Charles City

Contact

Address:

809 Clark St.
Charles City, IA 50616
View Map and Get Directions

ATM Access Available

Phone: 641-228-2343
Fax: 641-228-2318

Hours

Lobby:

Charles City Lobby for mobile device users
Monday – Thursday	8:30 a.m. to 4:00 p.m.
Friday	8:30 a.m. to 5:00 p.m.

Drive-Up Video Banking:

Charles City Drive-Up Video Banking for mobile device users
Monday - Friday	7:00 a.m. to 6:00 p.m.
Saturday	8:00 a.m. to 1:00 p.m.

Serving the Charles City community since 1903

Since day one, First Security has delivered expert, forward-thinking financial services with personalized customer care. While we’ve grown and expanded across North Central Iowa, our values remain unchanged. We offer the best of both worlds—innovative solutions like a megabank, with the personal service only a community bank can provide.

Serving You at This Location

Chris Corcoran Vice President Senior Ag/Commercial Lender Charles City 641-257-1282 Cell: 319-231-4700 Email Chris

Chris Corcoran Vice President Senior Ag/Commercial Lender
641-257-1282 | Email Chris
Cell: 319-231-4700

Get to Know Chris

Chris Corcoran brings over 25 years of expertise in lending and executive leadership to our team. He holds a bachelor's degree in agriculture business and finance from Iowa State University. His banking education includes completing the Iowa Bankers Association’s Commercial Lending School, the Iowa School of Banking, and numerous advanced finance courses through Performance Trust University.

As a firm believer in community involvement, Chris is active in several organizations, including Pheasants Forever, Redeemer Lutheran Church, and he is a coach for youth sports.

Chris enjoys spending quality time with his wife, Jessica, and their three children. The family makes annual trips to the Mississippi River to enjoy outdoor activities.

The Most Rewarding Part of my Job
The most rewarding part of my job is the success of clients, strong relationships, having a shared journey towards growth and achievement, and seeing the impact of my efforts as they succeed.

What I'm Doing Outside of Work
I’m coaching youth sports or spending time with my family!

Something You Wouldn't Guess About Me
My family and I take trips to the Mississippi River every year to enjoy the outdoors!

Andria Hillegas Ag/Commercial Lender Charles City 641-257-1257 Cell: 641-426-6953 Email Andria

Andria Hillegas Ag/Commercial Lender
641-257-1257 | Email Andria
Cell: 641-426-6953

Get to Know Andria

Andria Hillegas started at the bank in 2016 as an Ag/Commercial Loan Processor and Servicing Clerk and full-time college student. Her educational background includes a bachelor's degree in business administration from Upper Iowa University and the Iowa Bankers Association’s (IBA) Commercial Lending School. Andria has received several promotions since her start at the bank including Loan Operations Specialist, Credit Analyst, and Loan Administrative Specialist. In 2023, she was promoted to Ag/Commercial Lender.

Andria enjoys spending time with her family and friends outside of work.

The Most Rewarding Part of my Job
The most rewarding part of my job is supporting customers in achieving their goals, whether that’s starting a business, investing in property, or buying land.

What I'm Doing Outside of Work
Outside of work, I’m spending time with my friends and family!

Something You Wouldn't Guess About Me
I love the outdoors! I’m hunting, camping, kayaking, or hitting trails!

Tracey C. Lynch Retail Lender 641-257-1214 Email Tracey NMLS ID: 1165136

Tracey Lynch Retail Lender NMLS ID: 1165136
641-257-1214 | Email Tracey

Get to Know Tracey

Tracey lives in Charles City with her husband, and together they have raised two children. Tracey began her career at First Security in the Retail Department in 2002. In 2014, while working as a Lead Retail Advisor, she added retail lending to her areas of expertise. Several years ago, she moved to the retail lending side full-time as a Consumer and Real Estate Lender. Tracey is a graduate of the Iowa Bankers Association's Consumer Credit School and is a licensed Credit Life and Disability Agent.

The Most Rewarding Part of my Job
The most rewarding part of my job is assisting customers with their banking needs and helping dreams come true.

What I'm Doing Outside of Work
I’m spending time with family and friends!

Something You Wouldn't Guess About Me
I grew up in Massachusetts, and I owned and operated a small diner when I was younger!

