Bill was born and raised in Clovis, California, where his family was involved in the cattle and ranching business. He earned a degree in Animal Science from Cal Poly San Luis Obispo and spent seven years working in the livestock industry while living in Bakersfield.

In 1981, Bill transitioned into commercial banking and went on to build a 40-year career in the field.

Now retired, Bill lives in Salinas with his wife, Annette, whom he married in 1981. They have two grown children and three grandchildren. Bill was named Director Emeritus in January 2021 in recognition of his service to the organization.