Bank News

Shawn Eichorst Open House at Cornerstone Bank

Shawn Eichorst

Shawn Eichorst, University of Nebraska’s Director of Athletics, will be at Cornerstone Bank for an open house on Wednesday, May 11th from 2:00 to 3:30 p.m. on the fifth floor located at 529 Lincoln Avenue in York.

Mr. Eichorst was named the University of Nebraska’s 14th Director of Athletics in October of 2012 after serving as Director of Athletics at Miami in 2011 and 2012.

The public is encouraged to attend and visit with Mr. Eichorst. 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. 

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.