Sands’ Enthusiasm Propels Her Banking Career
Mikki Sands, vice president and credit officer at F&M Bank & Trust, said her career in banking has been a journey of growth, opportunity and fulfillment. She is proud of her completion of the Graduate School of Banking at the University of Wisconsin-Madison. She said she had never envisioned a career in banking, but it was “one of the best decisions” when she took the leap and joined the industry in 2013.
Sands said getting involved with the IBA is beneficial personally and professionally, and keeps banks “competitive and compliant.” She believes that in order to be successful, one has to take 100% responsibility for everything they experience in life. When she’s not working, Sands enjoys participating in Bible study, spending time with family and friends, traveling, cheering on the Iowa Hawkeyes and Chicago Cubs, and crafting.
When looking back on your banking career, what achievement are you most proud of and why?
I am most proud of graduating from the Graduate School of Banking (GSB). When I began the program, I had only five years of experience in banking. Over an intensive 25-month period (which extended to 36 months due to COVID), I gained in-depth knowledge of the banking industry that went far beyond my day-to-day responsibilities. The program was rigorous and challenging, pushing me to my limits. Along the way, I had the privilege of connecting with some of the most talented, intelligent, and supportive banking professionals from around the world. Our class developed a strong network that continues to serve as a valuable resource for exchanging ideas— and a few of us even get together every year for a long weekend to reconnect.
What piece of advice would you give to your past self or to anyone considering a career in banking?
Believe in the possibility — even if it’s not what you pictured for yourself. I never imagined a career in banking but taking that leap turned out to be one of the best decisions I’ve ever made. It’s been a journey of growth, opportunity, and fulfillment.
What is your best elevator pitch for why banking is a great career?
A career in banking puts you at the heart of how the world does business. It’s a dynamic field that blends problem-solving, financial insight, and strategic decision-making. Whether you’re working with individuals, corporations, or tech-driven platforms, you’re shaping real financial outcomes every day. With strong growth potential, diverse career paths, and constant innovation, banking offers both challenge and opportunity for those who are driven, analytical, and ready to make an impact.
How does getting involved with the Iowa Bankers Association help you and your bank?
Getting involved with the Iowa Bankers Association is a smart move for both personal and professional growth. For individual bankers, it offers access to top-tier education, leadership development, and a strong network of peers across the state. For your bank, it’s a direct line to industry advocacy, regulatory insight, and resources that help you stay competitive and compliant. Whether it’s through training, legislative influence, or community programs, the IBA helps your bank stay informed, connected, and positioned for long-term success.
When you’re not at work, what do you like to do most?
When I’m not working, I enjoy diving into Bible study and spending quality time with my family. I love traveling, reading, and relaxing on the couch watching TV with my two cats. My husband and I also enjoy watching and attending sporting events, especially cheering on the Chicago Cubs and the Iowa Hawkeyes. I like to spend my free time on creative hobbies like scrapbooking, cardmaking, quilting, and crocheting.
What is a quote or guiding principle you live by?
“If you want to be successful, you have to take 100% responsibility for everything that you experience in your life.” — Jack Canfield