Welcome to Arizona Bank & Trust 
It's always more fun to say "hello" and "thank you" in person, but in today‚Äôs electronic world, such opportunities are often diminished. Taking time to visit our Web site might be the beginning of a relationship, or it might be one more way of continuing a relationship that has been in place for some time. Either way, we would like to say "welcome" to AB&T and extend an invitation to visit us any time at any of our locations in Mesa, Phoenix, Chandler, Tempe, Gilbert and Scottsdale. 
At Arizona Bank and Trust, we believe that outstanding customer service is the most important core value we can offer you. Our employees strive for it by understanding your particular situation and providing products and services that exceed your expectations.  We know that customer trust and satisfaction must be earned every day and in every way. We pledge to demonstrate this each time you use our bank, on site and online. 
Mission Statement 
Board of Directors 
Arizona Bank & Trust is a subsidiary of Heartland Financial USA, Inc., a $6.0-billion financial services company dedicated to the principles of community banking: Community involvement, an active board of directors, local presidents and local decision making. Investor Relations 

Paul F Muscenti 
(602) 381-2080 

Jerry L. Schwallier 
President and CEO 
(480) 844-4515 

Mark Young 
EVP, Commercial Banking Manager  
Business Banking  
(602) 381-2077 

Jim Klussman 
EVP, Chief Credit Officer 
(602) 381-2083 

Lin L. Howard 
SVP, Senior Operations Manager  
(480) 844-4562 

Kenneth B. Gabel 
SVP, Retail Banking Manager 
(480) 844-4505  

Jeff Hall  
SVP, Regional Residential Mortgage Manager 
p: (602) 553-7840 
c: (602) 989-1986 
f: (480) 717-4278 
NMLS ID#: 673142 

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