Sandy Owens joined the FSB staff in 1996. Sandy is a native of Randolph and graduated from Randolph High School before she continued her education at Doane College. She graduated with a Bachelor of Arts degree in Business Administration with an emphasis in Finance and a minor in Economics. Sandy is currently a Vice-President of the bank with her primary responsibilities in the lending department including real estate, agriculture and consumer loans. Sandy enjoys working with customers to find solutions to their financial needs.  Sandy enjoys being involved in the Randolph Community and is currently serving on the Randolph School Board, the Randolph Area Foundation Board and the Randolph TeamMates Board. She is also actively involved in the local organizations of P.E.O. and R.O.A.R.  In her spare time, she enjoys camping and traveling with her husband, Dave.  Sandy and Dave have two adult children.