Rick is a banker with 45 years of experience in the industry. He has a strong desire to help businesses grow and succeed because he believes that successful farms and businesses support their communities in many ways. Rick follows an advisory approach to banking. He takes the time to get to know each business and its owners so that he can help them reach their financial goals. Frandsen Bank and Trust has excellent tools and services to offer its clients, and Rick can introduce you to the specialists who can best help you navigate your personal and business needs. Currently, Rick serves as Treasurer on the Downtown Hayward BID (Business Improvement District) Board.