David Emmons Principal Trust Officer 952-885-9447 email@example.com David Emmons is the Principal Trust Officer for United Bankers’ Bank’s bond portfolio management service UTrust. He received his Bachelor of Arts degree from St. Olaf College. David joined United Bankers’ Bank in 1997. As Principal Trust Officer, Emmons assists community bankers in navigating through the bond market with planning and guidance on a “non-discretionary management basis.” Dave has developed multiple statistical tools and processes to analyze the market position of his customer portfolios. He publishes a weekly rate observation newsletter called the Monday Comment.