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River's End Ranch #30
Bashful Banker
Olivia Hamilton loves everything about New York—her local coffee shop, the walk to work, the skyscrapers. As a young, single CPA working on audits, life is exciting—and longing for her Texas cowboy-boot history fades day by day.
Fred Wharton, III, has spent his entire life in Riston, Idaho, working in his family’s business—the Bank of Riston. Going back generations, his bonds run deep with the owners of River’s End Ranch, the Westons. As the keeper of secrets, the return of the parents to the ranch have put him in a pickle.
When the Westons need an audit in a hurry and it’s shrouded in secrecy, he sends up an SOS and Olivia comes to the rescue, both professionally and personally. But will his secrets with Mr. and Mrs. Weston keep him from a path to love and a future of his own?
Fred Wharton, III, has spent his entire life in Riston, Idaho, working in his family’s business—the Bank of Riston. Going back generations, his bonds run deep with the owners of River’s End Ranch, the Westons. As the keeper of secrets, the return of the parents to the ranch have put him in a pickle.
When the Westons need an audit in a hurry and it’s shrouded in secrecy, he sends up an SOS and Olivia comes to the rescue, both professionally and personally. But will his secrets with Mr. and Mrs. Weston keep him from a path to love and a future of his own?
- GenresRomance
118 pages, Kindle Edition
Published October 22, 2017
230 people are currently reading
60 people want to read
About the author
Cindy Nichols
108 books118 followersCindy Nichols also writes as Cindy Caldwell
Cindy Nichols writes heartwarming stories interwoven with the bonds of friendship and family that combine what she loves most about women's fiction and romance.
She's lived most of her life near a beach...just the way she likes it. She hopes to share that feeling of peace and serenity with readers in her gently thought-provoking, feel-good stories.
Feel free to sign up for her mailing list to hear about new releases as soon as they are available. Just copy and paste into your browser:
https://www.subscribepage.com/goodreads
Cindy Nichols writes heartwarming stories interwoven with the bonds of friendship and family that combine what she loves most about women's fiction and romance.
She's lived most of her life near a beach...just the way she likes it. She hopes to share that feeling of peace and serenity with readers in her gently thought-provoking, feel-good stories.
Feel free to sign up for her mailing list to hear about new releases as soon as they are available. Just copy and paste into your browser:
https://www.subscribepage.com/goodreads
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Displaying 1 - 25 of 25 reviews
October 29, 2017
Reviewed at Romance Is Ageless
Bashful Banker brings us Fred’s story, a banker who has worked with the Weston family for years and with Mr. and Mrs Weston on an extended RV trip he’s also been the bearer of new projects for the adult children back at River’s End Ranch. Now the senior Westons have given him a whopper of a secret to pull off – and for this man who holds a client’s confidentiality close to his heart it just may mean the end of his own romantic hopes.
Olivia and Fred’s romance is light on the drama and deep on trust and the discovery of that perfect person. The problem arises when Fred cannot tell Olivia the entire truth about the project they are both working on. As their feelings grow, so does the tension about what Fred is keeping close to the vest. Sooner or later something has to give… hopefully it’s not someone’s heart.
This story marks a major landmark in the series, so I don’t want to go into details. Olivia and Fred make a sweet couple, unlikely in some ways, perfect in others. We get a very light visit from the fairies, and a lot of catching up with the members of this huge River’s End family. If you’ve followed the series, then this one is a story that you’ll need to pick up.
I enjoyed myself, as always at River’s End Ranch and would recommend this story and the entire series to any Romance reader.
I read this title through my Kindle Unlimited subscription.
Bashful Banker brings us Fred’s story, a banker who has worked with the Weston family for years and with Mr. and Mrs Weston on an extended RV trip he’s also been the bearer of new projects for the adult children back at River’s End Ranch. Now the senior Westons have given him a whopper of a secret to pull off – and for this man who holds a client’s confidentiality close to his heart it just may mean the end of his own romantic hopes.
Olivia and Fred’s romance is light on the drama and deep on trust and the discovery of that perfect person. The problem arises when Fred cannot tell Olivia the entire truth about the project they are both working on. As their feelings grow, so does the tension about what Fred is keeping close to the vest. Sooner or later something has to give… hopefully it’s not someone’s heart.
This story marks a major landmark in the series, so I don’t want to go into details. Olivia and Fred make a sweet couple, unlikely in some ways, perfect in others. We get a very light visit from the fairies, and a lot of catching up with the members of this huge River’s End family. If you’ve followed the series, then this one is a story that you’ll need to pick up.
I enjoyed myself, as always at River’s End Ranch and would recommend this story and the entire series to any Romance reader.
I read this title through my Kindle Unlimited subscription.
September 29, 2019
This e-book had soooo many spelling/work/grammar errors it was ridiculous. There were a few sentences that I couldn't figure out what was meant because the wording was so bad. Authors ought to have a friend read the book before publishing.
As for the story, it could have been really good but it became superficial on 2 different stories: the Weston ranch turn-over and Fred & Olivia's romance. If either one was the primary story it would have been great because it'd have been more in depth but unfortunately the story just skimmed the surface of both. Fred & Olivia just seemed to work a lot and there was little seeing them fall in love; no real romance plus a little fake drama and boom they're in love. Disappointing.
As for the story, it could have been really good but it became superficial on 2 different stories: the Weston ranch turn-over and Fred & Olivia's romance. If either one was the primary story it would have been great because it'd have been more in depth but unfortunately the story just skimmed the surface of both. Fred & Olivia just seemed to work a lot and there was little seeing them fall in love; no real romance plus a little fake drama and boom they're in love. Disappointing.
