Meet Your Rondout Power Teams

Your Rondout Executive Team

Meet Us

Senior Management Team

davenportJames F. Davenport

President & CEO

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.


charylCheryl D. Bowers

Chief Operating Officer

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.


cullyCharles Cullen

Chief Financial Officer

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 will be 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.


swensonAnn Swenson

Chief Risk Officer

As part of the Senior Management Team, Ann will be responsible for overseeing internal audit, compliance, Bank Secrecy Act (BSA), and commercial loan review. Rondout Savings Bank President & CEO Jim Davenport stated that Swenson has been instrumental in the bank developing an exceptional reputation in the industry.Ann holds a Bachelor of Science in Accounting from Marist College.


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

Your Rondout Personal Banking Team


Michael NinschMichael Kinsch
Residential Sales Originator  

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!” 

Direct Dial: 845-334-4023 | Cell: 845-706-2669 | Fax: 845-331-6818 | email: mkinsch@rondoutsavings.com

Crystal JacobsCrystal C. Jacob
AVP, Retail Bank Administrator

Crystal entered the Banking Industry in 1999, which has given her many years in working with people in diverse professional banking settings. Crystal joined Rondout Savings Bank in 2010 to leverage her experience within a banking environment that has a strong community presence.

As a Hurley resident, Crystal is visible in the community, currently serving on the Foundation Board of the Center for Spectrum Services as Vice President and is a graduate of the Ulster County Regional Chamber of Commerce Leadership Development program.  She lives in Hurley, NY with her husband and daughter.

Crystal's leadership experience, personable disposition and approach for opportunity and discovery make her an important part of the sales and service team at Rondout Savings Bank. She welcomes the opportunity to work for you to meet your financial needs.

Direct Dial: 845-334-4103 | Cell: 845-399-6382 | Fax: 845-334-4047 | email: cjacob@rondoutsavings.com

Terri FerrisTerri Ferris
AVP, Retail Area Manager

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 is adding 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. She also is 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, and Juvenile Diabetes.

Direct Dial: 845-229-0383 | Cell: 845-417-6043 | Fax: 845-229-0518 | email: tferris@rondoutsavings.com

Your Rondout Business Banking Team

Stephen SicklerStephen J. Sickler
AVP Business Banking and Business Development

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!

Direct Dial: 845-334-4106 | Cell: 845-901-1801 | Fax: 845-382-2743 | email: ssickler@rondoutsavings.com

 Bryan Smith

Bryan M. Smith
AVP, Business Development

With a 29 year background in business finances and a life long commitment to the Ulster community, Bryan is bringing a wealth of experience to the position of Assistant Vice President of Business Development at Rondout Savings Bank.

As Assistant Vice President, Bryan will work closely with our business community to guide them in sound business decisions that allow for growth and prosperity.

Bryan’s path to Assistant Vice President of Business Development started with a 24 year career in finance with IBM. He holds an Associates of Science Degree in Business Administration from UCCC and a Bachelors of Science Degree in Business Administration, Finance from SUNY New Paltz.

Bryan is active in his community serving on the board of directors of the Kingston YMCA as well as his high school Alma Mater John A. Coleman Catholic High School. Bryan is also an active member of the Kingston Kiwanis Club and is a 2012 Inductee of the Ulster County Herdegen Hall of Fame.

Bryan is a native of Kingston and currently lives in Hurley with wife Susan.

Direct: 845-334-4005 | Cell: 845-532-2726 | Fax: 845-339-9888 | email: bsmith@rondoutsavings.com

Jennifer Fabiano

Jennifer Fabiano
Business Development Officer / Merchant Services Specialist

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 service 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 daughter 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.

Direct: 845-331-0073, ext. 2289 | Cell: 845-901-1948 | Fax: 845-382-2743 | email: jfabiano@rondoutsavings.com

Your Rondout Investment Team

Michael RiskoMichael Risko
VP Investments, Essex National Securities/Investors MarketPlace

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!

Cell: 845-304-0844 | email:mrisko@ensinet.com

Your Rondout Board of Trustees

RSB Board

Top row, Left to Right:
Frank G. Ostrander, III

Retired, Operations Budget Director, CH Energy Group, Inc.

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:
Heidi Goodrich Kirschner

President & Chief Executive Officer, YMCA of Kingston and Ulster County

Richard Croce
Chairman of the Board of RSB Trustees,
President, Viking Industries

Ian Horowitz
President & Chief Executive Officer, J & A Roofing

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