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Personal Banking Team

Community Relationships are our priority, and the Retail Banking Team here at Croghan strives to help you have the most successful banking relationship possible. We're here to help our communities by providing financial education, sponsorships, and volunteering in our local areas. It's our responsibility to support, improve, and give back to the communities we serve. That's how we Help Good People Make Good Decisions!


Theresa ElfringTheresa Elfring

VP, Senior Manager - Client Experience 

Theresa is effective in helping to move Croghan forward by providing attention and focus on the customer experience. She is proud to lead and work alongside a team committed to its customers and communities. Theresa sees the value in financial education as a way of providing our youth with the tools and education to lead bright financial futures. She has over 20 years of retail banking experience and is known as a Mom, wife, coach, and volunteer.

Phone: 419-333-4708









Melissa WalkerMelissa Walker

VP, Retail Operations Manager

Melissa manages branch operations and branch services and works to improve the customer experience. She ensures employees comply with the banking regulations designed to protect customers, employees, and the bank. Melissa oversees all security matters, which range from fraud, adult financial exploitation and even employee and customer safety.

Melissa strives to lead by example, personifying her values of kindness, compassion, empathy, and hard work. She enjoys continuing to expand her knowledge and growth from every experience.

Melissa is a graduate of Fremont St. Joseph Central Catholic High School and a Graduate of the BAI School of Retail Banking at the University of Wisconsin. She is active in her local community serving as a current member of the Oak Harbor Rotary Club and the Past President of the Port Clinton Rotary Club of Main St Port Clinton.

She resides in Oak Harbor with her husband and enjoys golfing and spending time with her family.

Phone: 419-355-2277

Jodi AlbrightJodi Albright

VP, Regional Manager

Being a lifelong resident of Fremont, Jodi is proud to be a community banker and fortunate to be in a position to help others. Jodi has spent her career in retail banking, working closely with the team to ensure an excellent customer experience. She has been instrumental in branch sales and service, retail lending, operations, business development, acquisitions, and security.

Jodi attended Terra State Community College and graduated from the Ohio Bankers League School of Banking and Leadership Sandusky County. She prides herself on being a Croghan Ambassador, being involved in various organizations, and volunteering her time in the community. Jodi is a former President of the Fremont Kiwanis Club and a Chair of the Kiwanis’ All-Inclusive Play Park. She is a Past Chair and Ambassador for the Sandusky County Chamber of Commerce and served on the Downtown Fremont Board of Directors. She is a recipient of the 2014 Sandusky County Chamber of Commerce Clark Ambassador Award.

Jodi enjoys spending time with her husband, daughters, and grandchildren. In her free time, she loves traveling, boating, and camping.

Phone: 419-355-2234

Jeanette EidenourJeanette Eidenour

AVP, Regional Manager

Jeanette enjoys working and building relationships in the Fremont area and surrounding communities. She is passionate about helping customers achieve their financial goals, believing each customer has a unique story. By listening and getting to know each customer, she can work to provide a personalized solution, equipping customers with the education and tools they need to achieve financial success. Helping others is one of the most rewarding aspects of her role with Croghan.

Jeanette is a former ambassador for the Sandusky County Chamber, serves on the board of Downtown Fremont, and is a 2018 graduate of Leadership Sandusky County.

Outside of work, Jeanette enjoys spending time with her husband and two children. They enjoy outdoor activities, camping, and working together on their family farm as a family.

Phone: 419-333-4742




Rebecca EstepRebecca Estep

AVP, Clyde & Green Springs Area Manager

Rebecca is proud to be a community banker, Croghan ambassador, retail lender, and trusted advisor for Clyde, Green Springs, and surrounding communities. The biggest reward of her job is being able to help people. Everyone has their own story and goals, and she gets to help them no matter where they may be on their financial journey. She works hard to help customers achieve their version of financial stability. Rebecca has been working as a banker in the Clyde community for over 20 years and has great pride and love for this community and the people she serves.

