Commercial Department

Todd Maki

President & CEO 

(906) 786-0220

Give back and provide opportunities to others that have been provided to you. "It's all about people!"

With nearly 40 years of banking experience in Michigan’s Upper Peninsula, Todd Maki brings a wealth of leadership, community commitment, and industry knowledge to his role as President and CEO of First Bank.  Raised in West Ishpeming, Todd is a graduate of Westwood High School and then went on to Northern Michigan University, where he earned a Bachelor of Science degree in Business Management. He furthered his banking education at NMU’s School of Banking and completed the Commercial Lending program at Michigan State University, demonstrating a dedication to continual learning throughout his career.

Todd started his banking career in 1987 at Miner’s Bank in Ishpeming and continued with Michigan Financial Corporation (MFC) after a merger, serving both the Ishpeming and Escanaba communities for 12 years. Throughout this time, he excelled in roles including collections, loan officer, loan manager, and commercial lending, establishing a strong reputation for lending expertise and relationship building.

Joining First Bank Upper MI in 1998, Todd quickly took on greater responsibilities, serving as AVP Loan Officer, SVP Loan Officer, and Regional President. In 2017, following the acquisition and merger with Northern Michigan Bank, he was appointed President and CEO. In this role, he leads the organization in its mission to deliver community-focused financial services and to strengthen involvement across all three bank regions in the Upper Peninsula.

Todd’s commitment to his community is reflected in his service on the boards of the Community Foundation, Community Bankers of Michigan, First Bank Upper MI, and as Chairman of the Board for Lasco Corporation, a Marquette-based Information Technology company. He is also a dedicated member of the local Rotary Club and serves on two regional advisory boards in Marquette and Iron Mountain.

Away from his professional responsibilities, Todd is an avid outdoorsman who enjoys hunting, golf, and wood carving. He is a lifelong Green Bay Packers fan, a passion that took root during his childhood in Green Bay. Todd and his wife, Lisa, have been married for 33 years and together they have raised three children: son Bryant and twin daughters, Morgan and Keira.

Jay Owens

VP Commercial Lender

(906) 786-0222 ext 322

“Take advantage of opportunities with confidence, purpose, and enthusiasm”

With over 30 years of experience in banking, I started in consumer and mortgage lending before becoming a commercial lender. My background includes working as an investment representative for a major brokerage firm.

I graduated from Escanaba High School and earned a Bachelor's Degree in Business Administration emphasis in Finance from Northern Michigan University. Then earned an MBA from the University of Phoenix and additional training at the Northern Michigan School of Banking.

I originate in commercial loans, including financing for business acquisitions, equipment, commercial vehicles, commercial real estate, and working capital lines of credit. Additional I oversee the business credit card program and work closely with our commercial credit analysts.

Spending time with my wife, children, and grandchildren is one of my favorite past times, as well as golfing and biking. I serve on the finance council of St. Joseph & St. Patrick Parish and have been an active member of the Lions Club for 35 years, currently serving as Secretary of the Wells Lions Club.

Kyle Closs

Commercial Lender AVP

Phone (906) 786-3355

“Work hard and be patient, the rest will follow”

I have 10 years of experience in commercial banking, with a bachelor's degree in Finance and Risk Management from Northern Michigan University and a master's in Finance from Colorado State University. I will graduate from the Graduate School of Banking in the summer of 2025.

I primarily lend to small business owners in various sectors, including trucking, manufacturing, retail, and hospitality, while focusing on building community relationships. Growing up in the Upper Peninsula, I understand its unique needs.

In my free time, I enjoy outdoor activities with my family, especially hunting and fishing. I also serve on the Gladstone Downtown Development Authority board, promoting growth in the downtown area.

