Tonya Kruger


Fiduciary Risk Manager

Tonya grew up in Philip, SD and attended the University of South Dakota where she received her Masters in professional accountancy.

She has 5 years of experience in public accounting, and 3 years in Trust. Tonya came to work for First National Bank because of its reputation. “They are outstanding in the business community.”

Tonya’s favorite part about her job is visiting with her customers. Whether it’s about business, personal, or just talking about family, there is always something new to learn.

Outside of work, Tonya is a Mentor through Lutheran Social Services. “I enjoy being a part of an organization that addresses the needs of and provides services to those in our communities.”