Farmers and Merchants Bank   Milligan, NE and Cawker City, KS  

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We sincerely believe that banking is a “people” business, people serving people. Personal service is the first priority of every member of the staff. A close second is knowledge that can be utilized to assist our customers in reaching their dreams. With the knowledge gained from over 150 years of combined banking experience coupled with the desire to be of service, the Farmers and Merchants Bank is an unsurpassed environment in which to conduct your banking business.

For Deposit Services in Milligan:

Checking, Savings, CDs, Travel Cards, E/EE Bonds, Check Orders, Safety Deposit Boxes, Cashier’s Checks and Money Orders Wendy Mussman
Emily Aude
Karen White
IRAs and HSAs Shannon Stuhr
Deb Filipi
Debit/Credit Cards  Shannon Stuhr
Jamie Schafer
Deb Filipi
Wire Transfers Wendy Mussman
Deb Filipi
H/HH Bonds Wendy Mussman
Deb Filipi

For Loan Services in Milligan:

Loan accounting (balances, payoffs, advances) Tracy Kresak

Kendra Jansky

Ann Jansky

Personal Loans (house, vehicle, boat, etc.) Kendra Jansky (NMLS ID# 684417)
Farm Service Agency or Business and Industry Guaranteed Loans Ann Jansky

Gary Dick
Mel Taylor

Agricultural or Business Loan Jeff Spiehs
Melvin Taylor

Gary Dick
Ann Jansky



For Deposit Services in Cawker City:

Checking, Savings, CDs, Travel Cards, E/EE Bonds, Check Orders, Safety Deposit Boxes, Cashier’s Checks and Money Orders, IRAs, HSAs and Debit/Credit Cards Dee Winkel
Miranda Robinson
Nancy Cary


For Loan Services in Cawker City:

All Loan Products Ross Weber



If you wish to know more about the people that are ready to meet your financial needs:


Jeff Spiehs

Jeff joined the bank in October, 2016 and was appointed as President in November, 2016.  As President, Jeff has responsibility for all functions of the bank. However, with the excellent staff at the bank, he is able to concentrate on his main responsibility as the Chief Lending Officer.  He comes to the bank from Homestead Bank of Cozad where he was the branch manager and loan officer for their Albion location since September 2013.  He started his banking career in 2007 as an agricultural loan officer with Platte Valley State Bank in Grand Island, now known as First National Bank of Omaha.

Jeff has been active in banking activities, having graduated from the Nebraska/Kansas Agriculture Lending School and participating in many Nebraska Banker's Association workshops.  His civic activities include the Agriculture Institute of Nebraska Board of Directors, local cattlemen groups, FFA Alumni, little league baseball coach and the Milligan Volunteer Fire Department.

Jeff has 2 children who reside in Aurora.

If you are in need of credit to start a business or farm or expand an existing operation, please contact Jeff.

Mel Taylor
Executive Vice-President

Mel helps supervise the lending activity of the bank and personally handles some of the agricultural and commercial business loans.  He believes very strongly that the bank can be the primary catalyst in developing new opportunities for people in the area through lending and financial guidance.  Mel has been with the bank since 1984.

Mel is married to Lee and they have two grown sons, both married, and four grandsons.  He grew up on a farm in western Kansas and has really never been able to get farming out of his system.  His primary activities outside the bank are operating his own small farm, feeding a few cattle, managing wildlife habitat on his farms, hunting, visiting his sons and their families and fishing with the grandsons.

If you are in need of credit to start a business or farm or expand an existing operation, please contact Mel.

Gary Dick

Gary began employment with Farmers and Merchants Bank on August 1, 2008.  Gary is a native of Fairbury, where he grew up on a farm.  He has over 35 years of lending experience, most recently being Geneva Branch Manager for York State Bank.  He was in that position for twelve years. 

