What’s New

Welcome Kim Van Osdol


Great North Bank President & CEO Tom Wittkopf announced that Kim Van Osdol has joined the bank. Kim was most recently with Community First Credit Union in Appleton where he served as Senior Vice President of Business Services. He has 42 years of experience in the banking industry, mostly on the executive level, including 25 years with Michigan Financial Corporation.

“We are confident that Kim’s leadership will further our mission as a family owned and independent bank,” explains Wittkopf. “He brings a depth of knowledge and expertise. It’s great to have him on board.”

Great North Bank continues to see strong growth. They recently completed a major enhancement to their technological systems that allows for improved and expanded business services. Kim, along with Market President Matt Nord, will work to ensure customer goals are met as the bank grows its services throughout the region.

Read the full press release here.



Senior VP Cindy Steber to Retire from Great North Bank


Cindy Steber, Senior Vice President at Great North Bank, will retire as of July 1, 2018 after 33-1/2 years of service. “We will absolutely miss Cindy and all she offers to our operation,” said Tom Wittkopf, President and CEO of the bank, “and we wish her the very best in a well-deserved retirement.”

Great North Bank will hold a public appreciation day for Cindy at its main office in Florence on Friday, June 29, and will be serving refreshments throughout the day. Customers, non-customers, vendors, friends, neighbors and current and former employees are welcome to stop in to congratulate her and wish her well. As part of its appreciation day, the public is invited to send Cindy a note, a personal thank you or share a special memory with her at cindy.steber@greatnorthbank.com or to Cindy Steber, PO Box 500, Florence, WI 54121.

Cindy began her banking career as a teller at First National Bank of Iron Mountain following her graduation from Kingsford High School in 1974. She married Gary Steber, moved to Florence and after spending several years at home while her three children, Laura, Christopher and Daniel, were young, she joined the family-owned, independent community bank, State Bank of Florence, in Florence, Wisconsin on January 2, 1985.

Read the full press release here.



Save the Date! Click here to read more.

Rosa Klumpp Promoted to Mortgage Lender


Great North Bank promoted Rosa Klumpp (NMLS#1729422) to Mortgage Lender. She will serve Florence and the surrounding area residents with their home buying and building loans as well as loans for home improvements and remodeling.

“Rosa is a great addition to our mortgage team,” explains President and CEO Thomas Wittkopf. “She has demonstrated a strong work ethic and I am confident she will work hard for our customers–from start to finish–to help them accomplish their goal of home ownership.”

Rosa has over 15 years of customer service experience and began as a universal banker with Great North Bank in September 2017. Rosa took on her new role after she successfully completed the Wisconsin Bankers Association (WBA) Mortgage Lending School in February. The WBA program provides knowledge and tools needed to be successful in the complex field of mortgage lending.

Read the full press release here.


Tailored Lending Solutions + You.

It’s the Perfect Match.

Auto Loan Rate Match – Whether you are considering a new car, truck, or RV, or already financed your auto loan elsewhere – we want you to bring it to Great North Bank and we will match your rate down to 3.5% APR for borrowers with a credit score of at least 700.

We strive to build relationships that are long-term and run through the generations. As part of our family loyalty services, we are pleased to introduce our Auto Loan Rate Match. Simply provide documentation of the rate you’ve been offered elsewhere. All you have to do to qualify is have your checking and online banking open with us for 30 days prior to the new loan.

Offer applies to financing or refinancing an automobile from another financial institution. Subject to credit approval and conditions. Proof of current rate from your financial institution is required. Loan rate subject to a minimum rate of 3.5% Annual Percentage Rate (APR). Checking account eligibility required. Title fee may apply.

Welcome Sara Ferguson


Great North Bank announced the addition of Sara Ferguson, CPA, as financial controller for its banks. Sara is a Certified Public Accountant with over 10 years of experience and was most recently a CPA with Anderson, Tackman & Company, PLC in Iron Mountain.

“We are pleased to welcome Sara to Great North Bank,” explains Tom Wittkopf, President and CEO. “She will help us to enhance our controls as we continue to grow and prepare for the future.” Great North Bank has now added significant strength to its operations. In addition to adding strength to accounting, Sara will serve as a member of the Great North Bank Management Team.

Read the full press release here.


