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© 2026 Little Horn State Bank | Member FDIC | Equal Housing Lender

Amy M. Oakland

Commercial Banking Officer

Billings Branch

Amy is a Billings, Montana native with over 14 years of experience in the banking industry. She holds a bachelor’s degree in business and is dedicated to serving her community through her work and active involvement with local nonprofits. Amy is passionate about building strong relationships and supporting the financial success of individuals and businesses in her community. In her spare time, she enjoys traveling, birdwatching, and spending time with her family.

Jay Graves

VP
Commercial/Ag Lender

Billings Branch
NMLS 1887916

Jay is a Montana native, raised north of Roundup and now residing on the Huntley Project. He graduated from Montana State University-Billings with majors in Finance and Economics. He has diverse experience in the financial industry, including operating small businesses. Jay specializes in commercial, agricultural and construction lending, and enjoys helping small business owners realize their goals. Jay and his wife Jennifer have three grown children and enjoy raising hay and sheep in their spare time.

Larry Keltner

VP
Commercial/Ag Lender

Hardin Branch

Larry was born and raised in Prairie County north of Ismay, MT on family cattle ranches. He attended school in Terry, MT then earned a BS from Montana State University in Farm and Ranch Management. He worked in production cattle agriculture in both commercial and registered herds with diverse experience in cow/calf, yearling, backgrounding, finishing, hay production, alfalfa seed and leafcutter bee production, water well drilling and dirt construction. He also has experience in multiple Ag allied disciplines including animal nutrition, agronomy, chemical, fertilizer, and fuel sales. Ag Banking is the field that ties all of his formal education and practical experience together for the benefit of our clients. He thoroughly enjoys providing Ag and Commercial customers capital and being a sounding board for their business.

Ryan Sears

Vice President
Commercial Lender

Sheridan Branch
NMLS 1502772

Ryan joins Little Horn State Bank (Sheridan Branch) with a decade of experience in banking operations, finance and lending. He grew up in the small town of Lolo, Montana and earned a degree in economics from the University of Montana. Outside of work, Ryan enjoys visiting local parks with his wife and young son, watching sports and volunteering with local nonprofits.

Patrick Schilling

Senior VP
Commercial Lender

Sheridan Branch

Patrick has been a business banker since 2006. He specializes in helping create wealth for his clients by building equity in their enterprises. Formerly a general manager for Wal-Mart Stores, Inc., Patrick lives in Sheridan with his wife and youngest daughter.

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Mikel Erickson

Vice President
Commercial/Ag Lender

Billings Branch

Mikel grew up in Broadview, MT and has spent the last 8 years working as an Ag Banker in Montana. He currently sits on the Montana Fertilizer Advisory Committee. He enjoys playing golf and continues to work on his family farm.

Kati Eve Harrison

Vice President
Commercial Lender

Billings Branch
NMLS 1145138

Kati is a Montana native. She attended MSU where she earned her bachelor’s degree in business and master’s degree in professional accountancy. She is committed to her community through various entities including the MSCPA – Billings Chapter and volunteering for several nonprofits. In Kati’s spare time, she loves traveling, exploring Montana, cheering on the MSU Bobcats, reading and spending time with friends and family.

Dawn Baker

Branch Manager/Personal Banker

Billings Branch
NMLS 1111718

Dawn was raised in Lewistown, MT and attended college in Billings, MT. She has been in banking for 20 years. She has experience in all areas of banking and specializes in consumer and mortgage lending. Dawn loves spending time with her friends and family, listening to music, attending concerts and traveling.

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Scott Degnan

Senior VP
Commercial/Ag Lender

Billings/Hardin Branch

Scott is a Montana native. He graduated from the University of Wyoming. He has been a lender for 25 years in Montana and Wyoming specializing in agriculture and commercial loans. He is involved in a variety of agriculture committees such as the NILE and 4H. He enjoys spending time with his family and being outdoors.

Curt Kelley

President/CEO

Billings/Hardin Branch
NMLS 822865

Curt is a Montana native. Childhood was at Stevensville. Attended MSU Bozeman, graduating in engineering. Always wanted to be a banker and landed his first job in banking in 1994 at Broadus, MT. Has stayed in banking since, married to Melinda and they now have three grown kids.

Mike Phillips

Senior VP
Commercial/Ag Lender

Billings Branch
NMLS 1430405

Mike was born and raised in the Lewistown area. He graduated from MSU with a degree in Ag Engineering. He has had a successful 35+ years in banking and leadership. He is currently on the Big Sky Development Corporation and the Billings Community Foundation. Also, is active in the Billings Chamber Ag Division as well as the Billings RMA Chapter for lenders. He is devoted to his wife Debbie, of 34 years and has a daughter and a son. His hobbies include spending time with his family and working on their ranch near Lewistown.

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