Bank News

York's Community Canvas Mural Contest

We have a big, blank canvas, and we've asked the community of York to help us create a beautiful mural that will be enjoyed for many years to come. Canvas Wall Image

We've received many submissions of mural design ideas. Contest registrations were due September 9, 2016. A committee will review all contest entries, and contestants will be notified by September 15, 2016.

Upon selecting the winning contest entry, Cornerstone Bank will hire a professional muralist to create the final sketch for the Community Canvas and paint the mural.  The winning contest entry will receive $300. 

Thank you to all who submitted an entry for the York Community Canvas Mural Contest. We look forward to seeing which design is selected! 


Cornerstone Offices Host Open House

Several Cornerstone locations will be hosting customer appreciation open houses or barbecues. You are invited to join us as we thank your customers for their support in our communities. 

Columbus Insurance 10 Year Celebration Open House
September 16th
5:00 - 7:00 p.m.
Cornerstone Insurance Office
1668 33rd Avenue
Columbus, Nebraska

Albion Community Appreciation BBQ
September 22nd
5:00 - 7:00 p.m.
Cornerstone Bank
240 South 3rd Street
Albion, Nebraska

Shelton Customer Appreciation BBQ
September 23rd
5:00 - 7:00 p.m.
Shelton Park
Shelton, Nebraska

Edgar Customer Appreciation BBQ
September 28th
5:30 - 7:30 p.m.
Edgar American Legion
505 4th Street
Edgar, Nebraska


Cornerstone Bank Installs New ATM

East ATM Cornerstone Bank installed a new, drive-thru ATM at their downtown York branch located at 526 North Grant Avenue.

The new ATM is one of the final pieces of the construction project at the York East location and can be found in the far drive-thru lane. The building to the south of the branch was demolished in the fall of 2015, which made space for a wider drive-thru lane and some parking stalls. This is also the location of the Community Canvas, a mural contest for York residents.

“We are pleased to have a drive-thru ATM location in downtown York,” said Mandy Hengelfelt, Vice President of Marketing & Business Development at Cornerstone Bank. “This will be a great addition to the area just in time for Labor Day and Yorkfest.”

The new ATM is Cornerstone’s tenth ATM location in York. For a list of all Cornerstone Bank ATM locations, visit our ATM Locations page. 

Cornerstone Tennis Tournament - RESULTS!

The 34th Annual Cornerstone Bank Tennis Tournament was held Saturday and Sunday August 6 and 7 at the Levitt Tennis Courts in York. Over 80 competitors took part in the two day event, and there was a competition in nine separate divisions.

In the Men’s Open Championship final, Seth Harris of Crete met Erik Hjermstad of Lincoln. Harris defeated Hjermstad 6-3, 7-5.

In the Women’s Open Championship match Katherine Ternent of Lincoln defeated Clair Hying of Lincoln 6-2, 6-1.

Men's OpenSeth Harris (Crete) over Erik Hjermstad (Lincoln) 6-3, 7-5Men's Open 2016
Erik Hjermstad, Seth Harris

Men's BJameson Hofker (Lincoln) over Ed Kirkwood (Fremont) 6-4, 6-0Men's B 2016
Ed Kirkwood, Jameson Hofker

Men's 35Chris Warneke (York) over Frank Tenkorang (Kearney) 6-0, 6-0Men's 35 + 2016
Frank Tenkorang, Chris Warneke

Men's 50Phil Cook (Beatrice) over Mark Leahy (Fremont) Default after rain delay
Men's 50+ 2016
Phil Cook, Mark Leahy

Men's Open DoublesJoe Ritzdorf (Grand Island) and Comron Yazdgerdi (Hastings) over Seth Harris (Crete) and Grayson McCartney (Papillion) 3-6, 6-1, 10-6
Men's Open Doubles 2016
Grayson McCartney, Seth Harris, Joe Ritzdorf, Comron Yazdgerdi

Men's 35+ DoublesMark Leahy (Fremont) and Clark Thomas over Mike Willman (Fremont) and Chris Westergaard 3-6, 6-4, 10-7
Men's 35+ Doubles 2016
Mike Willman, Chris Westergaard, Clark Thomas, Mark Leahy

