Meet the Team

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Debbi R. Holmes

Vice President, Trust & Wealth Management Department Manager


Debbi R. Holmes is our Trust Department Manager. She graduated from the University of South Dakota School of Law in 1997, and received her masters in Professional Accountancy in 1998. Debbi joined us in April of 2002, when our trust department started, after having practiced law, served as a tax consultant, and teaching classes at Huron University. She is also a Certified Public Accountant. Most recently, Debbi successfully completed several Cannon Financial Institute Trust Schools and is now a Certified Fiduciary & Investment Risk Specialist. She is committed to maintaining a high level of knowledge and excellence to best serve your needs. Her education and background makes Debbi uniquely qualified to serve you in a trust capacity. Debbi travels by appointment to all our branches to answer trust questions. To schedule an appointment, call (605) 352-9122.

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Kristy L. Hepper

Assistant Vice President, Trust Officer


Kristy graduated from the University of South Dakota's School of Business with a Bachelor's degree, major accounting. She became a Certified Public Accountant in March 1991. Kristy joined American Bank & Trust in Pierre after working nine years in a local trust department as a Trust Officer. Kristy was previously a tax accountant and commercial lender. She successfully completed several Cannon Financial Institute Trust and Investment courses and is a Certified Trust & Financial Advisor as well as an Accredited Fiduciary Investment Manager. Kristy has over 26 years of experience working in the financial services arena. One of her goals is to help her customers achieve financial peace of mind using her education and financial expertise. Kristy travels to communities around the Pierre area by appointment. Please contact Kristy at (605) 224-9233 for any of your wealth management needs.

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Clayton R. Voegele - LPL Financial

Vice President: Investments, Wealth Management Specialist,

Retirement Plan Consultant


Clayton R. Voegele is our Investment manager, who travels by appointment to all of our locations. Clayton brings with him over 13 years of investment experience. Clayton has earned certification as a Wealth Management Specialist and Retirement Plan Consultant. He is committed to maintaining a high level of knowledge and excellence to best serve our client's needs.




Securities offered through LPL Financial, Member FINRA / SIPC . Insurance products offered through LPL Financial or its licensed affiliates. American Bank & Trust is not registered broker/dealer and is not affiliated with LPL Financial.


Not FDIC Insured Not Bank Guaranteed May Lose Value Not Insured by any Federal Government Agency Not a Bank Deposit


The LPL Financial Registered Representative associated with this site may only discuss and/or transact securities business with residents of the following states: SD, CA, CO, IA, IN, KS, MI, MN, ND, NE, OH, PA, TX, UT, WA, and WY. The LPL Financial Registered Representative associated with this site may only discuss and/or transact insurance business in the following states: SD and IN.