Meet our  Holland Team

Our Business Bankers bring real world experience that provides real world solutions.  We look for specific qualities in our bankers and invest in their skills and capabilities every day.

Andrew Rugg
Business Banking Officer

Andrew has been with the Bank of Holland for 10 years and is a seasoned commercial lender who believes in building long term relationships with his clients. He serves on the board of directors for Jubilee Ministries and enjoys getting involved in various community events. Andrew is a recent graduate of the Leadership Holland Program where he gained knowledge of how he can further use his strengths to positively benefit the community.

Email Andrew Rugg

Phil DeVries
SVP, Business Banking Manager

Phil first started his career with The Bank of Holland as a senior lender in the Grand Rapids office and was one of six people who helped open the branch location. He has 30+ years of banking experience and has transitioned his in-depth knowledge and experience to the Holland office where he serves as a business banking manager. Phil’s focus is on relationship banking that provides clients with products and services they need.

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Gary Palmitier
VP, Agricultural and Commercial
Lending Specialist

Gary is an agriculture and commercial lending specialist with 25 years of farming expertise which includes his time as the CFO of a major local nursery.  With extensive lending experience in the agriculture sector, Gary provides creative and competitive lending solutions to our Agribusiness clients throughout Michigan. His additional knowledge with FSA, USDA, SBA provide valuable resources to establish, improve, expand, transition and strengthen farms and produce companies.

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Joe Crittendon
Business Banking Officer

As a Relationship Manager for The Bank of Holland, Joe offers a wealth of experience to his clients.  He delivers high-quality service and personal attention to the relationships he develops.  A graduate of Aquinas College, he gained industry knowledge through his previous position as a Loan Review Officer and began his banking career in 1998.  Joe enjoys serving within the community and being involved with local organizations.

Email Joe Crittendon