Tracy Downs

Tracy Downs currently serves as Senior Vice President Customer Service Officer at Sauk Valley Bank since March 2025. Prior to this role, Tracy held the position of Chief Operating Officer at German American State Bank from November 2001 to March 2025, focusing on project management and operational excellence. Tracy also worked at US Bank from October 1998 to October 2001, where positions included Chief Operating Officer, Senior Vice President of Compliance & Marketing, and Branch Manager. Tracy holds a Graduate Degree in Banking from the University of Wisconsin-Madison (2014-2016) and a Bachelor of Arts in Finance from Loras College (1994-1998).