Gary and his wife Cathy have three grown children, all of whom are married.  They also have six grandchildren.  Cathy is employed at the hospital in Hebron in the business office.  In Gary's spare time you can find him at his farm in Fairbury, where he raises corn, beans and wheat and also has a small herd of cattle.  He also enjoys being involved with the grandkid's activities.

Ann Jansky

From 1997 until 2006 Ann was the consumer and residential real estate specialist with the bank. In 2006, with promotion of other personnel, she began focusing on agricultural and business loans.  She has also become an expert in preparation of FSA guaranteed loans for this bank as well as other banks.  Ann is a very thorough, detail and service oriented person which provides her clients the assurance that any business conducted with her is done right.

Ann is originally from Howells, Nebraska, and came to Milligan in 1984 as the business teacher at Milligan High School.  She joined the staff at Farmers and Merchants Bank in June, 1991.  Ann is married to Will and they have two grown sons that live in the Milligan area.  Will farms and feeds livestock on their farm northeast of Milligan.  In her spare time, Ann enjoys watching sports, playing cards and other games, and spending time with family and friends.

If you are in need of a loan for your farm or business or if you feel that a FSA guaranteed loan would be of benefit to your farm operation, please contact Ann.

Kendra Jansky
Assistant Vice-President

Kendra joined the bank in May of 1999, beginning her career as Loan Clerk.  In 2005, after staffing changes in the bank, she assumed duties as a Consumer Loan Officer.  Included in the consumer lending product line offered by Farmers and Merchants Bank are personal purpose, vehicle loans, residential real estate, as well as home improvement loans.  Kendra can assist you with any questions you may have regarding existing or potential loans as well.

Kendra is originally from Manhattan, Kansas, and came to Nebraska as a student attending Doane College.  While in school, she met husband Jeff.  They live on a farm southeast of Milligan and have two daughters.  Although she has been converted to a Husker fan, Kendra still enjoys a good win from the Wildcats.

If you are in need of a consumer or residential real estate loan, contact Kendra.


Tracy Kresak

Loan Clerk

Tracy joined Farmers and Merchants Bank as Loan Clerk in January of 2011.  She has worked in the banking industry for over 10 years and is looking forward to serving customers closer to home.  As Loan Clerk, she assists with loan payments, loan advances and helps to answer your loan questions.

Tracy is originally from Johnson, Nebraska.  She made Milligan her home after marrying her husband, Brad, in 1995.  He farms and raises livestock near Milligan and they have three children.  She is enjoying working in the Milligan community and being closer to her family.  When she’s not busy with family activities, she also enjoys spending time with friends and reading.



Deb Filipi
Vice-President and Cashier

Deb oversees the operations area of the bank, which includes many products and services. As the Cashier, she supervises the Tellers and Bookkeepers and handles the deposit and accounting functions in the bank. She is the primary contact for Individual Retirement Accounts, wire transfers and H/HH bond redemption. Most of her time is spent on managerial duties such as product research, regulatory reports, compliance with government regulations and bringing new technology to the bank. If you have a question or problem that is not loan related, more than likely Deb can help.

A native of Friend, Nebraska, Deb relocated to Milligan in 1977 and began her career with Farmers and Merchants Bank at that time. She and her husband, Larry, live in Milligan and enjoy gardening, traveling and spending time with their children.

For assistance with most any non-loan related matter, contact Deb.

Wendy Mussman

Wendy is the Head Teller and as such, is often the first person that you meet when you visit the bank. In addition to handling all the normal teller functions, she is also our Security Officer and is backup to Deb on wire transfers and correspondent banking activities.

A Milligan native, Wendy has been with the bank since 1982. She is married to BJ and they live on a farm near Ohiowa. She enjoys spending time with family and friends, and as a cat lover, caring for her cats. Being outside after a day at the bank is done is also one of her pleasures.

For Teller related matters or account questions, contact Wendy.

