Meet our Team
Owner/Executive Vice President
Ryan Wiebe founded First Mortgage Solutions of Kansas City, Missouri in 2009. He was born in Dodge City, Kan., and spent several summers when he was young, helping on his grandparents’ farm in Rush County. He has made it a goal to give back to the area that has given him so much. He brings to Bison State Bank the expertise to build a customer-focused residential division while serving as Chairman of the Board.
Michael Downing is the president of Bison State Bank. His career began in 1977 as a part-time teller and has since served as President of several banks throughout Kansas. A Fort Hays graduate, Michael is an experienced banker and businessman, as well as a licensed real estate and insurance agent. Michael leads in all functions related to operations, capital management and compliance for Bison State Bank.
Chief Financial Officer
Joy Modrcin comes to Bison State Bank with quite the career in the banking industry. She was born in Hoxie, and started working in a family bank at 15 years old. She went to the University of Kansas where she earned undergraduate and graduate degrees, all while working at a bank part-time. She obtained her CPA license and then worked on the regulatory side, auditing banking institutions. In 2004 she resumed working in a bank as an internal auditor and then also in the accounting arena. Today she is our Chief Financial Officer at Bison State Bank.
Vice President / Mortgage Loan Originator NMLS #409547
Joylynn Gutierrez works as the Vice President of Bison State Bank, as well as a Mortgage Loan Originator, IT Manager and Compliance Officer. Joylynn graduated from Kansas State University, where she received her BS in Business Administration with a dual major in Marketing/International Business & General Management. She then went on to receive her Master of Business Administration (MBA) from KSU, as well. She has now been in the banking industry for 24 years and in mortgage lending for over 20 years.
Mortgage Loan Originator NMLS #247386
As a loan consultant, Marvin Davis helps to find the best loan programs and savings to meet your mortgage goals. With over 26 years of mortgage experience, Marvin ensures that the customer is always his number one priority.
monday - Friday: 8am - 4pm
Saturday & Sunday: closed