
Matt Bakalars
Vice President of Business Banking at FVSBank
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Phone: 920-231-1163
As the Vice President of Business Banking at FVSBank in Oshkosh, WI, Matthew Bakalars can put his commercial banking experience to work for you. Since 1989, Matt has been an FVSBank team member at our Oshkosh bank location. His commitment to area business owners, entrepreneurs, and all FVSBank customers is evident in all he does.
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From Business Loans to Business Checking Accounts, Matt is ready to work with business owners in and around Oshkosh to help them find the right financial products and services. FVSBank also offers Merchant Services Credit Card Processing services and provides information and resources on Business Fraud Protection
Though busy at the FVSBank in Oshkosh, WI; Matthew also serves his community in a number of ways:
- Member Oshkosh Southwest Rotary
- Charter Member Winnebago Home Builders Association
- Member Realtors Association of North East Wisconsin
- Oshkosh Chamber of Commerce - 2015 Ambassador of the Year
- Oshkosh Day by Day Warming Shelter Volunteer
- Board Member DC Villars Foundation of Hope
Matthew earned his B.S. in Business Administration with an Economics and Production Management emphasis from the University of Wisconsin La Crosse. Matthew also graduated from the Graduate School of Banking at the University of Wisconsin Madison. With his specialized education and years of experience in commercial banking, Matthew can help you find the business banking solutions you need. From business loans to commercial cash management services, Matthew can help business owners find the financial products and services to help them meet their goals.
Contact Matt today and discover how he can help your business grow!

Mark Heuer
Vice President of Business Banking at FVSBank
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Phone: 920-907-8663
Mark has 25 years of commercial banking experience with a focus on helping business owners create financing options that best support their goals.
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With a great deal of experience in providing options and solutions for businesses, Mark helps business owners create financial options that best support their goals. Mark is an experienced professional in cash flow and collateral analysis as well as tax return analysis. He also has a strong background in lending and is ready to help FVSBank's commercial banking customers. Put his experience to work for your business and contact Mark today with any business banking questions.
Mark eared his B.S. in Business Administration with a finance emphasis from the University of Wisconsin - Oshkosh. Mark has also attended numerous seminars and webinars covering a variety of banking topics to better help businesses. With his specialized education and experience, Mark can help you find the business banking solutions you need.
Contact Mark today and discover how he can help your business grow!

Andy Kittelson
Senior Vice President, Chief Lending Officer
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Phone: 920-907-8686
Andy has more than 30 years of experience in the financial industry, helping customers find the right financial solution.
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Andy has been in the financial services industry since 1993, and with his vast experience, he is ready to be your trusted financial partner.
Through FVSBank, Andy works with customers to find the right financial solution for them. From Mortgage Loans and Home Equity Loans/Lines of Credit to Business Loans, Andy has the expertise and experience to recommend the right financial solution for customers.
Andy earned his Bachelor of Science in Economics from the University of Wisconsin - Stevens Point and his Bachelor of Science in Accounting from Lakeland University. He completed both the Wisconsin Bankers Association Commercial Lending School and College for Financial Planning Continuing Education.
This specialized educational background allows Andy to meet and exceed the financial goals of customers. Beyond his work in the classroom, Andy also is very engaged in his community not-for-profit agencies.

Patty Wilke
Business Deposit Specialist
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Phone: 920-232-1472
Patty has over 20 years in banking with extensive knowledge of relationship building at FVSBank, focusing on assisting business clients with financial solutions.
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Patty helps customers with the process of administering their financial assets with the goal of optimizing their processes, reducing fraud and making sound financial investments. Ask Patty about how she can help you:
- Access information on the go
- Accelerate daily collections and cash applications
- Benefit from convenient deposit and account management options
- Streamline your payables process
- Leverage payment solutions
Contact Patty Wilke to find your personalized business banking solution.