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Celebrating 25 years

Media Kit

About Ledyard Bank

History & Timeline

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In September 1989, a group of eleven prominent civic and business leaders was formed to discuss opening a new community bank in the Upper Valley. Their meeting was in response to the changes in the local banking scene that were the result of long-established community banks being sold and merged into larger financial institutions. The group decided to embark on the establishment of a new community bank that truly provided personal, responsive and efficient financial services to businesses and individuals in the Upper Valley, Lake Sunapee, and Concord Regions.

1991 Ledyard National Bank opens with 1 location and 12 employees

1992 A drive-up office opens on the corner of Lebanon and Park Streets in Hanover, NH

1994 Financial Centers open in Lyme, NH and Norwich, VT

1994 Investment and Trust Services Division are established

1997 A financial center opens in West Lebanon, NH

1999 A banking and investment & trust financial center opens in New London, NH

2001 A highly visible new financial center opens on Route 120 in Lebanon, NH

2007 Investment and Trust Services expands and evolves into Ledyard Financial Advisors, a comprehensive wealth management group

2008 Ledyard Financial Advisors moves to its own building on Maple Street in Hanover, NH

2010 Ledyard Bank grows to over 100 employees

2014 Ledyard Private Banking service is launched

2016 Ledyard National Bank celebrates 25th year anniversary.  Ledyard opens a wealth management office in Concord, NH

2018 Operations Center opens in West Lebanon, NH

2020 Ledyard opens a financial center in Concord, NH

Quick Facts

  • Established: May 22, 1991
  • Company Size: 119 employees
  • Asset Base: $733MM
  • Ledyard National Bank Locations: (8)
  • Ledyard Financial Advisors Locations: (3) with over $1.8 billion in assets under management and custody
  • Ledyard Private Banking Locations: (3)
  • Headquarters: Hanover, NH
  • Services: Personal Banking, Business Banking, Private Banking and Wealth Management Services

Divisions & Services

  • Personal Banking: A complete range of banking products and services for personal financial needs
  • Business Banking: Financial products and services for businesses of all sizes and stages
  • Wealth Management: Individualized investment and wealth management services delivered with unmatched personal attention
  • Private Banking: Comprehensive and consultative financial services for Upper Valley professionals and their families


Ledyard National Bank Locations

  • Concord
    74 S. Main Street
    Concord, NH 03301
    P: 603.415.0877
    F: 603.415.0878
  • Hanover - Main Street
    38 S. Main Street
    PO Box 799
    Hanover, NH 03755
    P: 603.643.2244
    F: 603.643.7464
  • Hanover - Lebanon Street
    Lebanon at Park
    50 Lebanon Street
    Hanover, NH 03755
    P: 603.643.7457
    F: 603.643.6275
  • Lebanon
    42 Old Etna Road
    Lebanon, NH 03766
    P: 603.448.2220
    F: 603.448.9521
  • Lyme
    On The Green
    PO Box 198
    Lyme, NH 03768
    P: 603.795.2288
    F: 603.795.4324
  • New London
    178 County Road
    PO Box 2203
    New London, NH 03257
    P: 603.526.7725
    F: 603.526.4782
  • West Lebanon
    67 Main Street
    West Lebanon, NH 03784
    P: 603.298.9444
    F: 603.298.9449
  • Norwich, VT
    320 Main Street
    PO Box 670
    Norwich, VT 05055
    P: 802.649.2050
    F: 802.649.2060

Ledyard Financial Advisors' Locations

  • Hanover
    2 Maple Street
    Hanover, NH 03755
    P: 603.643.0044
    F: 603.643.6271
  • New London
    178 County Road
    PO Box 2203
    New London, NH 03257
    P: 603.526.9251
    F: 603.526.6049
  • Concord
    1 Pillsbury Street
    Suite, 303
    Concord, NH  03301
    P: 603.513.4100

Management Team

Josephine Moran President & Chief Executive Officer


Contact Information:
Phone: 603.640.2667

Relevant topics for Comment: Trends regarding how new regulations affect the bank from an operations standpoint, cyber-security topics, banking industry trends in digital and data analytics, branch transformation

Bio: With over twenty years of leadership experience in the financial services industry, Josephine Moran has substantial expertise in community banking, investment services, residential and consumer lending, business banking, small business and customer experience. She has a proven track record of developing and leading high-performing teams with the ability to initiate change, influence outcomes, and develop and execute strategic plans.

Prior to joining Ledyard, she was the Executive Vice President, Chief Corporate Services and Consumer Lending Officer at Provident Bank. She also served as the Executive Vice President and Director of Retail Banking at Provident Bank, Senior Vice President, Regional Manager, Retirement Services Director with Webster Bank, and Executive Vice President, Director of Retail Banking with Columbia Bank, as well as other senior leadership positions with Santander Bank, Wells Fargo Company, and Wachovia Bank.

She is a member of the Board of Governors at her alma mater University of New Haven and also serves as Chairperson for the Pompea College of Business Advisory Board. She is proud to be the founder and chair of the University’s Women’s Leadership Council, which focuses on providing mentorship, networking and growth opportunities for the university’s female students.

Josephine was named one of Industry Era’s “Top Ten Women Leaders in 2020”. She has been featured in Entrepreneur Magazine, Independent Banker Magazine, Mid-Atlantic Banking, and in Thrive Global’s “Meet the Female Leaders of Finance” Series.

