You are here

 » Board of Directors

Board of Directors


Noah Wynter Wilcox

CEO and Chairman of the Board
Noah is the fourth generation of the Wilcox family to lead the bank. Noah has served both the local community and the banking industry in numerous volunteer leadership positions. Recently, Noah currently serves as vice chairman of the Independent Community Bankers of America® (ICBA) for 2018-19 and serves on the board of the Reif Performing Arts Center. He is past chairman of TCM Bank N.A. in Tampa, Florida and past chairman of ICBA Bancard in Washington D.C. Noah’s previous community leadership includes seven years of service as a director to the Grand Rapids Area Community Foundation, including his term as chairman, 6 years as a director for the Itasca County Family YMCA, including his term as chairman, has served as a past advisor to the Itasca Economic Development Authority and as a director and past president of the Ruffed Grouse Society, Grand Rapids Chapter. On a state level and nationally, Noah’s service includes elected service on the board of the Independent Community Bankers of America including service on the executive committee of the association and most recently named chairman-elect for the 2019-2020 executive committee, a national association for community banks. Noah also serves as a director for the Independent Community Bankers of Minnesota, including his term as chairman and has done so since 2007. All of this delivers on his belief that community bankers have a civic duty to be proactive participants in the communities they serve as well as the industry they are involved in. Noah is a graduate of the University of St. Thomas and the University of Wisconsin – Madison’s Graduate School of Banking. In his free time, Noah enjoys fly fishing and photography. Noah and his wife, Julie, have five daughters. They love spending time on the lake, traveling, cooking, skiing and are both passionate advocates for the community banking industry.

David Krause

President and Board Member
David brings 30 years of banking knowledge and 20 years of leadership experience to Minnesota Lakes Bank. He is passionate about community banking and building long term relationships.  David understands the importance of providing a high level of customer service while providing products and services that meet our customers’ financial needs.

Prior to joining Minnesota Lakes Bank, David spent the majority of his banking career with Beacon Bank (Shorewood and Eden Prairie) and Klein Bank (Waconia and Chanhassen). He spent four years in the US. Air Force and is a graduate of Pepperdine University and Stonier Graduate School of Banking at Georgetown University.

David is active in the communities he serves. He has held leadership positions in several chamber of commerce, rotary clubs and nonprofit organizations. He currently is Board Secretary for Community Action Partnership of Suburban Hennepin.

In his spare time, David enjoys traveling with his family, training and running marathons and exploring new craft breweries. 

Rebecca Horgan

Board Member
Rebecca Horgan has worked in the financial and banking industry since 1998. During that time she has performed a wide variety of duties related to banking/financial matters, HR, tax accounting and preparation and IT needs. Since 2009, Rebecca has been employed by, and is currently the operations manager for, MMB & Associates, a branch office of LPL Financial, where she oversees the accounting, IT, HR and client services functions. Prior to MMB & Associates, Rebecca served as a financial analyst for American Investors Bank and Mortgage and as operations manager at Abens Financial Services., Inc. Rebecca is a graduate of Mound Westonka High School and currently resides in Mound, Minnesota, with her husband and two active daughters. She enjoys boating and spending time at their cabin.

Steven Burggraf

Board Member
A graduate of the University of Minnesota, Steve Burggraf earned a degree in Small Business Management and Sales and Marketing.  Steve brings experience in business management in northern Minnesota.  He is the President/CEO of seven Ace Hardware stores, located in Minnesota and North Dakota, including Burggraf’s Ace Hardware and Paint Company in Grand Rapids since 1989.  Steve has been a Grand Rapids resident since 1989 and is active in several business and community organizations.  He is a member of the BAD (Big Ace Dealers) and serves on the board of directors of the Grand Rapids Area Community Foundation, Northspan, and Grand Itasca Clinic and Hospital.  Steve also owns the Grand Rapids Ground Round and five Verizon Wireless stores in northern Minnesota.  Steve joined the Grand Rapids State Bank board of directors in April 2012.

Matthew Wing Wilcox

Board Member
Matthew Wing Wilcox is the regional director for Pentegra Retirement Services, specializing in bank owned life insurance (BOLI) and non-qualified benefit plans. He is responsible for sales, marketing, and service in the Dakotas, Minnesota, Wisconsin, Iowa, Missouri and Arkansas. Matt was born in Madison, Wisconsin, and after studying at the University of Minnesota and abroad, he decided to stay in the Midwest and made Minnetonka, Minnesota, his home. After college and a five-year career in the wholesale wine business, calling on mostly family-owned retail and restaurant accounts and developing relationships with customers, Matt joined the insurance business. Matt worked at Northwestern Mutual in 2005 and by 2008 had migrated into the community banking and BOLI arena. In January 2013 an opportunity to open a regional office for Pentegra Retirement Services presented itself, and Matt jumped at the challenge. Since then, that office has grown. He was able to win the ICBM endorsement for his previous company and, as Pentegra representative, is endorsed by several banking association around the country. When traveling within his territory, Matt is an active member of the Wayzata Community Church and enjoys spending time outdoors and on the lake with his family.

Julie Wilcox

Board Member
Julie Wilcox is Senior Vice President of Marketing, Brand Management and Communications for Grand Rapids State Bank in Grand Rapids, Minnesota. She spent the bulk of her career working in media and account management at various advertising agencies throughout the United States before moving back to Minnesota in 2013. Julie grew up in West Central Minnesota. She earned an undergraduate degree in Business Administration from Coe College in Cedar Rapids, Iowa, and an MBA-Marketing from the University of Iowa. Julie’s community involvement is both national and local. After her oldest daughter was diagnosed with several life-threatening food allergies, she became a passionate advocate for people with food allergies. She has served on the national board of FARE (Food Allergy Research and Education) since 2009. Julie also serves on the board of the Grand Rapids Area Community Foundation. Julie and her husband, Noah, have five daughters. They love spending time on the lake, traveling, cooking, skiing and are both passionate advocates for the community banking industry.