August 2019 Leader

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MESSAGE FROM THE PRESIDENT 2019 will certainly be a year the farming community will be talking about for a long time. The wet conditions we experienced during the spring planting season were unprecedented for many farm operations in Ohio. Understandably, there has been a lot of stress and anxiety for those who work in agriculture. We anticipate many counties will have disaster declarations once everything settles.


Though the weather event this past spring will present some challenges, I would like to assure you we’ve made it through past challenges like drought, low commodity prices, livestock disease and other weather events, and we’ll do it again this season. We know everyone’s situation is unique, but I want to remind you there are various options we can explore if you’re experiencing financial difficulty because of the recent weather. Those options may include deferring principal on term loans, extending loan terms on existing loans or restructuring your loan over additional years to preserve cash. There will inevitably be some difficult choices to make. While there’s no single solution that’s right for everyone, I’d like to encourage you to contact your account officer as soon as possible if you’re facing

potential cash flow issues. Your account officer will work with you to determine the best option(s) for your individual operation. They’ll work with you to obtain any additional information, such as your adjusted 2019 crop acres, including any prevent plant acres; current inventories; and forwardlooking cash flow statements. Taking time and looking at your cash flow needs on a month-to-month basis will be a necessity for many operations now that a typical cash flow cycle has been disrupted. In the event loans need extended, restructured or principal deferred, we are fortunate interest rates have been declining since December 2018. We are hopeful favorable adjustments will be made by the USDA to various government programs to help ease some of the loss. We were certainly pleased to see the announcement from USDA of adjusting the 2019 haying and grazing date from Nov. 1 to Sept. 1 to farmers who planted cover crops on prevented plant acres. Though we know there are some challenges ahead, we view this season as another opportunity to serve our rural community and return profits to our borrowers. One of my favorite quotes is, “Your cooperative’s success is a result of everyone working cooperatively together.” Please know your account officer and all of us at AgCredit are ready to work with you in this challenging environment if you need some assistance.


AGCREDIT IS NOW ACCEPTING APPLICATIONS FOR THE 2019 MISSION FUND. The Mission Fund operates on an application-based system within the following four areas: • Education—Educating young, beginning or future farmers • Environment—Maintaining or improving the quality of the rural environment • Technology—Supporting the advancement and utilization of technology for the benefit of farmers and rural cooperatives



• Quality of Rural Life—Programs, projects or initiatives that enhance the quality of life for farmers and rural communities Organizations may apply for grants up to $15,000 per year. Grant applications will be accepted annually from March 1 to August 31. Proposals will be reviewed by a committee comprised of AgCredit directors, employees and members. Funds will be awarded by December 31. Priority for grants will be given to purposes benefitting the eighteen county AgCredit geographic area and secondarily to other counties in Ohio. Apply online at

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PRESIDENT - Brian Ricker BOARD OF DIRECTORS Scott Schroeder, Chairman Gary Baldosser, Vice Chairman Deborah Johlin-Bach David Conrad Kevin Flanagan Daniel Rengert Dustin Sonnenberg David Stott, Ph.D. Michael Stump Michael Thiel EDITOR - Kayla Laubacher Address changes, questions, comments or requests for copies of our financial reports should be directed to AgCredit, ACA by writing 610 W. Lytle Street, Fostoria, OH 44830, or calling 800-837-3678. Our financial reports can also be obtained on our website: IMPORTANT DISCLOSURE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. WHISTLEBLOWER INFORMATION Reports of suspected or actual wrongdoing can be made anonymously and confidentially through the SpeakUp Whistleblower hotline or online. All information submitted to SpeakUp is taken seriously and investigated thoroughly. WHISTLEBLOWER HOTLINE WITH SPEAK UP: 1-844-850-6494 (24 hours a day, 7 days a week) WHISTLEBLOWER ONLINE REPORTING: We are an Equal Opportunity/Affirmative Action Employer. We recruit, hire, train, and promote individuals without regard to race, religion, color, sex, national origin, age, disability, sexual orientation, parental status, marital status, political affiliation, military service, or any other non-merit based factor.


