About the Branch
Meet The Team
Gerald Kruger, Area Manager, joined ARM in 2018 when the Sioux Falls office opened covering the South Dakota, Southwest Minnesota, Northwest Iowa territories. Gerald came to ARM with over 30 years in banking experience, including commercial, consumer, agricultural lending and structured debt negotiations. Gerald grew up on a family farm in Sibly, Iowa and currently lives in the Sioux Falls area with his wife and 4 children. The passion to help the family farm is his drive everyday. Paul Fritz, Credit Analyst, grew up in Tea, South Dakota and has been with ARM since 2018. He graduated from South Dakota State University with his Bachelor of Science in Economics, and previously worked in banking. Lisa Zens, Office Manager, has been with ARM since 2019. She joined us with five years experience in economic development and two years at the Governor’s Office of Economic Development as the states business development person in value-added ag industry. Lisa and her husband farmed in South Dakota and recently moved back to the Sioux Falls area to run their family trucking business. Together they have six children ranging from 13 to 23, and four grandchildren. Farming in South Dakota is a passion of Lisa’s along with growing and helping our family farmers. Katie Daugherty, Credit Analyst, grew up in Lennox, South Dakota and has been with ARM since 2021. She graduated South Dakota State University with a Bachelor of Science in Agronomy and minor in Ag Business. She has gained a variety of agricultural experiences through internships with Central Farmers Coop, Bayer Crop Science and South Dakota Farm Bureau. She currently lives on an acreage outside of Sioux Falls with her fiancé Chris and their two dogs.