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Damariscotta Bank & Trust Company
Person laying down stars on a wooden table.

Meet Our Lending Team

Passionate.  Committed.  Experienced.
Our lending team is just one more example of why DB&T is the right choice for your lending needs. Our small company size and flat business model means you are working with the people who are actually making your loan decisions. Our lending process is nimble and quick. Loan decisions are made right in the office you visit.  
We take the time to get to know you. Our lending team is extremely knowledgeable and experienced. They take the time to help educate you about which type of loan will best help you reach your goals. They are all personable and live right here in the communities we serve.
Executive Vice President & Senior LenderKenneth Steele
Executive Vice President & Senior Lender
25 Main St, Damariscotta, ME
NMLS# 743934

Ken started at the Bank in 1996. After having graduated from the University of Maine at Orono with a B.A. in Economics, he spent several years in lending in southern New Hampshire. In 1998 Ken was promoted to Vice President and Senior Loan Officer, and in 2010 to Executive Vice President. In addition to servicing his own portfolio of customers, Ken is responsible for overseeing the Loan Officer staff and the loan function as a whole.    He enjoys the broader responsibilities afforded in a smaller bank and understands the value of a common sense and result oriented approach.

Vice President & Residential Mortgage OfficerSamantha Page 
Vice President & Residential Mortgage Officer
25 Main St, Damariscotta, ME
NMLS# 743936

Samantha has been servicing her community's banking needs for over 25 years. During her years at DB&T she has held various positions including Head Teller, Loan Clerk, and Assistant Vice President of loans. Her primary role is mortgage lending and she oversees the mortgage department. Samantha is committed to her customers, their banking needs and understands the importance of what is involved in the mortgage process. She is a      graduate of Lincoln Academy and is a lifelong resident of Damariscotta. Samantha enjoys snowshoeing, swimming, and spending time at the beach. Her favorite holiday is Christmas.

Assistant Vice President & Loan Officer
Debbie Mullinder
Assistant Vice President & Loan Officer
17 Sennebec Rd, Union, ME
289 Camden Rd, Warren, ME
NMLS# 743940
Debbie has 20 years of experience in lending and branch management and maintains the loan portfolio for our Union and Warren customers. She is a graduate of Camden Rockport High School and has continued her education through The Center for Financial Training & Education Alliance. Debbie is an active volunteer in her community; participating in the Community Read Aloud Program, Shelley's Flowers & Gifts Designing with the Stars fundraiser, Bowling for Kids’ Sake, and is a member of the Appleton Historical Society. Debbie enjoys family gatherings, sewing, cooking, and spoiling her pets. Her favorite holiday is Thanksgiving.

Vice President & Commercial Lending OfficerEd Varney
Vice President & Commercial Lending Officer
Belmont Ave, Belfast, ME
NMLS# 743939

Ed brings over 25 years of lending experience to DB&T. He attended University of Southern Maine where he studied Business Administration. He is active in the Belfast Rotary where he is currently Chair for the Road Races Committee and a member of the Finance Committee. He is a member of the Advisory Committee for the Alice Gadd Foundation, a member of the public advisory board for the Waldo County General Hospital, and current Board President for the Deborah Lincoln House of Belfast, ME. Ed enjoys hiking, woodworking, and spending time with his family at camp. His favorite holiday is Thanksgiving.

Branch Manager & Loan Officer
Jennifer Boynton
Branch Manager & Loan Officer
Belmont Ave, Belfast, ME
NMLS# 1670746

Jennifer has 10 years of progressive experience at DB&T. She graduated from Edward Little High School in Auburn and has continued her education in banking through The Center for Financial Training & Education Alliance. Jen is the Treasurer for the Belfast Rotary Club and a volunteer for the Olympia Snowe Women’s Leadership Institute which works to promote confidence and leadership skills in teen girls. Jen also lends a hand at her local high school's sporting events. Her hobbies include walking with her husband, spending time with her three boys, and reading. Jen’s favorite holiday is Valentine’s Day. 


Assistant Vice President & Loan OfficerCheryl Martin-Begin
Assistant Vice President & Loan Officer
619 Main St, Damariscotta, ME
NMLS# 743937

Cheryl's customer's benefit from her more than 30 years of banking experience. During her time here she has held various positions including Branch Manager, Co-Compliance Officer and Assistant Vice President. Cheryl provides mortgage, consumer, and commercial loans to our customers of Damariscotta and surrounding areas. She graduated from Wiscasset High School. She is a past member of the Town of Richmond Planning Board and is a current affiliate member of the Mountain to Shore Board of Realtors. Cheryl enjoys traveling, visiting with her family, and spending summer days by the ocean. Her favorite holiday is Christmas.