer.

Larry Newberry

Sr Vice President of Credit Risk Management

Larry received his degree from Arkansas State University and his Master's degree from Louisiana State. He has been in banking for over 25 years and with Carrollton Bank since 2005.

Rochelle Niedringhaus, CTP

Vice President of Treasury Management

Rochelle joined Carrollton Bank in 1998. She supports the Treasury Management function at all of our branches. As our resident Treasury Management expert Rochelle is responsible for making sure these services work for our commercial deposit customers.

Bill O'Neil

Chief Financial Officer/SVP

Bill received his B.S. in accounting from the University of Missouri – Columbia. After 15 years as a practicing CPA, he joined Carrollton Bank in 1998 as our first full-time CFO. He is responsible for the bank's financial, tax and regulatory reporting. Bill is also a member of our investment committee and oversees our investment portfolio.

Jennifer Shaw

Electronic Banking Coordinator

Jennifer is a native of Carrollton, Illinois and holds a business degree from Western Illinois University. In April of 2007 Jennifer returned to Carrollton and joined Carrollton Bank after working for 7 years with the Hilton Hotels Corporation. As Electronic Banking Coordinator Jennifer is responsible for supporting all telephone and Internet-based banking products.

Ben Stotler

Chief Operations Officer/SVP

Ben grew up in St. Louis and holds a business degree from the University of Missouri - St. Louis. He has worked in banking since 1992, in the Retail, Lending and Operational areas. Ben is responsible for providing our people with the tools they need to serve our customers.