Nick Ratzloff


Wealth Advisor

Nick has been described as “someone who could talk to a wall,” but the truth is that he’d much rather talk to his FNB teammates or, more importantly, you!

“My favorite part of my job is talking with clients about their financial goals.”

The Sioux Falls native has spent his whole life in this city — graduating from O’Gorman High School, attending the University of Sioux Falls, and starting his career.

After earning his bachelor’s degree and MBA at USF, Nick worked in the biofuels and commodities industry for two years. But his background (and his heart) is in financial services, so he joined our Wealth Advisory team in June of 2020.

“I’ve always had a passion for investing and financial planning, and I love helping our clients reach their financial goals.”

The former USF Cougars Baseball outfielder also loves anything to do with the outdoors, namely golfing, fishing, snowboarding, and — of course — baseball. He even volunteers with various nonprofit sports organizations in the Sioux Falls area.

His fiancée, Samantha, is the outdoorsy type too, and the couple enjoys going to the lake together. When Nick and Samantha do stay inside, they like to spend their time completing home improvement projects on the house that Nick built himself!