Kelsey McGregor Portfolio Manager Charles City 641-257-1283 Email Kelsey

Kelsey McGregor Portfolio Manager
641-257-1283 | Email Kelsey

Get to Know Kelsey

Kelsey McGregor started at First Security in the fall of 2021 as a Loan Assistant Supervisor. Her educational background is unique; she received a Bachelor of Science degree from Upper Iowa University (UIU.) After graduation, Kelsey attended Des Moines University’s Doctor of Physical Therapy program, but she later decided she wanted to change her career path. After this decision, Kelsey gained four years of experience in banking, including working with debit cards, ATMs, personal banking, and loans.

Kelsey is from North Washington, IA. As a local, she dedicated her time to her community, volunteering with school activities. Kelsey loves the outdoors; she hunts, fishes, camps, and learns new things on the family farm with her husband, Chet. The couple recently welcomed a baby girl into their family in July 2024, so they are always busy!

The Most Rewarding Part of my Job
The most rewarding part of my job is being part of a team that’s able to help customers achieve their goals to have successful operations, whether they’re ag or commercial. Seeing things come together is a great feeling!

What I'm Doing Outside of Work
I love everything outdoors, and my family spends a lot of the summer fishing in MN. I have a fishing trophy from when I caught a 51” muskie in 2013. In the fall, I deer hunt!

Something You Wouldn't Guess About Me
My husband and I help on the family farm. We help raise row crops, feed cattle, and raise a cow/calf herd. It seems like we are always busy with life at the farm!

Drew Mitchell Ag/Commercial Lender Charles City 641-257-1223 Cell: 641-426-6293 Email Drew

Drew Mitchell Ag/Commercial Lender
641-257-1223 | Email Drew
Cell: 641-426-6293

Get to Know Drew

Drew Mitchell joined First Security in 2022 as a Credit Analyst. In 2023, Drew was promoted to Ag Lender. He received a degree in Ag Business from Iowa State University and has completed the Iowa Bankers Association's (IBA) Intro to Commercial Lending School and Ag Credit School.

Drew grew up on a farm near Charles City, IA, and throughout his childhood, he showed cattle through FFA and 4-H. He is dedicated to his community as a member of the Floyd County Fair Board, as a coach for the Charles City High School football team, as a member of Main St. Charles City Business Improvement Committee, and as a member of the Charles City Lion’s Club.

Drew enjoys spending time with his wife, Madison, his family and friends, watching sports, and attending cattle shows.

The Most Rewarding Part of my Job
The most rewarding part of my job is being a resource for clients and helping them with ideas, opportunities, and problems.

What I'm Doing Outside of Work
I’m hanging out with my wife, family, friends, watching sports, and attending cattle shows!

Something You Wouldn't Guess About Me
I’m an Iowa Hawkeye fan, but I graduated from Iowa State!

Kim D. Schlader Vice President/Retail Lending Manager 641-257-1249 Email Kim NMLS ID: 458515

Kim Schlader Vice President/Retail Lending Manager NMLS ID: 458515
641-257-1249 | Email Kim

Get to Know Kim

Kim is a lifelong Charles City native. She graduated from North Iowa Area Community College and attended the University of Northern Iowa. Throughout her career, Kim has pursued professional development opportunities. She has earned the Certified Community Lender credential, graduated from the Iowa Bankers Association's (IBA) Consumer Credit School, and participated in the IBA Leadership Institute. She is also a licensed Credit Life and Disability Agent.

Beyond her professional achievements, Kim gives back to her community. She is a part of the Charles City Rotary Club and is on the Floyd County Compensation Condemnation Board. Kim enjoys camping, boating, and traveling with her husband, their four children, in-laws, and grandchildren.

The Most Rewarding Part of my Job
The most rewarding part of my job is helping customers purchase their first home.

What I'm Doing Outside of Work
I'm camping, boating, and traveling with my family!

Something You Wouldn't Guess About Me
I went to college for nursing before becoming a banker!