Women's OpenKatherine Ternent (Lincoln) over Claire Hying (Lincoln) 6-2, 6-1
Women's Open 2016
Katherine Ternent, Claire Hying

Women's BNicole Mittman (York) over Penny Jacobsen (York) 1-6, 6-3, 11-9
Women's B 2016
Penny Jacobsen, Nicole Mittman

Women's DoublesJennifer Heywood (Lincoln) and Kristin Weems over Tammy Tegler (Eagle) and Claire Hying (Lincoln) 6-1, 6-3
Women's Doubles 2016
Jennifer Heywood, Kristin Weems, Claire Hying, Tammy Tegler


Cornerstone To Purchase The State Bank of Hildreth

HILDRETH – An announcement was made today that Cornerstone Bank has entered into an agreement with the The State Bank of Hildreth to purchase the assets of the The State Bank of Hildreth. As of June 30, 2016, The State Bank of Hildreth had Total Assets of $31 million with Total Deposits of $26 million and Total Loans of $22 million. The purchase is subject to shareholder and regulatory approval with a closing date expected in the third quarter of 2016.

“Cornerstone is very pleased to be a part of the Hildreth Community and expand its banking activities in this rich agricultural area,” stated Kelly Holthus, Chairman of Cornerstone Bank. “This acquisition fits in very well to the long term plans of Cornerstone Bank and our commitment to the agricultural sector of the economy and also in serving many smaller communities in Nebraska. Matt Mundorf will continue as Manager of the Hildreth Branch and no other personnel changes are expected.”

Mr. Schnoor, Chairman of The Hildreth State Company, along with his wife Carmela Schnoor, want to thank the village of Hildreth and the surrounding area for their patronage over the past 110 years. Chairman Schnoor believes that Cornerstone Bank will provide a small town environment and provide long term support to Ag in the years to come.

Cornerstone Bank has approximately $1.5 billion in Total Assets and with the acquisition of The State Bank of Hildreth, Cornerstone will have 39 banking branches in 30 communities. Other communities include: Albion, Aurora, Bartlett, Bradshaw, Central City, Clay Center, Columbus, Edgar, Davenport, Geneva, Glenvil, Grand Island, Guide Rock, Hampton, Harvard, Henderson, Marquette, McCool Junction, Monroe, North Loup, Polk, Rising City, Shelton, St. Edward, Stromsburg, Sutton, Waco, Wilcox and York. Cornerstone Bank is owned by First York Ban Corp. of York.


Cornerstone Purchases Wilcox Branch of Iowa-Nebraska State Bank

Effective Friday, July 15th, the Wilcox Branch of Iowa-Nebraska State Bank was merged into Cornerstone Bank.

Mike Soneson will serve as Vice President and Manager of the Wilcox Branch. Mike is a native of the Holdrege area, and graduated from Holdrege High School and the University of Nebraska with a B.S. Degree in Agronomy.

He has farmed and also worked as a Loan Officer at the First National Bank of Holdrege for nine years. Mike and his wife, Marcia, have four grown children and nine grandchildren.

In addition to the purchase of the bank, Cornerstone also purchased the Iowa-Nebraska State Bank Insurance Agency at Wilcox. This agency will continue to be managed by Stephanie Harms.

Kelly Holthus, Chairman of the Board of Cornerstone Bank, stated that he felt the bank in Wilcox would be a very good fit for Cornerstone, as the customer base and services offered are similar to what Cornerstone is doing in several communities in east-central Nebraska.

With this addition, Cornerstone has 38 banking facilities in 29 communities and 15 insurance agencies in the 15 county area that it serves. Cornerstone Bank has $1.5 billion in total assets and is a wholly owned subsidiary of First York Ban Corp.


Cornerstone Bank Ag Intern Welcomed to York

Ag Intern - Katie

Katie Cumming, Cornerstone Bank Ag Intern, Kelly Holthus, Chairman of Cornerstone Bank, and Dr. Ron Hanson, Professor of Agribusiness at the University of Nebraska-Lincoln, pose for a photo during Dr. Hanson’s visit to York. Dr. Hanson retired this spring after 43 years of service to the University of Nebraska-Lincoln. He created the agribusiness program and the ag banking and finance program in the Department of Agricultural Economics. Cornerstone has enjoyed hosting an ag intern at the bank for all but one year of the program’s existence. We thank Dr. Hanson for his years of service and wish him well during retirement!