Moran holds an Executive MBA from the University of New Haven as well as an M.S. in Finance and Financial Services. She attended the Fashion Institute of Technology in New York where she received her B.S. in Marketing and Management. In addition, she holds Series 7 and 63 licenses.


Michael HakounExecutive Vice President & Managing Director, Ledyard Financial Advisors

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Contact Information:
Phone: 603.640.2695

Relevant Topics for Comment: Stock market trends, economic and political trends shaping the investment landscape, wealth management issues, private banking

Bio: Michael Hakoun is the Executive Vice President & Managing Director of Ledyard Financial Advisors, with nearly two decades of experience in the investment management and banking industry. Michael’s extensive wealth management and retail banking experience perfectly complements Ledyard’s strategic goals and passion for developing long-term client relationships.
Prior to joining Ledyard, Michael led a five-state team located in New Hampshire, Vermont, Maine, Massachusetts and Rhode Island across 230 branches for TD Bank. The comprehensive team included Wealth Strategists, Investment Advisors, Trust Advisors, Wealth Lending Specialists, Private Client Relationship Managers and Client Services. Prior to leading that team, Michael worked in Canada where he led a Call Center for TD Ameritrade in London, Ontario.  He also worked in Toronto, Ontario, leading the Customer & Employee Experience Strategy groups across the North American Call Centers, which included Wealth Direct Investing & the Wealth Advice Center. Additionally, Michael has Retail Banking experience with TD, as a prior Retail Regional Manager in the Greater Concord - Lakes area of NH. Prior to joining TD, he worked with Citibank & Guardian Life Insurance.
Michael graduated from McMaster University’s DeGroote School of Business in Ontario, Canada with a Master of Business Administration. He has a Bachelor’s degree in Business Economics from the State University of New York at Oneonta and also holds FINRA Series 7, 63, 65, 24 licenses.  
He serves on the board of Mt. Zion Christian Schools, coaches recreational softball teams for his daughters, and teaches students at his local church.

William E. Kidder Jr.Senior Vice President & Senior Lending Officer


Contact Information:
Phone: 603.640.2722

Relevant Topics for Comment: Commercial lending in the Upper Valley, Lake Sunapee Region and Concord/Capitol Region, the economy’s impact on commercial ventures in our region, commercial banking trends, private banking

Bio: William Kidder joined Ledyard National Bank in March 2015 as Senior Vice President and Senior Commercial Lender, responsible for Ledyard’s commercial banking, and was promoted to Senior Lending Officer joining Ledyard's Senior Management Team in June of 2016.

Prior to joining our team, Bill spent six years at Merchants Bank as a Regional Manager and Vice President in the corporate banking department working out of Wilder, VT. In addition, Bill worked for three years at Citizens Bank, N.A. as a Vice President in commercial banking. He also worked in commercial banking for eighteen years at TD Bank, N.A., including its predecessors Banknorth and First Vermont Bank, most recently as a Vice President and commercial lender.

Bill graduated from the University of Vermont with a Bachelor of Arts in Economics and Political Science

Download William Kidder’s full biography

Michael T. UrnezisSenior Vice President, Chief Retail Lending Officer


Contact Information:
Phone: 603.640.2724

Relevant Topics for Comment: Residential mortgage and consumer lending products and industry trends including real estate supply/demand, conforming/Fannie Mae, Jumbo, first time homebuyer, HELOC, interest rates, and respective economic impact in communities served.

Bio: Michael Urnezis joined Ledyard in August of 2017 relocating from Rockford, Illinois and bringing with him over two decades of financial services experience.

Prior to joining Ledyard, Mike co-founded Vision Mortgage & Insurance Group in 1999 with offices in the Midwest and Pacific Northwest which he managed until 2012 when Northwest Bank acquired the Group. Northwest Bank retained Mike as Vice President of Mortgage Banking and Business Development. Mike moved to Alpine Bank and Trust Company in 2014 as Vice President, Regional Mortgage Lending. At Alpine he developed and implemented a new wholesale mortgage banking channel designed for community banks in the Midwest.

Mike received his Bachelor of Science degree in Finance from Illinois State University and has served on several nonprofit boards including the Rock River Chapter of the American Red Cross and The Parks Kiwanis. Currently, Mike is a member of the Hanover Rotary, the NH & VT Mortgage Banking Committees, and is enrolled in the 2019 class of Leadership Upper Valley through Vital Communities.

Download Michael Urnezis' full biography

Jeffrey H. MarksSenior Vice President & Chief Marketing Officer

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Contact Information:
Phone: 603.640.2711

Relevant Topics for Comment: Bank marketing and advertising, wealth management marketing and advertising, bank charitable giving and sponsorship programs

Bio: Jeff Marks began his career in Financial Services with American Express Co. in 1997, where he focused on customer acquisition and loyalty marketing. He was responsible for launching several of their premier internet-based programs that received praise in multiple publications, including The Wall Street Journal. Prior to American Express, Jeff worked in Retail as a Buyer for Saks Fifth Avenue.

Jeff’s areas of expertise include digital marketing, direct mail marketing, internet campaign promotion, sponsorship & event marketing, and client experience program development.

Jeff is a graduate of Cornell University where he earned a B.A. in Economics. He received his M.B.A. from the J.L. Kellogg Graduate School of Management at Northwestern University, with an emphasis on Marketing and Management & Strategy

Download Jeffrey Marks' full biography

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Ledyard National Bank
38 S. Main Street, Hanover

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Ledyard Financial Advisors
2 Maple Street, Hanover

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