WMB Ag Lending Team
We understand the passion for farming because many of us are farmers ourselves. We’re proud to work the land passed down through generations and we invest the same blood sweat and tears that you do. We are ready to answer the call when you need us. Most of all, we are committed, as farmers and as a financial institution in supporting our local farmers and strengthening the future generations of farmers to come.
Ryan Bratcher, SVP and Manager, Leitchfield
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Ryan grew up in Clarkson, KY on his family’s cattle farm. Working along-side his father and grandfather taught him the value of hard work and the importance of the American Farmer at an early age.
In 2000, Ryan graduated with degrees in both Finance and Management from the University of Kentucky. He is now a Senior Vice President and Branch Manager with Wilson & Muir Bank at Leitchfield’s Main Office where he has been since 2002. He specializes in both commercial and residential lending.
Ryan is very involved in the Grayson County Community. He currently serves on the boards of the Owensboro Twin Lakes Medical Center, Grayson County Industrial DevelopmentCorporation, Grayson County Chamber of Commerce, Grayson County Tourism Commission and is Chairman of the Leitchfield Tourism Commission.
When he is not at Wilson & Muir Bank or attending a community meeting, you can usually find Ryan at one of his high school children’s ballgames or other extracurricular activities with his wife Merri Beth (Allen) Bratcher. But he is never too far from the family farm. Although most of the farm is now leased for crops, in 2020 Ryan and his father helped his 17-year-old son start his own feeder calf lot on the family farm. Ryan, and his dad, are very proud to see the farming tradition carry on to the next generation.
Billy Johnston, Loan Officer, Leitchfield
Located in Grayson County, Billy is a graduate of the University of Kentucky where he earned his bachelor’s degree in Business Management. Since then, Billy has spent the last 20 years in the banking and finance industry with the last 15 years spent working as a Loan Officer at our Leitchfield Office in Grayson County. Billy has a wide range of lending experience including commercial lending to area farmers.
Billy grew up helping his parents on their cattle and tobacco farm. Being from a large family which includes four siblings he learned the importance of doing his part to help his family. One of his fondest memories is getting to skip school to attend the fall or spring cattle sale or the annual tobacco sale. His dad felt it was important for him and his siblings to get to see the results of their hard work when the finished product was sold. According to Billy, “We never got rich from farming, but always had what we needed, and the lessons learned from helping out on the farm will never be forgotten”.
When not working at the bank, Billy can be found spending time with his wife, Jerri and their four children (Gillian, Will, Abbi, and Charli) or bird hunting. His children keep him busy transporting them to practices, games, and other school activities. Today, his farming involvement is limited to occasionally helping his brother with his farming operation, but he still feels a special connection to farmers and has great respect for their unending work ethic.
Darin Logsdon, VP and Manager, Vine Grove
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Located at our Vine Grove office, Darin Logsdon earned his bachelor’s degree in business administration from McKendree College. Darin is a Vice President with WMB and has spent the last 25 years in our Vine Grove Office. Darin does a wide range of lending, including agricultural loans for machinery, land, lines of credit, and livestock purchases for small part-time farmers and large farm operations.
Darin is married to Cheryl Pearman Logsdon and they have three boys. Darin spent many summers with his grandfather on 600+ acres where they had cattle, crops, and hay. While he was young and didn’t get to learn the details of how to run a farm, he did learn the importance of farming and the community as a whole. From 2003 through 2010, Darin and his step- father operated a 75 head beef cattle operation on their farm in Vine grove.
“In small rural communities, farms are the largest forms of commerce and mean so much to the area. Having been blessed with a great agricultural customer base, I have learned the importance of the leadership and mentorship the farmers give in our community.”
Jenean Lucas, VP and Branch Manager, Big Clifty
Located at our Big Clifty Office, Jenean Lucas is a graduate of KBA Banking School and has over 32 years of banking experience. Jenean has been a strong lender in the Hardin and Grayson County Markets for the past 19 years. If you are buying a farm, a house, tractor, or truck, she can make the financing happen and makes the process easy. Helping the Local Farmers has been Jenean’s commitment for many years.
Learning the ropes of crop production at an early age, Jenean and her brother harvested pickles for extra income. Jenean grew up surrounded by her Papaw’s farm where tobacco was grown, and hogs were raised. She watched her Papaw work the farm that had been in the family for over 100+ years. As time passed and her Papaw got older, the farm was not used anymore because of his age. In 2015, Jenean’s son, Forrest brought the farm back to life. The barns were fixed, fences were repaired, and cattle were added. The farm now has 40 black angus cows.
When the workday is done, Jenean is doing what she loves best and that is being with her family. She has one son, Forrest, and a daughter-in-law Rachel. Jenean is very excited about her first grandchild that will arrive in October 2021. Or in farmer’s terms…HAVING A FALL CALF!