York Cornerstone Baseball Fan Appreciation Night

Cornerstone Bank wants to thank the Cornerstone Baseball fans. Free t-shirts and popcorn will be available inside the stadiums.

Baseball Graphic

York: Stop by Levitt Stadium in York on Tuesday, May 31st to watch the Cornerstone teams take on Aurora. The Juniors start at 5:30 pm and the Seniors play at 8:00 pm.

Albion: Swing by Leon Nelson Memorial Field at the Albion Sports Complex to watch the Cornerstone teams take on Sutton on Thursday, June 2nd. Juniors play at 5:30 pm and Seniors start at 8:00 pm. 

Central City: Join us at Kernel Field on Thursday, June 2nd to watch the Cornerstone Bank Juniors take on Shelton. Juniors start at 5:30 pm and Seniors play at 8:00 pm.

Columbus: Come out to Legion Field at Pawnee Park on Tuesday, June 7th to watch the Cornerstone Insurance Seniors take on Kearney. Juniors play at 5:00 pm and the Seniors at 7:30 pm.


NBA Selects Kris Holoch as Chairman-Elect

LA VISTA, NE – May 6, 2016 – Kristie Holoch, chief executive officer of Cornerstone Bank in York, Neb., was selected as chairman‐elect of the Nebraska Bankers Association (NBA) during the association’s Annual Convention on Thursday, May 5, at the Embassy Suites in La Vista. Holoch will assume chairmanship of the NBA in May 2017.

Holoch began her professional career as an office manager at York General Hospital in York, Neb., in 1987. Upon leaving in 1990, she joined Kopsa Otte Associates where she was an accountant until 2000.

Kris Holoch
Kris Holoch
NBA Chairman-Elect

After leaving Kopsa Otte Associates, Holoch accepted a position with Cornerstone Bank in York as executive vice president, retail banking. She presently serves as the bank’s chief executive officer and director.

At the local level, Holoch is currently the president of the York Community Foundation and an ambassador for the York Area Chamber of Commerce. She also serves on the boards of directors for the York Chamber of Commerce (where she also serves on the executive committee), York General Healthcare Services, the Nebraska Independent College Foundation, Concordia University Foundation, and the Holthus Convention Center Foundation. Holoch also has served as president of Chapter HH P.E.O. and as treasurer/financial secretary of Faith Lutheran Church in York.

In addition, Holoch has played an active role in the NBA, serving on the NBA Board of Directors and the NBA Operations Committee. She also has served on the NetWorks Board of Directors for many years, and currently is the organization’s secretary/treasurer.

Holoch is the third member of her immediate family to hold the position of NBA chairman. Her father, C.G. “Kelly” Holthus, chairman of Cornerstone Bank, served as NBA chairman exactly 30 years ago in 1986‐1987, and her late brother, Kendell Holthus, held the position in 2011‐2012.

Holoch and her late husband, Greg, have three children: Kylee, Cody, and Zac. Kylee and her husband, Doug Roberts, work in real estate development in Lincoln, Neb. Cody and his wife, Jessica, reside in York, where he works as a construction manager for Cornerstone Bank and she owns Pixie Stix Daycare. Zac, the youngest, is regional president of Cornerstone Bank and is married to Courtney, who works as an ultrasound tech for Surgical Group in York. Holoch is also the grandmother of six children.


NBA Elects Board of Directors

Ray McKenna
Ray McKenna

The Nebraska Bankers Association elected several new members to the 2016‐2017 NBA Board of Directors during the association’s Annual Meeting held Friday, May 6, at the Embassy Suites in La Vista. The board consists of 25 bankers and is the official governing body of the Nebraska Bankers Association (NBA). Representing Cornerstone Bank on the NBA Board of Directors is Ray McKenna, Executive Vice President of Financial Services.




NBA Leadership Class of 2018 Selected

Troy Lindsley
Troy Lindsley

The Nebraska Bankers Association (NBA) created the Leadership Program to enhance the leadership, organizational, and performance skills of highly motivated, mid‐ to upper‐level bankers. The program establishes a network of bank leaders who understand and can respond to local and national issues impacting the banking industry. Individuals completing the two‐year Leadership Program attend six practical sessions, each concentrating on an area of successful business operation, as well as a variety of NBA programs. Representing Cornerstone Bank in the NBA Leadership Class of 2018 is Troy Lindsley, Vice President and Manager in Stromsburg.