Jamie Schafer
Assistant Vice-President

Jamie is responsible for a wide variety of duties. Though not much in the public eye, Jamie handles many behind-the-scenes duties. You may know her more by voice, as she is responsible for answering incoming calls and routing them to the proper department. As Deb’s assistant, she helps complete the implementation of new products, creates management reports, handles large bank mailings and anything else that gets put on her desk. Her technology expertise has added a great deal of efficiency to these projects.

Jamie has been with the bank since May of 2002. She and her husband, Lonnie, live on a farm southwest of Tobias and have two children.  She loves life on the farm and enjoys camping, boating and spending time with her family, friends and animals.

Shannon Stuhr
Administrative Assistant

Shannon joined the banking team in the fall of 2007.  She spends her time alternating between the teller window and support duties at her desk.  Shannon’s job is anything but routine.  She fills in wherever she is needed by helping out with large projects or filling in for someone while they are out.  She enjoys working with IRAs and is responsible for ordering many of the supplies needed to keep the bank running smoothly.  She recently assumed the responsibilities of the New Accounts Desk.

Shannon and her husband, Tom, live in Milligan with her two children.  She looks forward to time spent tending her garden and the calm of a small town atmosphere.  She is a member of the St. John’s Lutheran Church in Cordova and her hobbies include reading and keeping bees.

Stop in and see Shannon if you would like to open an account.

Emily Aude
Teller/Customer Service Representative

Emily joined the bank in October of 2017.  She will be one of the first faces you see when entering the bank, as she is often at the front window.  She assists customers with account information and performs teller functions.  She is currently being trained in many other areas such as IRAs, HSAs and back office operations. 



Ross Weber
Community President

Ross was named Executive Vice-President of Farmers and Merchants State Bank on April 4, 2016, after nearly 10 years with the National Beef Packing Co.  In October of 2016, Ross became Community President for Farmers and Merchants Bank in Cawker City, KS.

Ross grew up in Friend, NE, where most of his family still lives.  He attended the University of Nebraska, Lincoln, obtaining his bachelor's degrees in Agribusiness and Agricultural Economics in 2005.  He enjoys hunting, fishing and growing peppers.


Dee Winkel
Teller/Customer Service Representative

Dee joined the bank in 2011.  She is often found at the front window when entering the bank.  She opens new accounts, answers the phones, assists customers with account information and does normal teller functions.  She fills in where needed with other duties within the bank such as sending out statements, inputting new loan information and paying bills for the Cawker location.

Dee is originally from Downs and now resides outside of Glen Elder with her husband, Jesse, and their daughter.  Jesse's family owns and operates Winkel Manufacturing just north of Glen Elder.  Dee's biggest passion in life is her family and she enjoys any time off with them.  If she is not at the bank or with her family, she dedicates her time to a non-profit organization/foundation she created with a friend to help raise money to assist people in the surrounding community that have cancer.


Miranda Robinson
Teller/Customer Service Representative

Miranda joined the Cawker City location on January 22, 2018.  She will be one of the first to greet you and help you with your customer service needs. 

Miranda lives in Downs, KS, with her daughter.  She graduated from Fort Hays State University in December 2017 with an Associates in General Studies emphasis in Business degree.  In her down time, she spends as much time with her family and friends as possible.  She likes to travel, visit zoos and museums and take photos.


Nancy Cary
Teller/Proof Operations

Nancy joined the staff at the Cawker City location in 2016.  She started her banking career in 1974 at the Guaranty State Bank & Trust Co. in Beloit, KS, as a part-time Bookkeeper, while taking classes at the Vo-Tech School in Beloit.  She later accepted a bookkeeping job at the State Bank of Downs.  She worked there for 39 years, working as a Bookkeeper, Assistant-Cashier and Cashier.

Nancy and her husband live in Downs, KS, and are very fortunate to have their two sons and their families close by.  They currently have three granddaughters and one grandson and are expecting another grandson in March.  Nancy's hobbies include golf, bowling, walking, sewing and spending time with family and friends.


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