Founding Principles

Country Banker delivers a high quality loan analysis system focused on the following Founding Principles:

Uniformity and Consistency

All lenders and all credits in one system.

An Investment

Robust analysis is an investment that customers value.



We Listen and Adapt

The Lending Culture is unique in each bank.

Less Time & Better Information

An enhanced lending experience.

Data is Valuable

Trust is key in banking relationships; data is valuable.

We Focus on Analysis

Intuitive function; focus on analysis, not mechanics.


Loan and Portfolio

No other loan analysis tool provides the speed, power, or flexibility of Country Banker. The all-in-one software is customizable, intuitive and delivers effortless in-depth analysis.

Loan Presentations
Made Simple

Automatic creation/generation of loan presentation further simplifies the process putting an end to duplication of data entry. Country Banker automatically merges reports - providing maximum time to complete your analysis narrative.

Ag, Commercial, and
Consumer Borrowers

Country Banker was designed by bankers for bankers. Get immediate access to reports, including Trends & Ratios, Risk Based Pricing, Projected Cash Flows, Loan Presentations, Proforma Financials, Collateral Analysis, Credit Risk Rating, Shocks & Sensitivity, and Global Analysis.

Meet The CEO & Founder

Tim Ohlde


Tim has 36 years of experience in community banking, including extensive agriculture lending and as a rural bank president. He has served on the ABA Ag Committee, The Board of Bankers Bank of Kansas and on the Kansas Banker’s Association Ag Committee.

Tim brings a love of education to his perspective as a banker. He has taught for 20 years for the Kansas and Nebraska Schools of Banking, the North Dakota School of Banking and the Graduate School of Banking in Boulder Colorado. Tim is a graduate of Kansas State University with a degree in Agricultural Education.

Tim is married to Deb, who works as a consultant and also as a Membership Coordinator for Kansas Corn. He has instilled his love of agriculture in his three boys, Will (who also works full-time for Country Banker), Eli and Nathan. Will and his wife made Tim a grandparent in 2020. Tim’s hobbies include wine-making, gardening and working out.


The Country Banker Team


Senior Manager Software Support
Eugene Jennings

Customer service is key for Eugene. He has worked for Country Banker for 4 1/2 years and is primarily responsible for training customers on software, troubleshooting customer issues and testing the program. As a Pastor for 22 years he has spent a lot of time teaching, and finds that the work with Country Banker is a good complement. Helping people solve problems has always been his passion; he enjoys working with customers and teaching them how to use the software. Eugene really likes the vast variety of people he meets, and truly loves helping them get the answers they need.

Communications Director
Deb Carlson Ohlde

Deb brings 25 plus years of experience in the community development field to Country Banker. She has worked with clients in the public and private sector while owning her own consulting company. Her primary responsibilities involve logistics for training, conferences and speaking engagements. She is an experienced writer, facilitator and project manager who helps bring the County Banker message to current and future clients through marketing and written content. Deb holds a Bachelor's Degree in Agricultural Economics and a Master's in Public Administration, both from Kansas State University. She currently splits her time and provides grower and member services for a Kansas commodity association in addition to her work at Country Banker. Deb and her husband Tim enjoy cheering on the KSU Wildcats and spending time with their three sons and daughter-in-law. Quiet time includes a good book, analyzing politics and enjoying the gorgeous rural landscape in Kansas.

Administrative Coordinator
Gina Sacco

Country Banker welcomed Gina in 2011. She concentrates on administrative services, including accounting, data migration coordination, and conference planning and registration. Gina played volleyball at Bethany College, Lindsborg, where she earned her Bachelor's Degree in Business Economics. She has experience as a Loan Processor and auditor at The Halstead Bank, Halstead; as an Accountant/Cash Manager for Koch Industries, Wichita. Currently she splits her time with the Elk State Bank, where she is responsible for accounting and the Call Report. Watching her three children play and explore on her family farm brings Gina much joy. She and her husband, Eric spend free time volunteering at church and enjoying sports with the kids.

Sales/Development Manager
Will Ohlde

Will currently works part-time for Country Banker and for Elk State Bank. He graduated in December 2017 with a degree in Ag Econ from Kansas State University. You'll catch him at the information booth at conventions, but often he is working behind the scenes, testing new modules for release, taking customer support calls or helping with data migration. At KSU, Will was active in the AGR Fraternity where he previously served as President. He and his wife, Airika currently live in Clifton. She works in the healthcare field and they both enjoy their dogs and working on their new home. Time living in Kansas City made Will miss working cattle and running a tractor.

Core Values

Country Banker delivers a high quality product and is focused on the following Core Values

One system should work for all your customers.  You should use the same approach for ag, commercial, and consumer analysis.

Customers are worth the investment in a robust system of analysis. You will reap rewards from fully understanding your customer’s status.

Lending and analysis philosophy is unique to each bank. You must be able to customize and update your system.

The system should enhance your lending experience. Your work load should decrease, and the quality of information you have available to make decisions should increase.

Customer data confidentiality and protection is key to banking relationships. You should own your data.

The software system should make sense from a banker’s point of view.  You should intuitively understand the system and be able to use it immediately because design was driven by bankers.

Information and analysis for a single customer and across the portfolio must be reliable. Your system should lead you to consistency and uniformity.

We like all of Country Banker. We have been happy with the support, ease of use, and report and schedule content. We value owning our own data and keeping it under our roof. The ability to export information is handy and the built-in collateral analysis is a bonus.
Michael R. Hein, Liberty Trust & Savings Bank, Durant, IA

The implementation of the Country Banker System in our credit division was a monumental step forward in the analysis and management of our credits at PLCC. Convenient to use and flexible enough to accommodate blended entities, Country Banker is the most "user friendly" product I've used in over 25 years in Ag lending. The Country Banker staff provides excellent training and the technical support we have received has been outstanding. Highly recommend!
Tim Meyer, Sr. Vice President, Producers Livestock Credit Corporation, Omaha, NE

Experience The Difference For Yourself



Country Banker meets and exceeds Regulatory expectations for credit analysis. Country Banker Systems provides all the analysis needed as referenced in the supervisory guidance SR 11-14 plus more!



Staff save time and money with the integrated
analytics - enter once and done.


Customer Service is one of our highest priorities. We provide customized training onsite to each new client. A real person answers our support line.

Get in Touch with Country Banker Systems

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Country Banker Systems, LLC

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