Cornerstone Open House for Shawn Eichorst and Mike Riley


Shawn Eichorst, University of Nebraska’s Director of Athletics, and Mike Riley, University of Nebraska’s Head Football Coach, will be at the Holthus Convention Center for an open house hosted by Cornerstone Bank on Wednesday, May 11th from 2:00 to 3:30 p.m. Several other University of Nebraska Athletic Department staff members will also be in attendance. Please note the change in location of this event to accommodate more guests.

The public is encouraged to attend and visit with Mr. Eichorst and Mr. Riley. Refreshments and cookies will be served. Please contact the Marketing Department at Cornerstone Bank with any questions.





Cornerstone Bank 34th Annual Tennis Tournament

Cornerstone Bank will host its 34th annual non-sanctioned tennis tournament August 6th and 7th at Levitt Tennis Courts next to York High School.

Entries will be limited to one single and one double. The matches will be the best of three sets with a 12-point tiebreaker at 6-all. There will be a super tie breaker if sets are split in lieu of a third set.

Registration forms are now available (2016 Tennis Registration Form). The entry deadline is noon Wednesday, August 3rd. Singles entry fee is $15.00 per division and doubles entry fee is $20.00 per team.

Pairings will be available after noon on Friday, August 5th from Mandy Hengelfelt at Cornerstone Bank at (402) 363-7423 before 5 p.m. or you can visit our website.

View and complete the 2016 Tennis Registration Form today! Please call Mandy Hengelfelt at (402) 363-7423 for any further information. 


Cornerstone To Purchase Wilcox Branch of Iowa-Nebraska State Bank

WILCOX – April 25, 2016 – Mark Buckley, President of Iowa-Nebraska Bank and Kelly Holthus, Chairman of Cornerstone Bank announced today an agreement has been reached for Cornerstone Bank to purchase the Wilcox branch of Iowa-Nebraska State Bank in Wilcox, Nebraska. 

The Wilcox branch of Iowa-Nebraska State Bank has deposits of $19 million and loans of $10 million. This purchase only includes the activity at the Wilcox branch and does not affect any of the other activities of the Iowa-Nebraska State Bank. The purchase is subject to shareholder and regulatory approval with a closing date expected in the third quarter of 2016.

Kelly Holthus stated Cornerstone Bank is very pleased to be a part of the Wilcox Community and extend its banking activities into the area of Kearney County, Nebraska. Cornerstone has long been committed to the agricultural sector of the economy and also in serving many smaller communities in central Nebraska.

Mark Buckley, President, thanked the employees of the bank for their many years of outstanding and loyal service. Given Cornerstone’s depth and focus in serving smaller communities in central Nebraska, Mr. Buckley shared his confidence that Cornerstone Bank will be an excellent steward for Wilcox’s customers and the broader community of Wilcox. By coincidence, Mr. Buckley’s grandfather, Winton W. Buckley I, served on the board of directors of First National Bank of York, now Cornerstone Bank, for many years until his passing in 1942. Once the purchase closes, existing customers of the bank will have full access to Cornerstone’s branch locations, ATM network, and many other services such as online and mobile banking.

Cornerstone Bank is a $1.5 billion bank and with the acquisition of the Iowa-Nebraska State Bank of Wilcox, Cornerstone will have 38 banking branches in 29 communities. Other communities include: Albion, Aurora, Bartlett, Bradshaw, Central City, Clay Center, Columbus, Edgar, Davenport, Geneva, Glenvil, Grand Island, Guide Rock, Hampton, Harvard, Henderson, Marquette, McCool Junction, Monroe, North Loup, Polk, Rising City, Shelton, St. Edward, Stromsburg, Sutton, Waco and York. Cornerstone Bank is owned by First York Ban Corp of York, Nebraska.

Defending Yourself Against Identity Theft

As technology advances, you can be sure that identity thieves are not far behind. Here are some common methods cyberthieves use to steal your personal information and how you can increase your security while shopping or banking.