Jared Ogren

Commercial Lender

Phone (906) 786-3355 ex 119

"Stay Positive, Work hard, Make it Happen"

I am a graduate of Escanaba High School and have obtained a Bachelor’s degree in Business Administration and Finance from Northern Michigan University. As a commercial lender, my primary focus is on providing loans to businesses for their operating costs and new projects. I also enjoy helping individuals who want to buy or start their own businesses. At First Bank, we offer our business customers a range of financing options, including short-term and long-term loans, lines of credit, equipment loans, and building loans. Additionally, I am proud to help First Bank with its Community Reinvestment Act (CRA) program, which is dedicated to meeting the financial needs of the communities we serve.

Having lived in the Escanaba/Gladstone community for about 25 years, I truly appreciate our small-town charm. In my free time, I love spending time with my family and either watching or playing sports. I am also actively involved in the Escanaba Downtown Development Authority board, where I can put my passion for helping the community into action.

chassey gibbs

Credit Analyst

(906) 786-0222 ext 142

Chasey Gibbs is our dedicated Credit Analyst, offering more than three years of hands-on experience in the banking industry. She holds a Bachelor of Business Administration with a concentration in Accounting from the University of Michigan—Go Blue! This rigorous academic background has equipped Chasey with advanced expertise in financial statement analysis, risk assessment, and credit evaluation, all of which are critical to her success in the commercial department. Her deep understanding of accounting principles and analytical skills enable her to provide valuable insights that support sound lending decisions and strengthen the department’s overall performance.

A proud graduate of Gladstone High School, Chasey is actively involved in the community beyond her professional role. She is passionate about music and regularly performs live, singing and playing guitar at venues throughout the area. Chasey also enjoys playing volleyball and making lasting memories with her family and children. Her commitment to community engagement, combined with her professional expertise, makes her an invaluable asset to our organization. Chasey is dedicated to building strong client relationships, fostering a positive work environment, and continuously expanding her knowledge in the ever-evolving world of finance.

EJ Kostreva

Northern Regional President

Phone (906) 228-7300

EJ Kostreva has made Michigan his home for over 52 years, drawing from a rich history and a commitment to community service. A proud graduate of Westwood High School, EJ furthered his education at Northern Michigan University, where he earned a Bachelor’s degree in Accounting.

His professional journey in banking began in 1989, and since 2003, he has been a pivotal figure at First Bank, currently serving as the President of the Northern Division. With expertise in commercial lending, EJ has played a key role in various sectors, including mortgage, consumer, and grounds lending, driving economic growth and financial stability in the community.

EJ's dedication goes beyond banking. He actively contributes to local organizations as a board member of Dead River Campers Inc. and serves as the Chairman of the Board for Bell Hospital, highlighting his commitment to healthcare and community well-being. A member of Cross Bridge Church, he engages with his faith community and participates in various church activities.

In addition to his professional and community commitments, EJ embraces his passions for the outdoors, being an avid fisherman and hunter who relishes the opportunity to explore Michigan's beautiful landscapes. Sports also play an essential role in his life; he plays for the Negaunee Hockey League and participates in the church softball team. He also invests his time in coaching, having guided local football and baseball teams, fostering youth development and teamwork.

EJ has been happily married to Christy for 32 years, and together they cherish their family, which includes their sons, Eric, Ethan, and Luke. Family means everything to EJ, and he treasures the time spent with them.

With a deep sense of responsibility toward his community and a wealth of experience in banking and leadership, EJ Kostreva exemplifies dedication and service in every aspect of his life.

Ron Bennetts

Senior VP & Chief Credit Officer

Phone (906) 228-7300 

I am a proud Yooper, born and raised in Calumet, Michigan, with over 30 years of experience in the banking industry. Currently, I serve as Senior Vice President and Chief Credit Officer at First Bank Upper Michigan's Marquette branch, where I oversee credit policies and lending operations to support both the bank's growth and our clients' success.

I started my career at Northern Michigan Bank in May 1995, progressing from branch manager to Assistant Vice President of Consumer Lending, and later moving into commercial lending. I hold an Associate's Degree in Business and a Bachelor's Degree in Finance from Northern Michigan University and am committed to supporting local businesses and regional economic growth.