They called it a bomb cyclone: a powerful spring storm, which wreaked havoc on America’s Corn Belt. When it hit, the ground was already covered in wet snow, and below the snow was frozen ground, unable to absorb any additional moisture. The several inches of rain that fell in early March were just another devasting blow in a long line of many. The result was historic flooding which devasted our neighbors to the west, in states like Missouri, South Dakota, Iowa, and Nebraska. Farmers make up less than 2% of our nation’s population, and when disasters like the bomb cyclone affect rural America, rarely do you see the aftermath on the 6:00 news. However, in our modern world, due to the sharing power of social media, those farmers have a voice. And what happens when other farmers hear their heartbreaking stories? They want to help. This spring, my husband, Greg, and I had the unique privilege to organize a group of volunteers, mostly farmers, who were committed to assisting with recovery in rural Nebraska. Our destination was the town of North Bend, a dot on the map with a population of 1,100. North Bend, 789 miles away from our home driveway, could be any small town in Ohio. It is a town made up of honest, hardworking, humble individuals, most strongly connected to agriculture and all willing to help their neighbors before helping themselves. The story of how we ended up in North Bend and the planning involved with organizing our group could fill up this column all on its own, but in short, we made the trek across the country: a small army of 29 volunteers and 14 vehicles. When we arrived in North Bend, just two weeks after the worst of

the flooding, the aftermath was still evident. Carpet, ripped up from basements in town, was piled at the town park. Portable restroom and shower units were parked at the high school. Barricades still lined streets in the small town, reminding motorists that high water prevented travel. The generosity of so many people here at home allowed us to take needed supplies, such as cleaning items, tools, and livestock necessities. We unloaded our caravan and set up shop at the local high school. The ag teacher, a staple in any rural community, directed our efforts. Our group eagerly split into work teams, branching off onto surrounding farms. We spent two days and contributed nearly 500 volunteer hours helping with cleanup, picking up trash, servicing irrigation pivots, and clearing fencerows. The days were long, yet oh-so rewarding. It was difficult to pack up and head home when our time in North Bend came to an end. There was so much work yet to be done, and we felt like we had hardly scratched the surface. In just a short time, we cultivated relationships with people we felt like we had known for years. Though in our minds we had done so little, in the hearts of those we helped, we brought assurance that they would recover one step at a time. Bringing hope in the face of adversity: that’s the power of people. To read more about their trip, check out the blog post here:



The Power of People

Benefits of Enrolling in an Ag District Agricultural Districts Offer Key Farm Protections




Urban sprawl, real estate development, and nuisance lawsuits threaten rural communities across the state. With these threats, protecting farmland has become more important than ever. Ohio’s agricultural district program offers some important protections for landowners in these areas, but landowners must take action to capitalize on the benefits. Let’s examine the ag district program in more detail.

What are the qualifications for an ag district?

The qualifications for creating an ag district mirror those for participation in Ohio’s current agricultural use valuation (CAUV) program. To be eligible for enrollment, parcels must be involved in agricultural production and be at least 10 acres in size. If a parcel is not at least 10 acres in size, the farm must have generated an average gross income of $2,500 during the previous three years of production. Also, land subject to a federal conservation or land retirement contract for the preceding three years is eligible for enrollment. It is important to remember enrollment in the CAUV and ag district programs must be completed separately.

How can I create an ag district for my farm?

land in an ag district provides an affirmative defense to a nuisance lawsuit initiated against a farm. The farmer must be conducting an established agricultural activity in the district, in conformity with state and federal law, and in accordance with best management practices. Eminent Domain Scrutiny= If a farm is targeted for eminent domain, a special review by the Director of Agriculture is required before the condemnation can proceed. The Director will determine if a plausible alternative to the proposed taking is available. This special review applies if the proposed taking is for 10 acres of land or 10% of the ag district land, whichever is greater. Deferment of Special Assessments= If water, sewer, and electric lines are extended out to rural areas, landowners can be stuck paying for those utilities based on frontage. Ag district enrollment defers these assessments when these utilities are extended through farmland. Homesteads that are in an ag district are excluded from these deferments. These deferments come due if land is removed from an ag district or changed to another use.

Do I need to do anything to maintain our enrollment?

If your application for an ag district is approved, the ag district is in effect for five years from the date of application. Landowners can renew between the first Monday in January and first Monday in March, and your county auditor will notify you of the need to renew your enrollment.

If your farm is not located within the limits of a municipal corporation, your county auditor is responsible for administering the ag district program in your county. Contact your county auditor to obtain a copy of the enrollment form, complete the paperwork, and submit the completed form to the county auditor.

Note, if you remove land from an ag district at any time during the five-year period there may be a penalty assessed. This penalty may be in addition to recoupment penalties incurred as a result of removing the land from the CAUV program.