Your email messages may not be quite what they appear to be if you're targeted by a phishing scam. Phishing is the act of sending fraudulent emails that seem to come from familiar businesses. These messages contain links to phony websites designed to steal personal information either directly or through malware and keyloggers. Often you'll see a problem referenced with a request to click on the link provided to correct it. Once you've entered your information, ID thieves can access your accounts.

Vishing is the telephone version of phishing. Callers are sometimes bold enough to suggest the victim call back to verify authenticity. But the vishers don't actually hang up; instead they play a recorded dial tone to make the victim believe he's making a call.

Debit and credit card fraud

Most shoppers love the convenience of plastic, and identity thieves use this to their advantage whether it involves skimming, phishing, vishing, malware, mail theft or just looking over a victim's shoulder to steal account numbers. When debit cards are compromised, it's particularly alarming because fraudulent purchases drain your checking account instantly.

BEC scams

Business email compromise, or BEC, scams have cost companies more than $1.2 billion. A phony email from a CEO requesting that funds be transferred per attached instructions is sent to an employee. Because the email appears to come from the employee's superiors, and because the message so closely resembles requests this employee receives regularly, the transfer is often made without question. The money then ends up in overseas accounts that are almost impossible to trace.

Tips to protect yourself

To even further reduce fraud risk:

  • Install the latest editions of antispyware, antivirus, firewalls and browsers to all devices, and password-protect them.
  • Use strong passwords for all accounts and change them frequently.
  • Monitor accounts and credit reports to detect fraud early
  • Don't use public Wi-Fi networks for financial transactions.
  • Keep cards away from public view, and shred personal documents before discarding.
  • Opt in for two-factor authentication on accounts.
  • Turn off bluetooth and near field communication when not in use.
  • Don't click on email links. Type full web addresses to access business websites.
  • Never share sensitive information with unsolicited callers or email senders.
  • To verify calls, hang up for at least one minute to insure the first call is disconnected.
  • To protect your business from BEC scams, use a two-step verification process for all money transfers. Verbal confirmation is also wise.
  • Staying informed and adopting smart fraud prevention practices will go a long way toward protecting your identity. Between your efforts and your bank's security, you should be able to stay a step ahead of identity thieves.

© Copyright 2016 NerdWallet, Inc. All Rights Reserved.


Cornerstone Honors Dr. Don Witte on his Retirement

Dr. Don Witte was honored upon his retirement as a member of the Board of Directors of Cornerstone Bank at a dinner held on Wednesday, March 30, at the York Country Club.

Don Witte Retirement

Pictured: Kelly Holthus and Dr. Don Witte

Dr. Witte was first elected to the Board of Directors of the First National Bank of York in 1986 and in 1997 when First National Bank of York became Cornerstone Bank, he joined the Board of Directors of the bank and has continued to serve since that time. Dr. Witte has served on the Board for a total of 30 years.


Nebraska 150th Paintings

Cornerstone Bank held a Meet The Artist event on Monday, March 14th at the main bank in York, featuring the work of Nebraska artist, Todd Williams.


Pictured: Kelly Holthus, Kris Holoch and Todd Williams

The Nebraska 150 project: Painting the Legacy of Nebraska is in honor of Nebraska’s 150th anniversary taking place in 2017. Todd will paint historical scenes from all 93 counties in Nebraska.

Cornerstone Bank is proud to sponsor nine of Todd’s paintings, representing nine different Nebraska counties: Boone, Butler, Clay, Fillmore, Polk, Thayer, Valley, Wheeler and York.

Below are the nine paintings sponsored by Cornerstone Bank:

boone county

Olson Nature Preserve
Boone County
Oil 20" x 30"

butler county

Big Blue River Bridge
Butler County
Oil 24" x 36"

clay county

Courthouse Office 1907
Clay County 
Oil 20" x 30"

fillmore county

Prairie-settles 1893
Fillmore County
Oil 24" x 30"

polk county

C. H. Morrill Homestead
Polk County
Oil 24" x 30"

thayer county

Margaret Past 1899
Thayer County
Oil 24" x 18"

valley county

Last Light on Loup River
Valley County
Oil 20" x 30"

wheeler county

Bartlett Museum
Wheeler County
Oil 15" x 30"


york county

Farm Land
York County
Oil 15" x 30"



Cornerstone Bank Honors 46 a Recognition Dinner

On Monday, January 4, 2016 Cornerstone Bank held its annual Employee Recognition Dinner at the York Country Club. Recognition gifts were presented to 46 honorees at that time.

