Tim Couch – Senior Vice President, Trust Operations
Tim joined Citizens in 1978 and his career at Citizens continues to this day.

Tim holds a Bachelors Degree in Business Management from William Woods University. He has attended various Trust related classes and seminars including ABA Principles of Banking School of Trust and Financial Planning, Cannon Trust Operations I-III, Cannon Trust Tax I-II, and ABA Certified Securities Ops. Prof.

Bill Morlan, Qualified Plans Administrator
Bill graduated from the College of St. Mary in 1999 with a Bachelor of Science in Information Systems Management and Telecommunications Management.

He worked as a Senior Account Analyst Lead in the Omaha area for nine years before recently joining the Citizens Bank & Trust team.
Diane Miller, CRM Specialist
Diane joined the Citizens Bank & Trust team in 1990 and transferred to the Wealth Management Division in 2008. She currenly specializes in customer relationship managment and §125 Cafeteria Plan Administration.

Diane holds a Bachelor of Science degree which she earned from Northwest Missouri State University in 1989.

Paula Sheil, Qualified Plans Assistant
Paula has worked for Citizens Bank & Trust since 1996 and has been with the Employee Benefits Department since 2009.

Employee Benefits Division
105 North Main Street
PO Box 800
Maryville, MO 64468
(800) 399-3023

Danette Rardon – Senior Vice President, Wealth Management

Danette graduated from Truman State University with a B.A. in Communications and a minor in Justice Systems before receiving her JD from the University of Missouri-
Kansas City School of Law and becoming a member of the Missouri Bar Association.

She practiced law in Chillicothe before joining Citizens Wealth Management in 2007.


Jim Blackford- Senior Vice President, Wealth Management

Having completed a careeer as the co-owner and Chief Financial Officer of a steel products manufacturing corporation, Jim joined the Citizens family in 1992.

Jim is a graduate of Northwest Missouri State University with a Bachelor of Science degree in Accounting and currently serves clients as the Business Development Officer for the Wealth Management Division.

Mark Kempf – Vice President, Employee Benefits

Mark graduated with a B.S. in Business from the University of Nebraska. He has two years of Public Accounting experience and 10 years accounting experience in the private sector.

Mark specializes in Qualified Plans and has been an Administrator at Citizens Bank & Trust since 2001.

Bill Titcomb – Vice President

Bill has over 20 years of experience in the financial services sector and has worked closely with high-net worth families, foundations, and a variety of non-profit organizations through his work in trust administration, investment management, and financial planning. Bill focuses on the personal relationship and utilizes a comprehensive approach in providing wealth management services that are tailored to his clients and their needs. Bill is very involved in his community and serves on a number of non-profit boards and committees that promote charitable giving. Contact Bill.