Senior Vice President
Mark Burmis joined Chelsea State Bank in 2010 as Vice President, where he manages the residential and consumer lending portfolio for the bank. Mark has over 26 years in the banking industry and gained his lending experience as he moved through the ranks at two community banks. Sixteen of those years were at another local community bank where he was Vice President of Lending.
Mark is a graduate of the Robert M. Perry School of Banking and Lending and previously sat on the Board of Directors for the Chelsea Area Chamber of Commerce. He received his Bachelor of Arts in Business Administration from Olivet College.
Mark resides in Jerome with his family.
Assistant Vice President
Dawn Kalusha has been in banking for over 20 years. She joined Chelsea State Bank as a consumer loan officer in March 2011 and was promoted to Assistant Vice President in 2012. Prior to joining Chelsea State Bank, she was a branch manager and loan officer for another community bank.
She is a 2010 graduate of the Robert M. Perry School of Banking and holds a license in Title Insurance. Kalusha has also obtained her branch manager certification from the Michigan Banker’s Association.
Kalusha is the treasurer of Stockbridge Community Outreach.
Consumer Loan Officer
Nancy Zander is a career community banker with over 25 years of experience. She has moved through the ranks with Chelsea State Bank starting as a Head Teller in the Dexter Branch Office in 2000, moving to Assistant Branch Manager in 2009, Loan Processing Clerk in 2013, Consumer Loan Representative in the main office in 2015, and most recently to her current position as Consumer Loan Officer in 2017.
Nancy enjoys meeting with customers to help them determine the best loans to fit their needs.
Nancy is a certified Notary for the Bank and has her NMLS License. She is a proud graduate of Chelsea High School.
Dexter Branch Manager
Lisa joined Chelsea State Bank as Dexter Branch Manager in August 2014. She has over 10 years of managerial experience in the competitive retail banking industry. Before joining Chelsea State Bank, Lisa served as Branch Manager at Charter One Bank (now Citizens Bank) in Pinckney, Mich. She also has several years of experience in retail management and human resources.
Lisa holds a Bachelor of Science degree in Business Administration and Human Resources from the University of Michigan Dearborn.
Plaza Branch Manager
Nina Herrst joined Chelsea State Bank as Vice President, Retail Administrator and Branch Manager of the Plaza office in 2020. With over 15 years of retail banking experience, Nina spent the past five years at Flagstar Bank as the Assistant Vice President, Branch Manager in Ann Arbor and Chelsea. Prior to Flagstar, she was the Branch Manager at KeyBank in Chelsea and with TCF for seven years where she earned her retail banking stripes in a variety of roles.
Nina is the Secretary of the Chelsea Rotary Club and member of the Chelsea chapter of Business Networking International (BNI). A Manchester native, she and her husband Robert reside in Freedom Township with their two boys.
Mary Lee Penney
Executive Vice President
Mary Lee Penney is Executive Vice President, Director and Commercial Loan Manager at Chelsea State Bank. She has over 30 years of commercial banking experience. She joined Chelsea State Bank as a Vice President of Commercial Lending in 2002. Prior to being hired by Chelsea State Bank, Mary Lee worked at National City Corp., (now PNC), and Bank One (now Chase).
Mary Lee is a Rotarian and on the Board for Chelsea Rotary Club as Treasurer. She is a past officer with the Michigan Bankers Association.
Mary Lee earned her Bachelor of Business Administration Degree from Western Michigan University, and her Master of Science Degree in Finance from Walsh College.
Senior Vice President
Tom joined Chelsea State Bank in April 2021 with 21 years of commercial banking experience. He has spent the last eight years with Huntington National Bank in Jackson as Vice President, Senior Relationship Manager in Business Banking with his most recent position as Community President, Jackson County.
Tom began his banking career as a Credit Analyst in the Credit Development Program with NBD/Chase Bank in the Southeast Michigan market and soon moved into commercial lending as Assistant Vice President, Business Banking Relationship Manager in the Detroit and Lansing areas. He then worked for Citizen’s Bank (now Huntington Bank) in Jackson as an Assistant Vice President, Commercial Banking Relationship Manager and Vice President, Special Loans Officer in Commercial Banking. Tom then moved to Fifth Third Bank in Jackson as a Vice President, Relationship Manager in their Business Banking Group.
