Trust Services Team

Home State Bank Trust Services is a locally owned and staffed organization. We believe that personal service can only be achieved by making our people accessible to you -- in your community.

Meet our Trust Services team:

Norm Rehme, VP
Trust Manager
Phone: (970) 622-7412

Norm joined Home State Bank in March 2012. He has been in the financial services industry in northern Colorado for over 35 years. He has 25 years of experience in trust and investment management administration. As a Trust Officer for Home State Bank, he enjoys the close relationships he develops with clients as he assists them with trust, investment, fiduciary and comprehensive wealth management.

He is active in the community on various church and civic boards and a member of the Loveland Rotary Club. Norm is spearheading the effort to renovate the Pulliam Community Building. Norm and his wife are avid ballroom dancers. He is also an accomplished portrait and landscape photographer.

Cindy Kindsfater, VP
Trust Administrative Officer
Phone: (970) 613-2189

Cindy joined Home State Bank in July 2014.  She has over 20 years of hands on trust experience including Trust Operations Manager and has completed Cannon Trust School I.  She has been involved with the American Cancer Society Relay for Life, United Way and is a current board member of Good Samaritan Society Loveland.  Cindy enjoys the relationships that are built with her trust clients, it’s like having an extended family. 

Mary McCambridge, SVP
Community Relations Director
Phone: (970) 622-7198

Mary has 40 years experience in the banking industry, and has been an important and vital part of Home State Bank since November of 1997. One of Mary's biggest passions is Rotary International. She has been a member of the Rotary Club of Loveland since 1993. Mary is actively involved in our community; working with Affordable Housing initiatives of Larimer County, Habitat for Humanity, Partners, Loveland Chamber of Commerce, Leadership Loveland and the Thompson School District. Mary has worked on numerous committees with United Way of Larimer County for over 25 years and was campaign chair in 2008. She currently serves on the Loveland Good Samaritan Advisory Board and the Small Business Development Corporation Board. Mary's husband Jim McCambridge is a professor at Colorado State University in the College of Business. They are blessed with 5 children and 6 grandchildren.


Natalie Miller, VP
Trust Officer & Trust Operations Manager
Phone:  (970) 613-2160

Natalie grew up in the Fort Morgan area and began her banking career there in 1981.  She has worked in the trust department of several banks during the past 25 years and enjoys the new and different challenges the trust department offers on a daily basis.  She is a graduate of Cannon Trust School and holds the title of Certified Trust Operations Specialist.  Out of bank hours for Natalie are spent with her husband, two sons, one daughter, a Cocker Spaniel and two cats!  After much questioning, Natalie admits to being a "craftaholic!" 

Carolyn Hoffman
Trust Senior Support Specialist
Phone: (970) 613-2165

Carolyn works in Trust and currently holds the position of Trust Senior Support Specialist. She processes the daily work including posting of dividends and interest, paying bills for our clients, and executing trades.

She started at Home State Bank in May of 1989. Carolyn has been a Teller, Assistant Teller Supervisor and Person Banker. She graduated from Rushville High School in Nebraska and attended Parks School of Business in Denver where she received her degree in accounting. The bank is like her second family and enjoys the people and clients that she works with.  Camping with her husband, Ron, and family is one of her favorite things to do.


Sandy Meyer
Trust Support Specialist
Phone: (970) 613-2167