Lacy Schoenfeldt Retail Lender 641-257-1216 Email Lacy NMLS ID: 2087672

Lacy Schoenfeldt Retail Lender NMLS ID: 2087672
641-257-1216 | Email Lacy

Get to Know Lacy

Lacy Schoenfeldt joined the First Security team in 2014, bringing with her customer service skills, leadership experience, and administrative talents. She graduated from North Iowa Area Community College with an associate’s degree and an administrative office associate diploma. During her time at First Security, she has been promoted multiple times to positions including Loan Operations Specialist, Retail Lending Specialist, and most recently, Retail Lender in 2023. In this role, she underwrites mortgage and consumer loans. Lacy has completed the Iowa Bankers Association’s Consumer Credit School, and she's a licensed Credit Life and Disability Agent.

Lacy lives with her family near Bassett, Iowa. She and her husband are busy raising two children, and their family also consists of two dogs and a cat.

The Most Rewarding Part of my Job
The most rewarding part of my job is helping first-time home buyers.

What I'm Doing Outside of Work
I’m going outside and relaxing with my family!

Something You Wouldn't Guess About Me
I recently started collecting house plants!

Scott A. Smits Chief Lending Officer Charles City 641-257-1232 Cell: 641-426-6914 Email Scott

Scott Smits Chief Lending Officer
641-257-1232 | Email Scott
Cell: 641-426-6914

Get to Know Scott

Before working with First Security, Scott worked in Mankato, Minnesota for a community bank as the Chief Credit Officer. Additionally, Scott has worked as Chief Risk Officer, Banking Consultant, and Credit Analyst for organizations in Chicago, Illinois, and on both the East and West Coasts.

Scott is dedicated to his family and his community. He and his wife of 38 years have four daughters living throughout the country. They enjoy traveling to see their children and volunteering for organizations like United Way and Partners Worldwide.

The Most Rewarding Part of my Job
The most rewarding part of my job is helping customers meet their financial goals for their business or personal life!

What I'm Doing Outside of Work
I'm traveling to see my daughters or volunteering with my wife!

Something You Wouldn't Guess About Me
I’ve camped in 28 different states, visited 16 countries, and lived in 8 different states.

Molly Sommerfelt Loan Assistant Charles City 641-257-1357 Email Molly

Molly Sommerfelt Loan Assistant
641-257-1357 | Email Molly

Get to Know Molly

Molly Sommerfelt joined First Security Bank & Trust as a Retail Advisor in 2021 as a full-time college student. After completing her associate’s degree in administrative management from Hawkeye Community College, she was promoted to Loan Assistant in 2022.

Molly enjoys spending time with her friends and family. She loves summer because the warm weather allows her to go boating with them.

The Most Rewarding Part of my Job
The most rewarding part of my job is learning more about ag business, and I’m looking forward to furthering my career.

What I'm Doing Outside of Work
I enjoy walking my dogs, spending time with friends and family, and boating in the summer!

Something You Wouldn't Guess About Me
I enjoy deer hunting with my husband and spending time outside!

Cleo G. Spencer Vice President Senior Ag/Commercial Lender Charles City 641-257-1244 Email Cleo

Cleo Spencer Vice President Senior Ag/Commercial Lender
641-257-1244 | Email Cleo

Get to Know Cleo

Cleo Spencer joined First Security in 2025 as a Senior Lender, providing both hands-on and professional experience to the Ag Lending team. He was raised in a small ag community in Idaho, and after leaving, Cleo joined the military and served his country. He went on to receive an associate's degree in business administration from the College of Southern Idaho and a bachelor's degree in accounting from Boise State University.

Cleo's career highlights include working as a lender with a focus on row crops and cattle operations, owning his own registered cow-calf operation, and serving as CEO of a company that specialized in growing seed and processing potatoes. Prior to First Security, he owned an aviation company that provided chemical spraying services and sold them as well.

Cleo's whole family is involved in agriculture. His wife, Autumn, has a master's degree in Ag Extension, and their four daughters have always been active in their cow-calf operation. The skills taught by ag are fundamental values for the family: work ethic, respect, and responsibility.

The Most Rewarding Part of my Job
The most rewarding part of my job is seeing customers succeed with their goals and being a part of that process.

What I'm Doing Outside of Work
I'm shooting, hunting, or with my family!

Something You Wouldn't Guess About Me
I taught my wife how to crochet! My grandmother taught me, and when Autumn wanted to learn, I offered to teach her.

On-site services

ATM
Drive-Up Video Banking
Lobby
Night drop