If your farm is located within city limits, these same requirements apply. However, your enrollment form would need to be approved by the city legislative body. The city legislative may, at its discretion, modify the terms of your participation in the ag district program.

Due to the significant benefits associated with the ag district program, Ohio Farm Bureau, Ohio Department of Agricultural, and Ohio State Extension have all published materials promoting the program. If you are interested in learning more about ag districts, contact your local Farm Bureau office or Extension agent. Once you are ready to move forward with creating an ag district for your property, contact your county auditor to start the process.

How does an ag district benefit my land?

Creating an ag district has several benefits for landowners: Nuisance Defense= In light of recent nuisance litigation across the country, protecting farms from unwanted lawsuits has become very important. Placing

Your Tractor is Smart.

Your Financing Should be, too.

• Up to 100% financing • Credit decisions in minutes • Excellent terms • Opportunity to share in AgCredit’s profit-sharing program

Participating Dealers in Our Area: A.G. Irrigation Edgerton

Haar Brothers Gibsonburg

Polen Implement Elyria

A.N. Farm Equipment Shiloh

Holgate Implement Sales Holgate

Randall Brothers Holgate

Anderson Tractor Supply Bluffton

Homier & Sons Continental, Payne

Bay Tractor & Turf Gibsonburg

Independent Ag Bellevue

Redline Equipment Archbold, Bellevue, Bowling Green, Ottawa and Sherwood

Born Implement Amherst

Krystowski Tractor Sales Wellington

Buckeye Application Continental

KW Farms Upper Sandusky

Burkhart Farm Center Bucyrus

MH Eby West Jefferson

Dan’s Truck Sales Perrysburg

Need more information? David White 419.435.7758 ext. 1602

Nathan Frey Farm Equipment E & R Trailer Sales & Service Upper Sandusky Middle Point North Central Ag New London Evolution Ag Upper Sandusky

Findlay Implement Co. Findlay George F. Ackerman Company Curtice Green Field Ag Gibsonburg

Northwest Tractor Co. Ottawa Norvin Hill Machinery Greenwich Paul Martin & Sons Napoleon Peters Used Equipment Pemberville


Reitzel Tractor, LLC Edon Rodoc Sales, Service & Leasing Delphos Sensenig Ag Equipment Greenwich Steiners Equipment Sales and Rental Shiloh Tawa Equipment Ottawa Tiffin Ag & Turf Tiffin Wood County Implement Bowling Green Wyandot Tractor Upper Sandusky Wellington Implement Ashland, Wellington


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Taxes on farmland dropping steadily BY ALAYNA DEMARTINI

COLUMBUS, Ohio—Taxes, on average, are going down for owners of farmland across Ohio and are expected to decline at an even faster rate beginning in 2020, a study by researchers with The Ohio State University shows. The average value of agricultural land across the state has dropped by a third since a recent change in how the state calculates taxes for farmland owners, according to a study by Robert Dinterman and Ani Katchova, two agricultural economists with the College of Food, Agricultural, and Environmental Sciences (CFAES).


Starting in 2020, farmland values in the state likely will drop by another one-third, said Dinterman, a postdoctoral researcher with CFAES. With values going down, owners of agricultural land in the state should see similar declines in their taxes.


“Farmers, I would think, would be pretty pleased to see their taxes going down,” Dinterman said. 2017 was the first year some owners of agricultural land in Ohio saw a break in taxes. Taxes on agricultural land are based on the state’s assessment of the value of the land, which is done every three years at different times across the state. Ohio farmland is valued not based on what it would sell for on the open market, but on the income it is expected to generate from growing crops on that land. The Ohio legislature in 2017 approved changing the law on how agricultural land would be valued for tax purposes. In 2016, before the change was in place, the average value of agricultural land in the state was $1,310 per acre, according to the results of the study by Dinterman and Katchova. This year, the value decreased to $875 per acre. Agricultural land values and the corresponding taxes paid on that land will continue to decline at an even faster rate, Dinterman said. Steeper decreases in taxes will be seen, on average, because the changes to the way the farmland is assessed have been phased in between 2017 and 2019. Small changes were made each year to avoid a sudden and dramatic drop in tax revenue, Dinterman said. But in 2020, the phase-in will end. That’s why during that year, Ohio farmland owners should see another one-third drop in the assessed value

