Meet Us

Rondout Power Teams

Our Senior Management Team boasts an enviable record of expertise and achievement. We look forward to serving you!

James F. DavenportPresident & CEO

(845) 331-0073 x2263 (845) 331-1525 Email

Jim has the key attributes to lead Rondout Savings Bank to new levels of success. Appointed President and Chief Executive Officer in 2007, he has been a member of the senior management team since joining the bank in 2001, as Vice President of Commercial Banking. He previously held positions in commercial banking management elsewhere in Kingston and in North Carolina.

A native of Marbletown, Jim graduated from Rondout Valley High School and went on to earn his bachelor’s degree from St. Lawrence University and his master’s degree in business administration from Wake Forest University. He also graduated with honors in 2006 from the National School of Banking at Fairfield University in Connecticut.

Jim is highly visible in the community, currently serving on the board of the Ulster County Development Corporation and the Executive Committee of the Rip Van Winkle Council of the Boy Scouts of America. He’s a past President of the Kingston Hospital Foundation and was the 2007 honoree at the hospital’s Tulip Ball.

As Rondout celebrates its 146th year, Jim and his management team are poised to lead the bank to new levels of service and achievement.

Cheryl D. BowersChief Operating Officer

(845) 334-4024 (845) 331-1525 Email

More than 25 years of experience in local banking have honed Cheryl’s skills in meeting the needs of local businesses and individuals. As Chief Operating Officer, she is committed to providing the best service at the best price consistent with sound fiscal principles. She has been an integral part of Rondout’s Executive Leadership Team since 2008 after joining the bank in 2001 as a founding Business Banking Department Team member. Prior to joining Rondout Savings Bank, Cheryl held various leadership positions at other area financial institutions.

Cheryl’s leadership skills and volunteerism have been recognized in the greater community as well, where she is Past Board Chair of the Ulster County Chamber of Commerce, and she serves on the boards of The State University of New York at Ulster Foundation, The Kingston Boys and Girls Club, the Kingston Lions Club, and Vassar Brothers Medical Center.

In recognition of her community commitment and professional achievements, Cheryl is a past honoree of the YWCA Tribute to Women and was named Volunteer of the Decade by Gateway Community Industries. In June of 2014 she was named Lion of The Year for her lon g-standing membership and volunteerism with the Kingston Lions Club. I March 2016, Cheryl was recognized as the Honorary Irish person of the year by the Ulster Co. Regional Chamber of Commerce. She is a high honors graduate from the American Bankers Association Stonier Graduate School of Banking at the University of Pennsylvania in Philadelphia, PA and attended Wharton Business School where she earned her Leadership Certificate. Cheryl is an active participant with the New York Bankers Association where she has served as a committee member and speaker at the Annual Women’s Leadership Conference.

Cheryl, a life-long native of Kingston where she resides with her husband and two children, welcomes your inquiries and the opportunity to put her expertise to work for you.

Charles CullenChief Financial Officer

(845) 334-4048 (845) 331-6818 Email

With a 27 year background in accounting, 24 of it spent directly in the banking industry, Charles brings a wealth of experience to the position of Chief Financial Officer at Rondout Savings Bank. As Chief Financial Officer, he is responsible for managing the accounting, investment and information systems. Among other things, Charles is responsible for creating the bank’s operating budget and business plan and setting targets for its growth.

Charles’ path to the Chief Financial Officer’s seat began when he was 18 years old, working in the supplies department at the former Mid-Hudson Savings Bank. From there Charles went on to graduate in 1990 from SUNY New Paltz with a degree in Business/Accounting. The Poughkeepsie native went to New York City, where he worked for the United Bank of Kuwait for three years. Executive positions at Rhinebeck Savings, a CPA firm here in New York and at Putnam County Savings followed.

Charles’ recent addition to Rondout Savings Bank was in part brought on by his attraction to Rondout Savings Bank’s commitment to the Ulster County community and the ways in which it lent assistance to so many local groups and community-supported agencies. Mr. Cullen lives in Hyde Park with his wife, Karyn and three children.

Ann SwensonChief Risk Officer

(845) 334-4051 (845) 331-6818 Email

As part of the Senior Management Team, Ann is responsible for overseeing internal audit, compliance, Bank Secrecy Act (BSA), and commercial loan review.

Rondout Savings Bank President & CEO Jim Davenport stated that Ann has been instrumental in the bank developing an exceptional reputation in the industry.

Swenson holds a Bachelor of Science in Accounting from Marist College. Ann has 23 years of experience in the banking industry, and joined Rondout Savings Bank in 2006 as their Internal Auditor. She was promoted shortly thereafter to Assistant Vice President of Audit, and then Assistant Vice President of Risk Management. Ann is a graduate of the National School of Banking, and is a Certified Community Bank Compliance Officer (CCBCO).

As an active member of the community that Rondout Savings Bank serves, Ann sits on the Board of United Way of Ulster County. The Board oversees the many community programs and partnerships that the United Way provides by targeting funds to high quality, local programs and services that meet identified community needs.

Ann lives in Dutchess County with her husband and sons.

Marjorie S. RoveretoChief Lending Officer

Marjorie Rovereto
(845) 334-4037 (845) 331-6818 Email

Ms. Rovereto is an accomplished senior executive and community leader with more than 32 years of banking experience. Over the course of her career, Ms. Rovereto has served as both President and Chief Executive Officer for both Ulster Savings Bank, headquartered in Kingston, NY and Hometown Bank of the Hudson Valley, headquartered in Walden, NY. As Chief Lending Officer, she will apply her depth of experience to further enhance the current residential and commercial lending programs offered by Rondout Savings Bank throughout Ulster and Dutchess Counties.

