Meet our Team


President & CEO

As President & CEO of Bison State Bank, Mark Emley brings with him a wealth of knowledge and 40 years of experience in the banking industry. Graduating from Kansas State University with a BS in Business Administration, he then went on to receive his MBA from the University of Kansas. Having successfully grown small, community banks by incorporating commercial and real estate divisions; Mark leads Bison State Bank’s mission in developing those same teams to complement the existing expertise in residential mortgage lending while expanding throughout the KC Metro area. In his free time, Mark enjoys playing golf, painting, and traveling with family.


Ryan Wiebe


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.




dan farmer

Executive Vice President / Chief Retail Lending Officer NMLS #779961




Curt scoville

Chief Lending Officer

As Chief Lending Officer of Bison State Bank, Curt’s role is to structure the loan department while building its portfolio and staff to reach the bank’s strategic goals. With over 30 years of Lending Department experience in the region and 10 as Chief Lending Officer at a local bank, Curt helps Bison State Bank grow with stability. He has a BS in Business, taken additional courses and received several specialty certificates. Outside of work, Curt’s interests are primarily focused on his 3 grandchildren and playing on the lake.



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.


Katie schulz

Branch Manager

Katie Schulz is Branch Manager of Bison State Bank’s Kansas City location where she oversees daily retail operations and ensures compliance of all regulations on the deposit side of the bank. Katie has held various positions throughout her 24-year career, but it is her passion for helping solve her customers financial needs that she values most. Graduating from the University of Missouri-Columbia, Katie earned her bachelor’s degree in Business Administration with an emphasis in Finance. In her spare time, she enjoys spending time with her husband and extended family, traveling around the United States, fishing, and flower gardening. 


Zach Martin

Assistant Branch Manager

As Assistant Branch Manager, Zach Martin comes to Bison State Bank from Atlanta, GA with 5 years of experience in the banking industry. In addition to providing exemplary knowledge on services offered and building customer relationships, Zach also assists in leading the Kansas City team in overall branch operations. Zach graduated from the University of Georgia with a bachelor’s degree in Philosophy and was previously the VP of Brookhaven Young Professionals in 2018. He and his wife met in college and became huge Georgia Bulldog fans. In his free-time, Zach enjoys reading sci-fi and fantasy books, playing video games, hiking, and traveling.



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.


Cara Graf

Customer Service Representative



BSA Officer


Patrick Piper

Teller / Loan Processor


 monday - Friday: 8am - 5pm

 Saturday & Sunday: closeD

 TOLL FREE: 833.535.2095

 NMLS #757416