Meet our Team

Ryan Wiebe

President, CEO & Chairman

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 President, CEO and Chairman of the Board.


Joy Modrcin

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. 


Joylynn Gutierrez

Executive Vice President / Mortgage Loan Originator NMLS #409547

Joylynn Gutierrez  works as the Executive 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.





Vice President, Branch Manager


As the Vice President, Branch Manager and Cashier of Bison State Bank, Dreama Jecha plays an integral role in the bank’s operations.  Overall, Dreama’s number one priority is keeping processes running smoothly and ensuring customers have a wonderful experience. Prior to joining the banking industry, Dreama attended Barton County Community College.  In 2008, she started her career at Bison State Bank in a part-time role, working her way up to a teller.  Since then, her skill set has helped her grow significantly in her role.  She is also a member of the company’s IT committee.

Marvin Davis

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.




Customer Experience Representative

Riley graduated from Truman State University with a Bachelor of Science in Business Administration with concentrations in Marketing and Management. After college, he started in the financial services industry and ran a successful financial planning practice for over a year. Running his own business helped Riley build the necessary skills to effectively communicate, build self-awareness, and open his eyes to the possibilities of success. He found that it taught him a lot about the time and effort it takes to truly bring value to the people we help. Riley enjoys being outside and staying active. He finds peace in the water, whether that is kayaking, swimming, scuba diving, boating, etc. He’s a big foodie and loves to try new foods, recipes and restaurants. Additionally, and very importantly, Riley never misses a Green Bay Packers game on NFL Sunday.


Natalie wilson

Junior Loan Originator NMLS #2275171


Natalie graduated from the University of Nebraska-Lincoln with a Bachelors of Science in Business Administration with a concentration in Finance. Natalie started her career in the Electrical Automation Industry and while she enjoyed it, she missed the financial side of things. She joined the mortgage industry in 2020 on the operations side and later joined Bison State Bank in hopes of becoming a Loan Originator. Natalie enjoys football (Cornhuskers and the Chiefs!) and travelling the world. Her favorite trip so far were her two weeks in the Greek islands!


Mortgage Loan Originator NMLS #2246782



Mortgage Loan Originator NMLS #2275174


Customer Experience Officer



Assistant Cashier



BSA Officer


 monday - Friday: 8am - 5pm

Saturday & Sunday: closed


NMLS #757416