COVID-19 Response: As your local community bank, you can have confidence that we are here for you through these challenging times. Click Here For Updates.
In The News: Coulee Bank Acquires Loans and Deposits From BNC National Bank’s Golden Valley Click Here For Official Press Release.

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Business owners reviewing their finances

Business Banking Team

Meet Your Business Banking Team


Joe Zoellner

Chief Sales Officer
(608) 784-3912

As a native of La Crosse, I've seen our community grow and change. I believe this helps me as a commercial loan officer to better understand the issues you and your business may face. Whether your needs are depository or lending, I hope to work with you to best identify these needs, and more importantly find ways to meet them. In business, it's easiest to work with people you trust, I hope to earn yours.

Mike Gargaro

Chief Operating Officer
(608) 784 - 3917

With over 25 years of community financial and banking experience including positions as an Accountant, Controller, Chief Financial Officer and currently serving as Chief Operating Officer. I’m truly passionate about community banking and making lasting relationships with people in the communities we serve. Outside of the bank, I serve on a number of nonprofit boards including Riverfront board, Treasurer of the Onalaska High School Athletic Booster Club, Chairperson for City of Onalaska CDA, Onalaska Lions Club member and Chair of the Wisconsin Bankers Association Building Our Leaders of Tomorrow (BOLT) board. I look forward to the opportunity of meeting with you and am available for any questions that you may have with your business.

Paul Way

Market President -
St. Paul, MN
(651) 259-1222

I come to Coulee Bank with over 25 years of business banking experience in the Twin City market. I have experience in many areas of commercial lending including commercial and industrial lines of credit and term loans, real estate and asset-based financing. I have also worked in support of the private equity industry on financing acquisitions. Outside the bank, I am actively involved in the Minnesota Chamber of Commerce, Association for Corporate Growth and RESOURCE, Inc. Minneapolis. Previously, I have been involved with St. Paul Area Chamber of Commerce, Delta Sigma Pi and the United Way. I look forward to using my network and experience to help small to medium sized businesses grow.


Matt Nigbur

Market President - 
Rochester, MN
(507) 289-0137

As a professional financial resource in the community with over 13 years of experience in the Rochester, Minnesota market. My diversified banking background includes work with commercial real estate lending, financing of heavy equipment, SBA loan programs, and home construction lines of credit. In my new role, I plan to attract and maintain credit-worthy businesses and business owners for a long-term, mutually beneficial business relationship.  I currently serve on the boards for Sertoma 700 and the Hiawatha Homes Foundation, and I am an Ambassador for the Rochester Chamber of Commerce while coaching the Rochester Youth Soccer and the Champions Basketball League.


Liz Lambrecht

Vice President/
Business Banker/
Lead SBA Lender
St. Paul, MN
(651) 259-1226

I am a native St. Paulite with over 20 years of commercial banking experience. The role of a community banker is to provide financial support to businesses within our community thereby creating jobs and strengthening the community and companies for future expansion, sale or generational transfer. I have assisted both large and small businesses achieve financial success through the use of appropriate banking tools, including both conventional and SBA financing. As your banker I will match your needs with the services and products provided by Coulee Bank and work with you as your financial partner to meet the needs of your company. Please contact me today to set up a meeting and we can get started.


Cal Christensen

Vice President/
Business Banker
St. Paul, MN
(651) 259-1211

For more than 20 years I have served a broad base of business customers, in the Twin Cities market, emphasizing creativity and quality.  Determining a proper fit in terms of products and relationships is of paramount importance to business customers, my objective to make that fit happen.  For last 10 years I have concentrated my energies primarily on commercial real estate.  Large or small, I welcome the opportunity to earn your business.


Dimitar Dzikov

Vice President/ Business Banking Officer
La Crosse, WI
(608) 784-5367

I moved to La Crosse in 2003 and I’m proud to call this community my home. I have been in the banking industry since 2007 focusing on doing what is right for the customer and providing exceptional customer experience. As your Business Banker I will go above and beyond to make sure your business is set up for success. Whether you need credit or deposit solutions for your business, Coulee Bank has an excellent variety of products and services to make your banking easy and convenient. As part of the Coulee Bank team I am committed to serve our community and create long lasting relationships with our customers.


Jodi Ehrenberger

Vice President/ 
Business Banking Officer
La Crosse, WI
(608) 784-3919

I’m proud to bring 22 years of Coulee Region banking experience to Coulee Bank. I’ve worked in every area of the banking industry including tellering, branch management and commercial lending. Based upon my extensive banking experience, I will be able to help you with all of your business and banking questions. Outside of the bank, I serve on the Board of Trustees for the La Crosse Public Library. Previously, I was involved with Oktoberfest by serving on their Board of Directors and in 2009, I served as the board president. My goal to build a long lasting relationships and assist you through all stages of your business.


Joe Welch

Assistant Vice President/
Business Banking Officer
La Crosse, WI
(608) 784-5368

I have been in banking industry since 2011 and have a background in credit administration as well as commercial lending. As a commercial lender, I look forward to forming partnerships with business owners and leaders of the area to help them succeed with products offered at the bank. I am happy to be a part of the Coulee Bank team and I am committed to serve the community to the best of my ability!


Jeff Kumfer

Project Manager
(608) 784-3915

I have been in banking for 30+ years with broad experience on both the sales and credit sides of business banking. I truly enjoy community banking and assisting in matching the right financial products and services with customers and prospects. I look forward to supporting the team in meeting clients’ needs with sound, quality solutions. With quick answers and local decision making, Coulee Bank can help achieve your financial goals. At Coulee Bank, you can bank with confidence. Give us a call or stop in today!