“Rondout Savings Bank has always delivered the highest level of customer service. I look forward to my role as Chief Lending Officer and being a member of a strong team dedicated to meeting customer needs”, stated Ms. Rovereto.

Ms. Rovereto, a Kingston resident, currently serves as an active board member of Center for Spectrum Services, the New York State Bankers Service Corp. Profit Solutions Board and the Ulster County Ethics Board. She earned her bachelor’s degree in finance and management from SUNY Albany. She is also a graduate of the National School of Finance and Management at Fairfield University.

Michael KinschResidential Sales Manager

(845) 334-4023 (845) 706-2669 (845) 331-6818 Email

A Kingston native and homeowner, Michael also has deep roots and appreciation of all this area has to offer. Nothing brings him greater joy than helping a homeowner find just the right mortgage or a small business owner secure financing to expand operations. With over a decade of experience, he continues to form many long-term business relationships. A graduate of Marist College with a degree in finance, Michael has over 13 years of banking experience. He lives in Glasco, NY with his son.

Rondout Savings Bank offers a wide variety of mortgage programs with flexible terms and all of their lending decisions are made right here in Ulster County. And with rates at an all-time low and federal and state homebuyer incentives, there’s never been a better time to buy or refinance your home. So whether you are planning to purchase your first home, looking to lower monthly expenses through refinancing, or searching for funds for college tuition or renovations, Rondout Savings Bank has a solution that’s just right for you. Please feel free to call, e-mail or visit Michael at our headquarters at 300 Broadway in Kingston to discuss your mortgage or other financial services’ needs and let him show you why Rondout Savings Bank is “always working for you and our community!”

Terri FerrisAVP, Retail Area Manager

(845) 229-0383 (845) 417-6043 (845) 229-0518 Email

Terri joined Rondout Savings Bank in December 2014, bringing 27 years of banking experience with her. Terri has been hired as Assistant Vice President / Retail Area Manager. In this position Ferris will be overseeing and assisting the Branch Management Team in achieving daily sales and service responsibilities.

President and CEO Jim Davenport, is very pleased the bank has added Terri Ferris to its relationship minded management team. “Terri is a banker with local community knowledge and roots, while being well-versed in the latest technological developments positively impacting banking services,” Davenport said.

Terri’s years of experience in the banking industry are matched by a strong commitment to community service. As a resident of Dutchess County, she has served on many chamber boards, not-for-profit committees, and Rotary Clubs. In addition to serving on many boards, Terri has been a volunteer for the American Cancer Society, American Heart Association, Juvenile Diabetes, and Womens Leadership Alliance.

Stephen J. SicklerAVP Business Banking & Business Development

(845) 334-4106 (845) 901-1801 (845) 382-2743 Email

Stephen is a graduate of Kingston High School and St. Bonaventure University. His primary focus is in business development as well as originating residential mortgages and refinances. Stephen has been employed in the Banking Industry for over 15 years. He currently serves on the Ulster County Regional Chamber of Commerce Board of Directors as Treasurer and The Kingston Boys and Girls Club’s Board of Directors.

Stephen resides in Kingston with his two children and, being from the Kingston area, he feels he understands the local economy and knows how to help his clients. He takes pride in providing superior customer service and looks forward to meeting you!

Jennifer FabianoBusiness Development Officer / Merchant Services Specialist

(845) 331-0073 x2289 (845) 901-1948 (845) 382-2743 Email

Jennifer was a graduate of Rondout Valley Central H.S and the University at Albany with a bachelor’s degree in Communications as well as Business. Jennifer’s primary work focus is in business development and overseeing the merchant services program for Rondout Savings Bank. Jennifer currently serves as a member of Junior League of Kingston and is an active member of the Ulster County Regional Chamber of Commerce and The Town of Esopus Business Alliance. She has been in banking for 4 years. Jennifer is a graduate of the Ulster leadership Institution program through the Ulster County Regional Chamber of Commerce.

Jennifer resides in Kingston with her husband and two daughters and feels it is imperative to be an active participant in our community because participation will help our community thrive. Jennifer strongly feels to ensure she has her clients' trust and loyalty, she must be accountable and put her clients’ needs first.

Michael RiskoFinancial Consultant,
Infinex Investments Inc./Investors MarketPlace

(845) 304-0844 (845) 382-2743 Email

Michael has been in the financial industry for over 20 years. With this tenure, he has specifically focused on working with individual retail clients in building investment portfolios to meet various financial goals. Michael’s area of expertise includes mutual funds, tax free bonds, annuities, individual equities and more. Investors Marketplace is a full service brokerage arm of Rondout Savings Bank designed to help clients with any financial need they might have. Michael works closely with all of the bank’s five branches and their clients. Let Michael put his knowledge to work for you and call or email him to schedule an appointment today!


Rondout Board of Trustees


Top Row, Left to Right
Heidi Goodrich Kirschner —President & Chief Executive Officer, YMCA of Kingston and Ulster County
William F. Stote —Vice President, Anaconda Sports
Dennis M. Larios —President, Brinnier and Larios, P.C., Professional Engineers and Land Surveyors
Bradley W. Jordan —President, Herzog Supply Co., Inc. and Kingston Plaza

Bottom Row, Left to Right
Richard Croce — President, Viking Industries
Frank G. Ostrander, III —Chairman of the Board of RSB Trustees, Retired, Operations Budget Director, CH Energy Group, Inc.
Ian Horowitz —President & Chief Executive Officer, J & A Roofing