Meet Our Officers

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Learn More about Our Evansdale and Cedar Falls Bank Officers

The bank officers at First Security State Bank in Cedar Falls and Evansdale are far different from the officers you’ll find at larger regional or national banks. They will greet you by name and meet with you to discuss your needs. First Security State Bank’s officers have the experience and knowledge to not only lead the bank, but also get to know you and your needs and recommend the best course of action for you.


Evansdale Office

Cindy Trepp, SVP and Cashier
Born and raised in Waterloo, Cindy graduated from West High School and the University of Northern Iowa before beginning her career in banking as a bank examiner. Cindy began working at First Security State Bank in 1986, and has been a mainstay in our Evansdale office ever since. Cindy is also active in various groups outside of work, acting as treasurer for the Eastern Iowa Precision User Group and working with Partners in Education at Poyner Elementary School in Evansdale.

Ronald D. Andresen, AVP, Compliance Officer and Loan Officer (NMLS# 593745)
A Hudson resident and graduate of Wartburg College, Ron has been a part of the banking industry since 1990. Ron also graduated from the Commercial Lending and Consumer Credit schools at the Iowa Bankers Association. He stays busy in work-related organizations, active as a past president/chair of the IBA’s Leadership Institute and as a past president and treasurer of the Hudson Chamber of Commerce. Ron’s involvement also includes community groups such as the Hudson Athletics Booster Club, Hudson Community Schools Advisory Board, Junior Achievement and the Hudson Education Foundation.  He is a member of the Evansdale Chamber of Commerce.

Cedar Falls Office

Dennis M. Hansen, President, CEO and Chairman of the Board
Another bank officer that was born and raised in Waterloo, Dennis also graduated from the University of Northern Iowa with a major in Finance and a minor in Mathematics. Dennis started as a bank examiner for the State of Iowa. He held the same role with the Federal Reserve of Dallas before joining First Security State Bank in 1991 as an Assistant Vice President. Outside of work, Dennis is a pilot and the chairman of the Waverly Airport Commission. He also has a passion for hockey, golf and bicycling.

Timothy J. Mack, Executive Vice President
Tim’s educational background includes a B.A. in Finance from the University of St. Thomas and an MBA from Iowa State University.  He is also a graduate of the Graduate School of Banking in Madison, WI.  Tim’s volunteer activities have included Junior Achievement and serving on the boards of the Waterloo Cedar Falls Symphony Orchestra, Pathways Behavioral Services, the local Red Cross, Columbus High School Finance Committee and the Girl Scouts Finance Committee.


Chad S. Cutsforth, Assistant Vice President
Chad started with First Security State Bank in 2003 having graduated from Columbus High School in Waterloo and Upper Iowa University. Chad is a member of the Iowa Motor Truck Association, and has been working with individuals and businesses on commercial truck loans since 2006. He is also a youth soccer coach, and a member of the Dike City Council, where he lives with his family.


Melody M. Nevenhoven, Vice President (NMLS #438062)

Melody is a graduate of the University of Northern Iowa, with a BA in Business Education/Administration.  Melody began her banking career while in high school as a teller, holding various positions in banking throughout her career.  She is a graduate of the Iowa Bankers Association Lending Compliance School.  Melody began working at First Security State Bank in January of 2017.  Melody is a resident of Aplington.  She is a past member of the Aplington-Parkersburg Board of Education, and is currently President of the Aplington Economic Development Corporation.  Melody’s greatest passion is spending time with her family.  She also enjoys playing the piano, reading, walking, and spending time relaxing in Okoboji.