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Vermillion, SD
Andy Schulz
Community Bank President
605.696.2421
Kaili Johnson
Retail Branch Manager
605.624.2608
Tonya Osterloh
Retail Branch Supervisor
605.624.2608
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
First Bank & Trust 
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- Dream Points
- Retirement/401(k)*
- Wealth Management*
* Non-deposit products are not insured by the FDIC; are not deposits; and may lose value.
Team Member 1 Bio
Andy joined the organization in 2017 and currently serves as a Community Bank President in Vermillion. A graduate of Southeast Technical Institute, he brings experience in commercial, ag and consumer lending to his role at First Bank & Trust.
Originally from Philip, SD, Andy enjoys hunting, fishing, golfing, woodworking and helping on his family’s cattle ranch in western South Dakota. He and his wife Brianna have two children – daughter, Olivia and son, Avery.
Team Member 2 Bio
Team Member 3 Bio