Outside of work, I cherish the Upper Peninsula lifestyle, enjoying snowmobiling, golfing, jet-skiing, and working on vehicles with my son. I'm also a member of the Michigan Snowmobile Association and the Marquette Economic Club.

Joe Havican

VP Senior Lending Officer

Phone (906) 228-7300 ext 520

With 36 years of banking experience, including 23 years dedicated to commercial lending, I have developed a deep understanding of the financial needs of businesses and individuals in our community. A lifelong resident of Marquette, I am a proud graduate of Marquette Senior High School and Northern Michigan University.

My commitment to community service is reflected in my 25 years of active involvement with the Marquette Rotary Club, where I had the honor of serving as Past President. I have also served as Secretary/Treasurer of the Marquette Tennis Association since 1986, demonstrating my long-standing dedication to local organizations.

In addition to my professional and civic contributions, I spent 13 years coaching JV Boys’ Basketball at Marquette Senior High School. Outside of work, I enjoy playing tennis and cherishing time with my grandchildren. My lifelong ties to Marquette and extensive banking experience enable me to serve clients with both expertise and a personal commitment to our community.

Spencer Larson

Commercial Lender 

(906) 228-7300 ext 536

Spencer Larson is the newest addition to our Marquette team as a Commercial Lender, bringing seven years of experience in the banking industry. Spencer began his career as a Commercial Loan Processor, advanced to a Credit Analyst, and now serves as a Commercial Loan Officer, demonstrating a strong commitment to professional growth and client service.

He holds a Bachelor’s degree in Business Management with a Minor in History from St. Norbert College, where he distinguished himself both academically and athletically. During his four seasons on the college baseball team, Spencer served as team captain in his senior year and was named to the First Team Academic All-Conference.

Outside of the office, Spencer enjoys spending quality time with his wife, two daughters, son, and their two goldendoodles. An avid outdoorsman, he especially appreciates duck and deer hunting. Spencer looks forward to serving the Marquette community and building lasting client relationships.

elissa griffin

Credit Analyst

(906) 228-7300 ext 510

Elissa Barbara Griffin is an accomplished Commercial Analyst with over four years of professional experience in the banking industry. She holds a Bachelor’s degree in Finance and Risk Management from Northern Michigan University, where she developed a strong foundation in financial analysis, risk assessment, and client relations. Elissa is a proud graduate of Cedarville High School and remains actively engaged in her local community, regularly attending the Marquette Economic Club.

Known for her analytical acumen and commitment to excellence, Elissa consistently delivers insights that drive business growth and enhance operational efficiency. Outside of her professional pursuits, she enjoys golfing, spending quality time with her family, and exploring the outdoors. Elissa is dedicated to lifelong learning and contributing positively to both her organization and her community.

jenna olgren

Credit Analyst

(906) 228-7300 ext 511

Jenna Hubbarth is a valued Credit Analyst in our Marquette office, bringing a strong foundation in finance and credit analysis to the team. Jenna earned her Bachelor’s degree in Corporate Finance from Northern Michigan University, equipping her with comprehensive knowledge in financial management, analysis, and risk assessment. Further enhancing her expertise, she earned her Credit Analyst Certification from the Community Bankers of Michigan, demonstrating her commitment to professional development and excellence in the banking industry.

In addition to her current role, Jenna has experience in mortgage underwriting, which has broadened her understanding of lending processes and deepened her analytical skills. Her well-rounded background enables her to deliver thorough, insightful financial evaluations that support sound lending decisions.

Outside of her professional responsibilities, Jenna enjoys spending quality time with her family. She recently celebrated her marriage and loves traveling to experience new places and cultures. Jenna’s dedication to her profession, commitment to lifelong learning, and enthusiasm for life make her a valuable member of our organization and the Marquette community.