Recognition Dinner Ray Kelly
Pictured: Ray McKenna and Kelly Holthus

Employees who were recognized for 5 years of service included Rhonda Anson, Cindy Brown, Aaron Burger, Sarah Carlstrom, Lyndsey Christensen, Andrea Eck, Pam Ehlers, Sarah Enderle, Zac Holoch, Susie Johnson, Rita Mach, Nancy Paulson, Gina Pickinpaugh, Gayle Roemmich, Scott Scheierman, Christy Schuck, Rick Schwindt and Scott Wiltfong.

Melissa Capek, Peg Heine, Kelly Kitt, Dianne Strothkamp, Becky Stuhr, Corbin Tessman, Deb Tonniges, Becky Weber and Karina Yanes were honored for 10 years of service.

Those recognized for 15 years included Todd Anderson, Jane Baxa, Jim Hoffmann, Kris Holoch, Mark Jones, Jean Urkoski and Maria Zarraga.

Twenty year honorees included Diane Chrisman, Beth Hoffschneider, Laurie Olson, Kent Pettygrove and Diane Thieszen.

Kathy Fuehrer, Jean Gardner, Randy Hesson and Matt Leif were 25 year honorees.

Thirty five year honoree was Ray McKenna.

Ron Winquest was recognized for 40 years.

Fifty year honoree was Kelly Holthus.


Holoch Steps Up at Nebraska Family Bank

NorthWestern Financial Review
Outstanding Women in Banking 2015 by Matthew Doffing & Mara Gawrecki

In July, Kris Holoch was named to succeed her father Kelly Holthus as CEO of the $1.4 billion Cornerstone Bank. She came to that position after overcoming a year of personal tragedy to lead the York, Neb., bank to continued success and expansion.

Holoch is one of six women honored by NorthWestern Financial Review as a 2015 Outstanding Woman in Banking.

Her brother, Kendell Holthus, who had been a commercial and agricultural loan officer at Cornerstone, died of cancer in March 2014. Her husband Greg had been diagnosed with amyotrophic lateral sclerosis – Lou Gehrig’s disease – the previous fall. At first, Holoch decided to build a house with everything on one level so her husband would be able to navigate with ease whether he used a walker or wheelchair. Nine months after the diagnosis, however, and in the middle of construction, he passed away in June 2014.

“While that was a tremendous loss, she didn’t let it stop her,” Kelly Holthus said. “She felt, for her own good and the good of the people around her, she needed to work her way through and be a steady leader. I think she handled it very well.”

Despite those struggles, Holoch is more than ready to tackle the challenges that come with her new role. Chief among her assets is her boundless energy and deep people skills, said Holthus, who was named NorthWestern Financial Review’s inaugural Banker of the Year in 1989. “Kris has a very high energy level and therefore she is very busy and wants to be very busy. She’s actively involved in everything going on,” he said. “Our organization is widespread and other people might find it hard to get their arms around; not her. I think she fits the job description very well.”

A large part of executive work is managing personnel, Holoch said. It is a continual investment of time to make sure the right people are in the right places, and that they have what they need to grow and flourish.

“Everyone can remember how big the bank was when they started,” she said. “When my dad started it was $50 million. When I started, summer of 2000, it hit $300 million; now we’re at $1.4 billion. We’ve seen a lot of growth, and a lot of branches in a lot of communities.”

Those personnel skills were honed from working with the bank’s human resources department, which began shortly after she joined Cornerstone, working in the newly formed electronic banking department to implement internet banking. Previously, she had spent time working as a teller and in the trust departments at other Nebraska banks and as a CPA with a York firm.

Besides her responsibilities at Cornerstone, Holoch serves on the board of directors of the Nebraska Bankers Association, an organization she and her father have supported for a long time.

“When she was dealing with family crises, she was able to help lead Cornerstone to continued success,” said Richard Baier, NBA president. “Kris has been essential in making the transition and implementing the continued plan of Cornerstone as a family bank in Nebraska.”