of their land, compared to the previous year, and similar declines in their taxes, Dinterman said. The average tax paid across the state was about $36 per acre of farmland in 2016. That dropped to around $31 in 2017, Dinterman said. By 2020, the average likely will be around $25 per acre, which would match the rate paid in 2011, he said. The decrease in revenues funneling into the state from agricultural land could mean an increase in taxes on homes and farm buildings in some counties, particularly rural counties, Dinterman said. “Counties with a lot of farmland may have to make adjustments in their tax rates to make up the difference,” he said. The value of farmland in Ohio is determined based on a number of factors including the yields and crop income that land generates. The declines are due in part to drops in the price of corn and soybeans, the two major crops grown in Ohio. “I think farmers would almost certainly trade having a higher tax bill for higher revenues right now,” said Katchova, associate professor and chair of the farm income enhancement program in the Department of Agricultural, Environmental, and Development Economics in CFAES. When taxes go up on farmland, owners of that land pass on part of that burden by raising the rent for tenants using that farmland, Katchova said. For every dollar of property taxes a landowner pays, 30 to 40 cents of that are passed to the tenant in the form of higher rent, she said, citing the results of a different recent study that she and Dinterman did. Even though taxes on agricultural land are going down, that likely won’t trigger a decline in rates on renting that land, Katchova said. “Rent doesn’t usually go down nearly as much as it goes up,” she said. Article was originally posted by The Ohio State University College of Food, Agricultural, and Environmental Sciences here:

Crop Insurance Updates BY THOMAS MILLIGAN

“Agriculture is our wisest pursuit, because it will in the end contribute most to real wealth, good morals, and happiness.” ­—Thomas Jefferson

Many of the counties in the AgCredit operating territory experienced more unplantable acres than ever before. That fact has triggered many questions about prevented plant (PP) coverage, restrictions, and guidelines. Quite a number of the questions were ones that had never been asked before. The Risk Management Agency (RMA) tried to accommodate the weather by changing some of the long-standing rules in an effort to assist farmers. Previously, a failed wheat crop had to be terminated prior to it reaching the ‘heading’ stage in order for a following crop to be insurable. That deadline was first moved to June 5; then again to June 25 to reflect the continuing rain that prevented producers from terminating that failed crop. Many questions revolve around “What is PP and how does it work?” The basic rules are as follows: • June 5 was the final day to plant corn with 100% coverage. Beginning June 6, the coverage is reduced by 1% per day for 20 days. PP payments are not reduced during this period.

• The field can be tiled, manure spread, and/or sown to wheat this fall. • The cover crop cannot be planted until after the final plant date for the crop. Date for corn is June 26; date for soybeans is July 16. • A cover crop can be planted. You need to check with your local expert to determine what an acceptable cover crop for your area is. County Extension Agents can be of assistance for this question. • Previously, the cover crop could not be hayed, grazed, or chopped until after November 1. That date has been moved to September 1. • Because of chemicals that might have already been applied, corn may be the only possible cover crop. Corn can be used as a cover crop IF -- The seed in non-GMO. -- There is 22” or less spacing between rows. -- It is not harvested as a grain, but corn may be a good forage crop even if planted in July. -- It is seeded at 40,000 seeds/acre or greater. • Soybeans may be used as a cover crop IF

• The soonest a PP corn claim could be filed was June 6 and continued through the 20 day late plant period.

-- Planting takes seed quality into consideration (purity, germination rate, etc.).

• June 20 was the final day to plant soybeans with 100% coverage. Beginning June 21, the coverage is reduced by 1% per day for 25 days.

-- It is not harvested as a grain.

• The soonest a PP soybean claim could be filed was June 21 and continued through the 25 day late planting period. • Once a farmer decided that it was no longer practical to plant the crop, he or she had 72 hours to notify their crop insurance agent. • Corn PP payments are 55% of the guarantee that would have applied had the crop been planted; soybeans are 60%. If requested by sales closing in March, 5% (PF) additional PP coverage could have been purchased for each crop. • A minimum of 20 acres (or 20% of the total crop in the county-whichever is smaller) is required for each crop to be eligible for PP payment. Numerous other questions have been about “What can I do with my acres I declared were PP acres?” These rules have been changed and amended several times as well. • It is expected the farmer will do weed management.


-- It is not chopped or hayed until after November 1. That date has also been moved to September 1. Unfortunately, failure to abide by the rules can seriously impact any PP payment and may also negatively affect the 10 year history for the PP crop. Please check with your crop insurance agent or adjuster to make sure the decisions that are made reflect your actual intentions.


