Tracy A. Zepeda | Future Branches Austin

Future Branches Austin 2025

November 18 - 20, 2025

JW Marriott Austin, TX

Tracy A. Zepeda

SVP/ Chief of Retail Opportunity Bank of Montana

Tracy Zepeda is a Senior Vice President and Chief of Retail for Opportunity Bank of Montana, a $1B community bank with 23 full-service branch locations across Montana.  Tracy’s responsibilities include oversight of the bank’s retail division and marketing department along with crafting business vision and strategy, identifying new business opportunities, investment prioritization, and other growth strategies. With more than 20 years’ experience in financial services, Tracy is a graduate of the Pacific Coast Banking School, a regular speaker at national conferences, and serves on advisory boards for several industry associations

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