Staff

Executive Officers

Our staff enjoys living and working in our communities and believes in giving back…we are dedicated to helping our communities grow.

South Ottumwa Savings Bank

Teri Messerschmitt
CEO/President

Teri has been in banking over 35 years and is a graduate of Iowa State University with a double major in Business Administration/Accounting and Sociology. She passed the CPA exam in 1985, graduated from the School for Bank Administration in Madison, Wisconsin in 1987 with a Controllership Major and in 1991, Bank Operations. Teri is currently a member of the Rotary Club of Ottumwa and City Finance Advisory Committee. She also serves on the board of Community Bankers of Iowa, SCORE, Tenco and the Regional Entrepreneurship Center.


Tim Brcka
Vice President, Loan Officer, 320 Church Street, Ottumwa, IA

Tim has over 30 years of experience in the banking and finance industry. He is a graduate of the University of Iowa earning a bachelor of business administration degree in finance. Tim is responsible for the management of South Ottumwa Savings Bank Loan Department.


Natalie Bolin, MBA, CPA
Senior VP of Operations/CFO/Cashier

Natalie is a graduate of the University of Nebraska, Omaha, NE with a bachelor's degree in Accounting and a Master's in Business Administration. Natalie spent 6 years as a practicing CPA before joining the financial industry in 2007. She is a member of the Board of Directors of the Ottumwa Regional Legacy Foundation and serves on the Bright Ideas Community Enrichment Fund Committee. Additionally, Natalie serves on the Ottumwa Library Foundation Board of Directors and the Junior Achievement Snow Bowl Committee. She is a 2013 graduate of the Ottumwa Leadership Academy and served on the academy’s Advisory Board from 2013 through 2019 and remains active with the academy’s Alumni Association.


Suzie Morrison
Vice President, Marketing Officer / Retail Banking Manager, 320 Church Street, Ottumwa, IA

Suzie has been with South Ottumwa Savings Bank since 2002 with previous experience in Consumer, Real Estate and Commercial Lending. An Ottumwa native, she graduated from Indian Hills Community College and has nearly 30 years of experience in the financial industry. She is a member of the Oktoberfest Committee, Hy-Noon Kiwanis Club, Ottumwa Regional Legacy Foundation Bright Ideas Community Enrichment Fund Committee and the Iowa Legal Aid Local Advisory Council. She is a 2014 graduate of the Ottumwa Leadership Academy.


West Liberty State Bank Office of South Ottumwa Savings


Jason Cassady
Market President, West Liberty State Bank Office

NMLS# 805421

Jason has been with West Liberty State Bank since 2002. He does Real Estate, Consumer, Agricultural and Commercial Lending. He graduated from Iowa State University with a Bachelors Degree of Science. Jason is active in the West Liberty Rotary, youth sports programs, and serves on the Board of Directors of WE LEAD (West Liberty Area Economic Development).


Carmela Lechuga
Vice President, West Liberty State Bank Office

Carmela has been with West Liberty State Bank for over 30 years. She has exceptional experience in deposit services, loan administration and operations / auditing. She is a member of the West Liberty School Foundation and West Liberty Chamber of Commerce.