2019 will go down as one of the years that will always be remembered. The drought of 1988. The flooding of 1993. Hurricane Ike hit Ohio in 2008. One of our older clients compared 2019 to 1947; that is not in the memory of many of us.

Residential Lending Opportunities BY ALLISON WALTON

Did you know you don’t have to be a farmer to get a mortgage loan with AgCredit? It’s true! We are able to lend to all of rural America. Your friends and family are eligible for a home loan with AgCredit. In fact, nothing makes us happier than helping your loved ones achieve the American Dream!



Hi, my name is Allison Walton. I have been working in the mortgage industry for over 20 years, 15 of those have been right here at AgCredit in the Residential Lending department. I have had the pleasure of helping numerous AgCredit members, their families and friends through the wild and crazy world of mortgage lending. I want to be sure all our members are aware of this invaluable resource AgCredit can offer to your family and friends. Our mortgage loan originators are all well-seasoned and very knowledgeable in the ever-changing mortgage lending arena. Through always evolving government regulations, disclosure and process updates, we strive to make the mortgage loan process as clear, stress-free and straightforward as possible. Finding the best loan product for each individual and coaching them through the steps of a mortgage loan is just part of the attention we give to our borrowers. We pride ourselves in focusing on the best interest of both our borrowers and our cooperative.

Meet the rest of our Mortgage Loan Originator team below: CRAIG COUGHLIN




Erie, Huron & Lorain counties

Henry, Wood & Lucas counties







Crawford, Marion & Morrow counties

Paulding & Van Wert counties





Ottawa, Sandusky & Seneca counties

Putnam County


Whether you are trying to keep the old farm homestead in the family or building a new home, we can help! While we know there are plenty of large/local banks in your community offering home loans, we want to provide the same personal service with your family and friends you are accustomed to when you walk in the door of your AgCredit branch.


Here are just a few of our core loan products:

Hancock, Hardin & Wyandot counties

• Family property purchases • Rural home loan purchases with renovations • Land loan purchases for a building lot • Land loan purchases for recreation • New home construction loans • Refinance loans for renovations or additions • And many more…





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Election Results





Joined the Mt Gilead team as a Loan Processor in March

Started in May as the Controller in Fostoria

Began as the Talent Specialist in Fostoria in June

Started in June as an Accountant at the Fostoria office





Kevin Flanagan was elected to serve his first term on AgCredit’s Board of Directors, representing Region 3 (Hancock and Hardin counties). Deborah Johlin-Bach and Dusty Sonnenberg were each re-elected to serve an additional three-year term. Dusty represents Region 2 (Henry, Wood and western Lucas counties) and Deborah represents Region 4 (eastern Lucas, Ottawa and Sandusky counties).


JILLIAN MILLER Joined the Tiffin team as a Loan Specialist in June




Credit Analyst Intern with the Wellington team

HR/Training Intern in Fostoria office

IT Intern in Fostoria office

Calendar September 2

Closed for Labor Day

October 14

Closed for Columbus Day

November 28 & 29

Closed for Thanksgiving

Crawford Erie Hancock Hardin Henry Huron Lorain Lucas Marion Morrow Ottawa Paulding Putnam Sandusky Seneca Van Wert Wood Wyandot

Nominating Committee Member Randy Hiler Tadd J Smith Randy Boes Dana Dulin Kyle T Brinkman Kyle Horn Chad Woodrum Dan Fritsch Tom Lust Vicki Ruhl Eric D Gahler Eric R Buchman Mary Ann Gerding Marc Roush Greg Theis Kristopher Young Dan Gerwin Rodney Phillips

Keep your farm within your family. Land As Your Legacy® Nationwide, the Nationwide N and Eagle, Nationwide is on your side and Land As Your Legacy are service marks of Nationwide Mutual Insurance Company. © 2019 Nationwide LAM-2895AO.1 (06/19)

Alternate Doug Phenicie Jeffrey Bohn Nichlaus Stacy Jeffry Billenstein Vernon Oberhaus Brian C Smith John “Jake” Dovin Bob Hoen Davey Neidhart Dan Barker Micah R Lenke Keith Wiesehan Nathan Schroeder J Bradley Verhoff Tony Bumb Brian Callow Scott Apple Kevin Summit




FFA 110% Awards

The AgCredit FFA 110 Percent Award is given to students who give 110 percent effort in their FFA Chapters. We appreciate the hard work these young people give to their chapters and communities.