Welcome Michael Sullivan

Michael Sullivan


Michael Sullivan (NMLS # 1171460) has joined Great North Bank as Vice President – Loan Operations Manager. Michael brings over 30 years of banking experience. He has served as a member of senior management teams and his experience covers all areas of banking including business and mortgage lending, loan and deposit operations, compliance, marketing, human resources, and information technology.

Great North Bank has been a leader in family owned, community banking in Wisconsin and Upper Michigan for over 125 years. The bank recently undertook a rigorous strategic planning process has been preparing its team, customers and community for the next 125 years of banking. As Vice President – Loan Operations Manager, Michael will focus on loan operations as well as other day-to-day operational areas. “I enjoy coaching and interacting with others to help them learn and grow in their roles. At Great North Bank, we will work collaboratively to get things done and bring that knowledge and expertise to our customers.”

Read the full press release here.



Welcome Matt Nord


Great North Bank welcomes Matthew Nord as its Market President for the Upper Peninsula/Northern Wisconsin region. Matt will provide market-leading service for the bank’s commercial clients as well as developing new long-term business relationships within the region.

“We are pleased to welcome Matt to Great North Bank,” explains Tom Wittkopf, President and CEO of Great North Bank. “Matt brings both extensive banking experience as well as a strong knowledge of the Upper Peninsula/Northern Wisconsin market and what it takes for businesses to succeed here.”

Read the full press release here.



Great Loans for Big Dreams

Is it time for you to buy or build your perfect home? Does the higher property value make a mortgage seem unattainable? Good News: Great North Bank jumbo loans allow you to finance up to $2.5 million on your primary home, second home, vacation home, or investment property. Purchase and construction loans available. Talk to a lender at Great North Bank to find out whether a jumbo loan is right for you. 

Read More – Download Jumbo Mortgage Loan information
Act Now – Contact one of our professional mortgage lenders

Welcome Daniel Stark


Great North Bank is pleased to welcome Daniel Stark, NMLS #1284407, as Assistant Vice President and Mortgage Lender for the Eagle River, Minocqua/Woodruff, Boulder Junction, and Rhinelander region. Dan brings over 15 years of experience in personal and home loans, underwriting, mortgage consulting, and risk/offset analysis. Daniel’s expertise has been built over a career working for banks such as BMO Harris Bank, Wells Fargo, Hometown Bank, and US Bank. His experience has been focused in the Minocqua and Fox Valley regions.

“Great North Bank is a family-owned, independent bank that has been helping homeowners and business owners achieve their dreams through sensible financing for more than a century,” said Dan. “They are experienced lenders, and can make informed decisions quickly because of that. I’m excited to be a part of it.”

Dan is based in Eagle River. For more information, please call Dan at 715.598.9919.


Home Equity Loan Special

What’s on your bucket list? Adventure travel? Remodeling your kitchen? Taking college classes? Improving your health? Buying a new car or truck?
A Home Equity Loan from Great North Bank can help free up cash to live your dream.
• Low rate set at prime
• Borrow up to 80% of the value of your home, less any outstanding balance
• Low closing costs
• Interest may be 100% tax deductible*
Great North Bank’s Home Equity Loan gives you the freedom to help make life’s adventures possible.
Contact Us or apply online today. 

* Consult your tax adviser regarding the deductibility of interest on a home equity loan.

Welcome Tim McKeag


Great North Bank is pleased to welcome Tim McKeag to its team. Tim has been hired as Market President for the Appleton, WI region. Tim brings over 30 years of experience working with small to medium sized businesses in manufacturing, wholesale/distribution, medical clinics, professional services, and commercial real estate.

Tim was previously Vice President of Business Development with First Business Bank Northeast and Market President at The Business Bank in Appleton. He holds a Master of Business Administration (MBA) degree and a Bachelor of Business Administration degree in Management from the University of Wisconsin–Oshkosh.

“I’m excited about the direction Great North Bank is heading,” he said. “Business customers are looking for deep expertise and a banking experience that is tailored to their needs. As an independent family owned bank, Great North Bank is positioned to help businesses meet challenges and reach their potential to stay competitive.”

Read the full press release here.

Saturdays Are Better in Flip Flops!

The great outdoors is calling and it’s time to enjoy life in lake country with family and friends!

Effective June 30, 2017 Great North Bank will have
in Florence, Aurora, and Wausaukee:

Monday – Friday 8:30 am to 4:30 pm, closed Saturdays

Online banking and ATMs are available 24/7. Coming this summer: Mobile Banking! 

