Business Loans

Jeff Smith, Executive Vice President/Chief Lending Officer

Prior to his current position, Jeff was Senior Vice President/Commercial Loan Officer and has been with the Bank since 2005.  Before joining The Apple Creek Banking Company, Smith was a Vice President with Wayne County National Bank where he served for twenty years in many community banking functions.

Jeff has volunteered on various committees and boards in organizations where he is active such as the Wayne-Holmes Association of Realtors and The Wooster Area Chamber of Commerce, including many years on the Wayne County Home & Garden Show Committee.  He has completed a wide range of courses and programs through Community Bankers Association of Ohio, Ohio Bankers League and American Bankers Association, including Bank Leadership Institute and Ohio School of Banking.

Mike Force, Vice President/Senior Commercial Loan Officer

Mike Force joined The Apple Creek Banking Company in December 2017.  Since 1986, Mike has served in many community banking roles, but the bulk of his career has been working with clients focused on business/commercial banking solutions for lending and deposit needs.

Mike holds a B.A. degree from The University of Mount Union in Business Administration/Finance as well as an M.B.A, degree from Ashland University.  Mike is also a graduate of Graduate School of Banking (Wisconsin-Madison), Ohio Bankers League Bank Leadership Institute, and the Wooster Area of Chamber Commerce Leadership Wooster Program and has completed many other lending courses.

Mike is involved in the local community serving as the volunteer Chairman of the Board at West View Healthy Living, volunteer Board Member at the Wayne County Historical Society, and a member of the Wooster Noon Lions.  He has served in other roles with various community organizations in the past as well.

Mike lives in Wooster with his wife and they have a daughter and a son.

Ryan P. Gilbert, Vice President/ Senior Commercial Loan Officer

Ryan joined The Apple Creek Banking Company in June of 2021. Prior to joining The Apple Creek Banking Company, Ryan was Vice President Commercial and Institutional Relationship Manager with PNC. Since 2005, Ryan has worked with business/commercial clients on their lending, treasury management, and depository needs.

Ryan graduated with honors from The University of Akron and went on to pursue his MBA in Finance. He has taken many Ohio Banker League classes and lending courses throughout the past 17 years. Ryan is the President of the Triway Local School Board of Education, previous Board Member Wooster Area Chamber of Commerce, President of multiple local youth sports boards, and a member of the Wooster Elks #1346.

Ryan lives in Wooster with his wife London and their 3 children, daughter Jaymes and two sons Roman and Deacon.

Annette Mignano, Assistant Vice President/Market Manager/Commercial Loan Officer

Annette began her banking career in 1996 and joined The Apple Creek Banking Company in February 2022.  Spending many years in branch management, Annette has a strong passion for helping clients with all their financial needs, from consumer and commercial deposit needs to residential and commercial loan needs.  Overall, Annette aims to deliver the  best possible customer service experience while looking out for her customers’ financial well-being.

Annette enjoys being involved in the local communities serving as a volunteer, member and board member of various organizations.  Annette is currently a Rotarian with the Rotary club of Lake Township,  Member of the Canal Fulton and South Summit Chambers of Commerce, and Past Chair of the Lake Township Chamber of Commerce, where she earned the Business Professional of the Year and Community Impact Award.

Annette lives in New Franklin with her husband, Shawn, and son Dylan. They enjoy traveling, visiting amusement and water parks, and riding along the Towpath Trail.