Josh Horak – VP & Commercial Lender

Josh joined Pioneer Bank & Trust team in 2022 – bringing 20 years of banking experience, ranging from student loan sales to branch President. Most recently he was the branch president at a bank in Sturgis. Josh is a graduate of Spearfish High School, having attended BHSU then graduating from SDSU with a bachelor’s degree […]
Dan O’Shea – Senior VP/Manager

Dan has been in banking for over 30 years serving in a variety of roles. He’s an alumni of the Graduate School of Banking, Madison WI and San Diego State University. Prior to joining Pioneer Bank & Trust in 2000 he worked for national banks in South Dakota, Colorado and California. Dan is active in […]
Timothy Palmer – Assistant Vice President

Tim has been in the banking industry for the last 5 years, as both an Analyst and Commercial Lender. He has a Bachelor of Science with an Emphasis in Economics and Finance from Black Hills State University in Spearfish, SD. Tim participates in several local non-profit organizations, including teaching Junior Achievement Classes in Rapid City […]
Tim Merkle – Senior VP/Manager

Tim has more than 24 years of banking experience and has been with Pioneer Bank for a total of 16 years. He has a Bachelor of Science with a Finance Emphasis from Adams State College in Alamosa, CO. He has also served on various boards and has been involved in many volunteer activities over the […]
John Latham – Assistant Vice President & Commercial Loan Officer

John began working at PB&T in 2018. Prior to his career as a loan officer he was a teacher. John attended and graduated from Chadron State College.
Drew
Kerry and Lance
Jesika and Chason
Eltonjon Finck – Assistant Vice President / Commercial & Ag Loan Officer

Raised on a family farm and ranch near Ralph, SD, Eltonjon still manages operations today, while also bringing to the Pioneer team over 25 years of diverse financial experience. After earning his BS in Business Administration from Dickinson State University in 1997, he spent 13 years working for Ford Motor Credit and US Bank in Fargo, ND, where […]
Justine McKay – Assistant Vice President & Personal Banking Officer

Beginning her banking career with Pioneer Bank & Trust in March of 2013, Justine has held multiple positions within the bank. With a total of 15+ years in Customer Service, she enjoys building relationships with customers and helping them navigate the financial industry to the best of her ability. Justine helps organize an annual event […]