St. Charles County

John Uthoff is a Vice President of St. Johns Bank with an office at the O'Fallon branch. John has many years of commercial lending experience and has been working at St. Johns Bank since 1999. John can help you with any of your loan needs but specializes in commercial real estate. You can reach John by calling (636) 978-7404 ext. 3609 or emailing him at
Ken Kozma is a Vice President at our branch in St. Peters. Ken began working at St. Johns Bank as a teller and eventually moved over to the commercial lending department in 2003. He is a graduate of the Graduate School of Banking and specializes in SBA loans. You can reach Ken at (636) 939-2005 ext. 3903 or
Brandy Ebers is a Vice President and Commercial Loan Officer with an office at our Harvester location. Brandy has more than 15 years of banking experience. She is a graduate of Southern Illinois University at Carbondale with a degree in finance. Brandy can help you with any of your small- to mid-sized business lending needs from lines of credit to commercial real estate. You can reach Brandy by calling (636) 939-3495 ext. 3288 or emailing her at