Joe Laborie

Darren Wurm & Madi Diesch Bucyrus Branch Buckeye Central High School Crawford County

Findlay Branch Liberty Benton High School Hancock County

Kylee Wendt

Fremont Branch Oak Harbor High School Ottawa County

Clori Hackenburg

Holden Purdy

Keeley Wright

Colton Anthony

Bowling Green Branch Elmwood High School Wood County

Mickalla Myers

Kenton Branch Ada High School Hardin County

Mackenzie Rader

Kenton Branch Ridgemont High School Hardin County

Cassidy Crooks & Rylie Bame Kenton Branch Hardin Northern High School Hardin County

Kenton Branch Kenton High School Hardin County

Addie Wilhelm

Madison Linstedt

Elijah Verdugo

Camrie Meyers

Fremont Branch Clyde High School Sandusky County

Marion Branch River Valley High School Marion County



Marion Branch Tri-Rivers High School Marion County

Marion Branch Elgin High School Marion County

Marion Branch Ridgedale High School Marion County

Mt. Gilead Branch Cardington High School Morrow County

Garrett Casto

Mt. Gilead Branch Mt. Gilead High School Morrow County

Not Pictured Seth Pullins Bowling Green Branch Otsego High School Wood County

Cate Korsnack & Kasie Fintel Bowling Green Branch Bowling Green High School Wood County

Justin Rowlett Findlay Branch Arlington High School Hancock County

Paige Wolford Findlay Branch Cory-Rawson High School Hancock County

Zach Hasselbach Fremont Branch Gibsonburg High School Sandusky County

Patrick Miller Bowling Green Branch Anthony Wayne High School Wood County

Braxton James Bucyrus Branch Colonel Crawford High School Crawford County

Jacob Kinney Findlay Branch Arcadia High School Hancock County

Katelyn Klotz Fremont Branch Lakota High School Sandusky County

Amanda Partin & Brady Linker Fremont Branch Genoa High School Ottawa County

Katelyn Konecny Bowling Green Branch Eastwood High School Wood County

Emily Rudd Bucyrus Branch Wynford High School Crawford County

Johnathon Farthing Findlay Branch Van Buren High School Hancock County

Regan Dreager Fremont Branch Woodmore High School Ottawa County

Kortini Joseph Fremont Branch Fremont High School Sandusky County

Chris Bood

Mt. Gilead Branch Northmor High School Morrow County

Landyn Knott

Ottawa Branch Kalida High School Putnam County

Samantha Oney Norwalk Branch Willard High School Huron County

Weston Miller

Tiffin Branch Tiffin Sentinel High School Seneca County

Rachel Herbkersman

Norwalk Branch Western Reserve High School Huron County

Audrey Boes

Upper Sandusky Branch Upper Sandusky High School Wyandot County

Sydney Collier

Norwalk Branch Lorain County JVS Lorain County

Olivia Coppler

Upper Sandusky Branch Carey High School Wyandot County

Dillon Peck, Devin Pester and Brent Verhoff Ottawa Branch Miller City High School Putnam County

Kaleb Leeth

Upper Sandusky Branch Mohawk High School Wyandot County

Miles Frey

Upper Sandusky Branch Riverdale High School Wyandot County

Daegan Hatfield

Van Wert Branch Lincolnview High School Van Wert County

Riley Noffsinger

Van Wert Branch Paulding High School Paulding County

Cailin Smith Mt. Gilead Branch Highland High School Morrow County

Grace Wenzinger Napoleon Branch Holgate High School Henry County

Taylor Ostrander Norwalk Branch Firelands High School Lorain County

Dylan Andolsek Norwalk Branch Wellington High School Lorain County

Anna Bzovi Napoleon Branch Patrick Henry High School Henry County

Raegan Alspet, William Flaherty, Susan Grube & Olivia Fidler Norwalk Branch Plymouth High School Huron/Richland County

Kotiana Barber Norwalk Branch New London High School Huron County

Denver Staib Tiffin Branch Hopewell-Louden High School Seneca County

Chloee Howard Norwalk Branch Black River High School Ashland County

Brian Ward Tiffin Branch New Riegel High School Seneca County

Jason Leatherman Napoleon Branch Liberty Center High School Henry County





610 W. Lytle Street Fostoria, OH 44830

Tell us what you think! Our annual customer satisfaction survey will be coming to you in September via email. If you’d like to participate in the survey—be sure your Account Officer has your correct email address on file! Benefits of being on our email list: -Early access to the Leader magazine -Opportunity to participate in our customer satisfaction survey -Notifications of upcoming events and important information