Call or click here to sign-up for online banking through one of our personal bankers.

Name Your Great Adventure!

Name your great adventure and at Great North Bank, we’ll help you get there with local decisions, low fees and flexible terms. 

Download our easy Switch Kit below and free 2017 Goals Kit.

Switch Kit








Tom Wittkopf, Senior, Honored for 50 Years of Service

After half a century of service to the community, A. Tom Wittkopf was honored for his dedication and inducted into the Wisconsin Bankers Association 50 Year Club on September 13, 2016 at the WBA Management Conference Dinner Banquet at Lambeau Field in Green Bay.

With Tom in the photo (left to right): WBA President and CEO Rose Oswald Poels; WBA Past Chair, President/CEO of First National Bank – Fox Valley, Neenah Peter Prickett; and WBA Chair, President of Partnership Bank, Tomah Cynthia Erdman.

With Tom in the photo (left to right): WBA President and CEO Rose Oswald Poels; WBA Past Chair, President/CEO of First National Bank – Fox Valley, Neenah Peter Prickett; and WBA Chair, President of Partnership Bank, Tomah Cynthia Erdman.

“The financial services industry has gone through tremendous change in fifty years,” said Wittkopf, “and I am proud to have had such a fulfilling career in banking. When I look back, I think it’s all about helping people and doing what is right. That’s been my personal and professional philosophy throughout my career.” A. Tom Wittkopf began his employment at The State Bank of Florence as a teller and loan officer on June 1, 1966 when his father, Allen C. Wittkopf, was President. When the bank’s holding company was formed in 1980, Allen retired as President of the bank and A. Tom Wittkopf assumed the role of President and CEO. A similar change took place on June 1, 2006 when Mr. Wittkopf announced his own retirement and named his son, Thomas A. Wittkopf, President and CEO, the third generation to lead the family-owned bank. A. Tom Wittkopf remains involved as Chairman of the Board, President of the one-bank holding company Florence Bancorporation, Inc. and an available “consultant” and “historian” to anyone who asks. During his tenure at the bank he was a leader with vision, compassion and the “creativity” to find ways to make peoples’ dreams come true. In addition to being deeply committed to service within his community, Wittkopf was also active in state and national banking organizations, elected by his peers to the board of directors of the Independent Community Bankers Association of Wisconsin.  In 1994 – 1995 he served as the organization’s President and in 1997 was selected by the Community Bankers of Wisconsin as the State’s Community Banker of the Year.  His peers also elected him to represent Wisconsin – District 2 on the board of directors of the Independent Community Bankers of America from 1998 to 2001. “I am both humbled and honored to have been a part of the State Bank of Florence for 50 years of its 125 year history,” said Wittkopf.  “I am thankful for the many hard-working individuals who have contributed to its success and proud to see my son, Tom, continuing our commitment and vision into the future.” The Wisconsin Bankers Association is the state’s largest financial industry trade association, representing nearly 270 commercial banks and savings institutions, their nearly 2,300 branch offices and 23,000 employees. Tom will also be recognized with other club inductees at the Wisconsin Bankers Association Bank Executives Conference in Milwaukee, the largest banking event in Wisconsin, on February 6, 2017 for extraordinary service to Wisconsin’s financial industry.

2014 SBA Loan Award Winner

The State Bank of Florence has received the 2014 Wisconsin SBA Volume Lender Award for the most SBA loan approvals made in the State of Wisconsin for banks that have assets between $50 million and $100 million. This is the second time the bank has been recognized for helping small businesses obtain loans to grow their business. “We are proud to receive this award because small businesses and community banks have always worked together to grow local economies Partnering with small businesses is at the core of what we do,” said Tom Wittkopf Jr., bank president and CEO. State Bank of Florence accepted the award at the Wisconsin SBA Lenders Conference in Wisconsin Dells in May. The State Bank of Florence is a community bank in North/Northeast Wisconsin. As an SBA lender, the State Bank of Florence is able to offer financial solutions to start-up and existing businesses that other banks may not offer. As a locally owned community bank, the State Bank of Florence makes decisions and approves loans locally. State Bank of Florence, established in 1891, is headquartered in Florence, Wis., with branch locations in Aurora, Wausaukee, and Eagle River. They offer a full array of banking products and services, as well as consumer and business loans.