Her youngest son also works in the bank as a lender, and Holoch is looking forward to passing on the bank to a third generation.

“I grew up hearing all the talk with banking and had early interest in banking as a career,” she said. “I’m really thrilled now that I can. I’ve loved every minute of it. It’s been an energizing, challenging, fun career to have.”

Holoch is poised to lead a re-invigorated team in the next chapter of Cornerstone’s history. Along with other members of the executive committee, she completed an organizational overhaul.

As well as restructuring the bank’s staff, Holoch did finish building her house after her husband’s death. It sits next to a golf course and although she does not golf, her two sons and son-in-law do. When a memorial scramble golf tournament was held in her late husband’s honor, her sons, son-in-law and her husband’s best friend teamed up to win the tournament.


Cornerstone Receives Lender Honors from USDA Rural Development

YORK--Cornerstone Bank in York, Nebraska was recognized today by USDA Rural Development Nebraska State Director Maxine Moul as a Top Ten Lender (Ranking sixth) for the Fiscal Year 2015 USDA Rural Development’s Guaranteed Rural Housing (GRH) loan program. Cornerstone Bank, delivered in excess of $3.2 million in home loans to allow 36 rural Nebraska families to “build a better future together.”

Lending Award

Pictured Left to Right: Jean Gardner, Maxine Moul the director of USDA Rural Development, Gene Oxley, Ashley Luethje

In Fiscal Year 2015, 75 approved lenders participated in the GRH program and provided more than $103 million to assist 1,030 rural Nebraska households in achieving homeownership. The program assists first time homebuyers and those who are seeking a different home because of changing family needs.

Moul said, "We appreciate the Nebraska approved lenders, our partners, who make this program such a success. We anticipate another active year and we look forward to helping more rural Nebraskans to achieve the dream of homeownership. I wish to thank Cornerstone Bank for their dedication in using the program.”

With guaranteed financing, private lending institutions provide the loans which are guaranteed by the federal government. The program features no down payment to eligible income households and no maximum mortgage limits. Homes must be located in rural areas. All communities in Nebraska are eligible for USDA Rural Development housing programs with the exceptions of Fremont, Grand Island, Hastings, Kearney, Lincoln, North Platte, Omaha and South Sioux City/Dakota City. See for eligible areas.

GRH loans have been processed in 76 out of the 93 counties throughout Nebraska.

Existing guaranteed or direct loan borrowers may refinance their home loans under the GRH loan program to obtain a possible lower interest rate.

For additional information on becoming an approved lender contact Krista Mettscher at USDA Rural Development, 100 Centennial Mall North, Suite 308 Lincoln, NE 68508, (402) 437-5518 or at Visit

President Obama’s plan for rural America has brought about historic investment and resulted in stronger rural communities. Under the President’s leadership, these investments in housing, community facilities, businesses and infrastructure have empowered rural America to continue leading the way – strengthening America’s economy, small towns and rural communities. USDA’s investments in rural communities support the rural way of life that stands as the backbone of our American values.


Cornerstone Purchases Guide Rock State Bank

GUIDE ROCK--Effective Thursday, October 8th, Guide Rock State Bank, with branches in Guide Rock and Edgar, was merged into Cornerstone Bank.

The entire staff of the former Guide Rock State Bank will continue with Cornerstone, and Scott Vogler will continue as Vice President and Manager of the Guide Rock branch. Dave Bondegard, who is Vice President and Manager of Cornerstone Bank in Clay Center, Glenvil and Davenport, will also serve as Vice President and Manager of the Edgar branch.

Scott Vogler added becoming part of the Cornerstone family will benefit customers. Cornerstone has a reputation for community focused banking on which Guide Rock State Bank was founded and will provide additional financial services such as mobile banking, home mortgages and trust and investment services to name a few.

Kelly Holthus, Chairman of the Board of Cornerstone Bank, stated that he felt the banks in Guide Rock and Edgar would be a very good fit for Cornerstone, as the customer base and services offered are similar to what Cornerstone is doing in several communities in east central Nebraska.

With this addition, Cornerstone has 37 banking facilities in 28 communities and 14 insurance agencies in the 14 county area that it serves. Cornerstone Bank has $1.4 billion in total assets and is a wholly owned subsidiary of First York Ban Corp.