Todd Kinker is Director of Community Banking at FNBO, helping businesses and individuals find banking solutions that support their financial and operational goals. Todd takes a consultative approach to relationship management, beginning with listening to customers, understanding their needs, and identifying opportunities to improve efficiencies. He works closely with clients to present tailored solutions, coordinate implementation, and ensure a smooth transition to FNBO. With experience across both retail and commercial banking, Todd brings a broad understanding of business development, commercial lending, relationship management, and treasury management to the customers he serves.

Credentials

Todd brings extensive banking and business development experience to his role at FNBO, with a background spanning commercial lending, relationship management, and treasury management. Most recently, he served as Vice President of Commercial Lending at Prairie Community Bank from November 2021 through June 2026, working with clients in Woodstock, Elgin, and Marengo, Illinois. Previously, he held a Vice President of Business Development role from November 2020 through October 2021, serving the Marengo and Elgin markets. Throughout his career, Todd has focused on building trusted relationships and connecting businesses and individuals with resources that address their evolving needs. He holds a bachelor's degree in Speech Communication and English from Wittenberg University in Springfield, Ohio.

Passions

Todd is passionate about serving his local community and building meaningful relationships with the people around him. He has been actively involved in McHenry County organizations, including Leadership Greater McHenry County, where he served on the Board of Trustees and as Vice Chairman of the Alumni Committee. He has also served on the board of the North Central Boys and Girls Club and as president of the Woodstock Chamber of Commerce and Industry, where he was named Volunteer of the Year in 2012. Todd remains involved at St. Mary's Catholic Church in Huntley, Illinois, where he serves as Vice President of the Pastoral Council and is a member of the Knights of Columbus. Outside of work and volunteering, Todd enjoys spending time with his wife of 37 years, Virginia, their children and grandchildren, and his mother. He also enjoys playing pickleball and cheering on his favorite college football teams.