Kayla O’Neal


Personal Trust Officer

Hometown: Brandon, SD
Education: University of South Dakota

I joined the Bank in 2014 after graduating with my bachelor’s in business administration from USD.

Originally, I worked as a part-time teller while earning my MBA, but I also spent two and a half years in the audit department before moving into my role as a Personal Trust Officer with First National Wealth Management.

For more than five years now, I’ve had the pleasure of learning about our clients’ stories and helping them to reach their financial goals. Two areas I especially enjoy working with others on are financial planning and IRAs.

On top of my MBA, I have spent years continuing my education to earn multiple certifications: a Certified Fiduciary and Investment Risk Specialist® designation, a Certified Trust and Fiduciary Advisor designation, and a CERTIFIED FINANCIAL PLANNER™ designation.

The countless hours it took to earn these certifications were more than worth the added expertise I can now offer to clients!

When I’m not at work or further expanding my knowledge, you can find me rock climbing, hiking, or camping with my husband, Tyler, and our shih tzu, Nolan.

Also, I love to uphold the Bank’s commitment to community by volunteering with Junior Achievement.