A graduate of Michigan State University, Tom received his Bachelor of Arts in Finance from the Eli Broad School of Business. He is currently a trustee of the St. John Elementary School Endowment Trust, sits on the Finance Committee for Jackson Lumen Christi High School and served for 10 years as a Trustee on their Endowment. He is active in the Rotary Club of Jackson and Junior Achievement.
Tom resides in Jackson with his family.
Steve Saules joined Chelsea State Bank in 2012 as Vice President and Commercial Loan Officer. He has nearly 30 years of banking industry experience. He previously worked at Key Bank and Bank One (now Chase) as a Commercial Banker and loan officer.
Steve is Vice Chairman of a non-profit Board for Community Living Services, Inc., and a board member of the Chelsea United Way. He previously served on the Board of the Michigan Business Brokers Association. He earned his Bachelor of Business Administration Degree in Finance from the University of Michigan, and his MBA from Wayne State University.
Jim Wolfington joined Chelsea State Bank as a Vice President in commercial lending in 2007. Now with over 30 years in the industry, he previously worked at Bank of Ann Arbor, National Bank of Detroit (now Chase) and Bank of Galesburg (now First Midwest Bank).
Jim earned his Bachelor of Arts degree in Economics from Knox College and his Master of Business Administration in Finance from the University of Iowa.
As a local community banker, Jim is treasurer of Lurie Terrace, an Ann Arbor senior apartment community and serves on the Ann Arbor Community Board of Ele’s Place, a not-for-profit organization to support grieving children. Jim is also active in the Ann Arbor Kiwanis Club. He was formerly on the Boards of Directors at Michigan Ability Partners and the Humane Society of Huron Valley. Jim received the 2018 Community Spirit Award from the Federal Home Loan Bank of Indianapolis for his efforts supporting affordable housing in Ann Arbor and Chelsea.
Stu Mann joined Chelsea State Bank in 2015 as a Credit Analyst. He was promoted to Commercial Loan Representative in January 2020 and to his current position as Commercial Loan Officer in April 2020.
Stu began his banking career with Chemical Bank, Kalamazoo, in 2012 as a Customer Service Representative where he also processed small consumer loans and home equity lines of credit until joining Chelsea State Bank in 2015.
Active in his community, Stu sits on the Chelsea Chamber of Commerce Board of Directors. He graduated from Western Michigan University, Kalamazoo, with a bachelor’s degree in Finance. Stu and his wife Felicia reside in Chelsea with their daughter, long-haired dachshund and an Akita/black lab mix.
Patrick Cavanaugh joined Chelsea State Bank in 2020 as Vice President, Commercial Loan Officer. With over 26 years of business banking and relationship management experience, he was most recently Business Banking Relationship Manager at Fifth Third Bank (Cincinnati, Ohio) for nearly 10 years.
Patrick received his Bachelor of Business Administration in Finance from Western Michigan University. He resides in Ann Arbor with his family.
Matthew E. Noggle
Matthew E. Noggle joined Chelsea State Bank in January of 2017 as an Agricultural Lender. His duties include expanding the bank’s agricultural portfolio in Jackson, Livingston, Ingham and Washtenaw counties, as well as commercial lending.
Matt joins Chelsea State Bank with a lifetime of experience in farming, as a partner in his family-owned farm in Manchester, Mich., and four years as a loan officer for the Bank of Colorado specializing in ag lending.
Graduating from Colorado State University, in Ft. Collins, with a dual Bachelor of Science in Animal Science and Agricultural Business, Matt also studied at the Institute of Agriculture Technology on the campus of Michigan State University in East Lansing, then received an Associates of Animal Science from Connors State College in Warner, Okla.
Matt is active in community service and is a member of the Michigan Farm Bureau, Michigan Cattleman’s Association, and is an assistant coach for the Washtenaw County Livestock Judging Team. In Colorado, he was active in many associations including the West Yuma Chamber of Commerce as a Board Director and a coach for the Yuma County 4-H organization.
Matt understands the financial needs of the local farmer as well as the major agribusiness distributor.
Call Matt today at 734-385-1311.
Mark McCulloch joined Chelsea State Bank in 2011 as Vice President and Commercial Loan Officer. He has extensive commercial loan experience including 16 years with National Bank of Detroit and seven years of community banking with Detroit Commerce, a Capitol Bancorp affiliate in Detroit and two years at Citizens Bank.
Mark received his bachelor’s degree in Business from the University of Michigan Dearborn, and is a Certified Public Accountant.
Mark has served as a board member of the Chelsea United Way, the Walsh College Financial Advisory Committee and the Friends of Detroit Public Library.