Jeff Conrey

Jeff Conrey has been with the First National Bank Trust Services department since May, 2007. A graduate of Wartburg College, Jeff holds a bachelor’s degree in business administration with an emphasis in management and marketing. Jeff is also an Honors graduate from Cannon Financial Institute’s Personal Trust School and was awarded the Certified Trust and Financial Advisor designation from the Institute of Certified Bankers. 

As an active member in his community, Jeff is a member and Past President of the Easy Riser’s Kiwanis Club and also a member of the Black Hawk County Estate Planning Council. He also serves on Wartburg College’s Planned Giving Advisory Committee and is Past President of the Iowa Trust Association.


LuAnn Ray

LuAnn Ray comes to First National Bank with over 30 years experience in the financial services industry with almost 20 years experience in Trust Services. She is an Honors Graduate from Cannon Financial Institute’s Personal Trust School and was awarded the Certified Trust and Financial Advisor designation from the Institute of Certified Bankers.

LuAnn is very active in serving her community as a member of the Seniors Connections Group of Waterloo/Cedar Falls, Treasurer of the Cedar Falls BPW Group and a member of a local PEO Chapter.


Jennifer Staines

Jennifer joined First National Bank in 2002 and has over 20 years of experience in the financial services industry. She has experience in the trust, human resources, operations, account processing and customer service areas of the bank.

Jennifer has an Associates Degree in Accounting from Iowa Western Community College and has completed Cannon Financial Institute’s Personal Trust School II.

She is an active volunteer for her church, the Northeast Iowa Food Bank Mobile Food Pantry, and Cedar Valley Hospice Friends.