Rebecca is a 2008 Sandusky County Chamber of Commerce Clark Ambassador Award winner, a 2016 graduate of Leadership Sandusky County, and a 2017 Champion of CASA Dancing with the Stars.

Outside of work, she loves spending time with her son, family, and friends. Rebecca also loves cooking, listening to music, being outdoors, and thrift shopping.

Phone: 419-547-2759

Maggie Hummel_0123Maggie Hummel

Port Clinton & Catawba Area Manager

Maggie has over five years of banking experience and believes her strength is being unapologetically herself. She gives her all into what she does and is passionate about learning and growing in whatever capacity she can. Maggie loves to connect on a genuine level with her customers. She strives to live her life in a way that encourages others.  

Maggie graduated high school and went on to receive her PENTA Marketing certificate. She takes pride in being chosen as part of the group that started Croghan Connected and being the Lead Digital Expert, allowing her to train the other Digital Experts on digital banking products. She is a part of Leadership Ottawa County and often volunteers for Croghan events.

Maggie spends most of her time outside the office with her husband and two daughters. They enjoy camping, riding their motorcycle, and spending time with friends. She enjoys cooking, baking, crafting, and cheering on her favorite sports teams.


Phone: 419-732-1186


Ashley HansenAshley Hansen

AVP, Oak Harbor, Oregon & Curtice Area Manager

Ashley strives to make it a personal and professional priority to focus on the youth in Oak Harbor and surrounding communities as a Croghan brand ambassador. Ashley truly believes in our motto. Her overall goal for the Oak Harbor Market is that her community can identify, without hesitation, that Croghan Colonial Bank has a strong presence and is participating in the community.

Ashley continues to advance within the banking industry, moving from a part-time teller to an Area Manager of her market. She cherishes that she can sit on a few boards in her community as Vice President.

Ashley likes to spend time with her husband, two young boys, and her dog outside work. Her family is an outdoor enthusiast, spending their time boating in the summer and snowmobiling in the winter.


Phone: 419-898-8526


Lou Anne SitterlyLou Anne Sitterly

AVP, Norwalk & Milan Area Manager

Lou Anne Sitterly has more than 30 years of experience with Croghan Colonial Bank. Lou Anne has worked in several local communities on her journey to Norwalk. She strives to be an active community member by participating in the local Salvation Army.

Lou Anne’s favorite part of what she does is building personal and business relationships with customers. She loves taking the time with each customer to ensure their needs are fulfilled.

Outside of work, she spends time with her two children and goes out with friends.

Phone: 419-660-6103







Gwen StallardGwen Stallard

AVP, Tiffin Area Manager

Gwen Stallard has over 35 years of banking experience in her local communities, and over half has been dedicated to helping customers in personal banking. She makes every effort to be an active community member by assisting our customers in the Tiffin Market.

Before coming to Croghan, Gwen attended Hondros College, received her insurance and investments license, and was delighted to incorporate this knowledge into banking.

Gwen also incorporates her vast experience in information technology and project management. With experiences in so many aspects of banking, Gwen is an essential part of Croghan Colonial Bank.

Phone: 419-448-1355

Nicol WaughNicol Waugh

Bellevue & Monroeville Area Manager

Nicol Waugh serves and represents Croghan Colonial Bank as a Brand Ambassador in the Bellevue and Monroeville communities.

Nicol has been in banking for over a quarter of a century, starting right out of High School. She began as a part-time teller, later moving to full-time in areas such as Operations, Lead Teller, Teller Supervisor, Assistant Manager, and Area Manager. She dedicates her growth and many accomplishments to Croghan and the experiences they have provided her.

Nicol has a quality of fun about her, dancing a little bit every morning before she leaves for work. Dancing helps brings out a tangible, energetic mood to boost morale and help everyone with whom she interacts.

Phone: 419-483-8407


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