October 26, 2017
Nothing original
Shocker : 2 people just met, go from friends to married within weeks. It's the same as almost every book in the series. No originality. What makes it even more ridiculous is that Fred was in love with Dani forever, then he suddenly gets over her and marries someone he just met, all in the same book. And let's not forget about creepy Joshua.
Shocker : 2 people just met, go from friends to married within weeks. It's the same as almost every book in the series. No originality. What makes it even more ridiculous is that Fred was in love with Dani forever, then he suddenly gets over her and marries someone he just met, all in the same book. And let's not forget about creepy Joshua.
October 28, 2017
Hero: Fred/banker --Heroine: Olivia CPA
plot/storyline:4.5* He needed help of a cpa for an "audit"
Ending-4.5*- A wonderful HEA. sweet and honest.
Reading Enjoyment:4.5* I enjoyed reading Fred's story felt bad for hi since Dani (I didn't want him for Dani but I have a soft spot for "nerds").
plot/storyline:4.5* He needed help of a cpa for an "audit"
Ending-4.5*- A wonderful HEA. sweet and honest.
Reading Enjoyment:4.5* I enjoyed reading Fred's story felt bad for hi since Dani (I didn't want him for Dani but I have a soft spot for "nerds").
February 9, 2018
So happy to see Fred find his love in Olivia.
I was happy to see Fred find his soulmate in Olivia. She is the perfect match for him. I love this series. The stories are all wonderful and include a lot of favorite characters. This is a story not to be missed project Jack o lantern was great!
I was happy to see Fred find his soulmate in Olivia. She is the perfect match for him. I love this series. The stories are all wonderful and include a lot of favorite characters. This is a story not to be missed project Jack o lantern was great!
October 25, 2017
The ranch
Friends,family trust and love plus the most scenic beautiful outdoors make for a romantic story in the perfectly humorous fashion that the Rivers End stories all have in common it feels like coming home after a long absence.
Friends,family trust and love plus the most scenic beautiful outdoors make for a romantic story in the perfectly humorous fashion that the Rivers End stories all have in common it feels like coming home after a long absence.
October 28, 2017
Trust
Business brought them together and love came towards the end and surprised them both. They trusted each other towards the end even though they had a fight. How about a story for opal her sister?
Business brought them together and love came towards the end and surprised them both. They trusted each other towards the end even though they had a fight. How about a story for opal her sister?
November 2, 2017
An amazing read
This was such a sweet love story. The young banker with a broken heart with the mix of a young women missing her mom They both need each other.
Couldn't put the book down until it was done. Another great book in the River''s End's Ranch series
This was such a sweet love story. The young banker with a broken heart with the mix of a young women missing her mom They both need each other.
Couldn't put the book down until it was done. Another great book in the River''s End's Ranch series
November 13, 2017
Wonderful
If you have the chance, read this series of books. Wholesome, loveable, funny, heartwarming. There are not enough words to day just how much I enjoy this series. I sincerely hope that there will be more. Thank you!
If you have the chance, read this series of books. Wholesome, loveable, funny, heartwarming. There are not enough words to day just how much I enjoy this series. I sincerely hope that there will be more. Thank you!
December 16, 2017
Enjoyable read
Thirty times now I've tried to explain the story line of a River's End Ranch book, and each time I've tried to explain my enjoyment of that book. Let me put it very succinctly, this was a good read told by an artistic writer.
Thirty times now I've tried to explain the story line of a River's End Ranch book, and each time I've tried to explain my enjoyment of that book. Let me put it very succinctly, this was a good read told by an artistic writer.
June 23, 2025
Word Salad
There are many,many grammatical errors. Difficult to read when trying to unscramble words to make a sentence even with misspellings, dropped word and words that don’t belong.
There are many,many grammatical errors. Difficult to read when trying to unscramble words to make a sentence even with misspellings, dropped word and words that don’t belong.
September 20, 2025
this was a nice story. however, the grammatical errors got a little distracting. I like to read Cindy Nichols when I am looking for some light reading or something to listen to while I am doing housework or gardening.
October 24, 2017
What a fun read
A fun story about a couple truly made for each other. Complete with surprises, lost dogs, quirky chapters and family
A fun story about a couple truly made for each other. Complete with surprises, lost dogs, quirky chapters and family
October 25, 2017
Awesome
So glad to be back at River’s End Ranch. Such a happy loving place. Can’t wait for the next trip.
So glad to be back at River’s End Ranch. Such a happy loving place. Can’t wait for the next trip.
October 25, 2017
Trusting in love
Lovely tale! Fred and Olivia are such wonderful characters, so much life and love in them both. A must read!
Lovely tale! Fred and Olivia are such wonderful characters, so much life and love in them both. A must read!
October 25, 2017
Another fun River's end ranch book
So much fun to read, like most of the books in this series. Hope this series keeps going and going. Each book is like a vacation in itself.
So much fun to read, like most of the books in this series. Hope this series keeps going and going. Each book is like a vacation in itself.
November 9, 2017
Read this book!
So very very Good! Loved every minute of it. Always sad to see a book end but really looking forward to the next 😁
So very very Good! Loved every minute of it. Always sad to see a book end but really looking forward to the next 😁
November 12, 2017
Beautiful Romance
This is a great story with funny and heartwarming characters that will just have you falling more and more in love with this series.
This is a great story with funny and heartwarming characters that will just have you falling more and more in love with this series.
November 23, 2017
Love all the Rivers End Book
All the authors do a wonderful job of writing this series. I hope this is not the last one looking forward to number 31.
All the authors do a wonderful job of writing this series. I hope this is not the last one looking forward to number 31.
April 9, 2018
Another wonderful visit to River's End Ranch. I have loved every installment in the series so far and I hope it goes on for many more books! I so wish RER was real!
September 2, 2018
Cute
This was another cute story in the River's End Ranch series. I really enjoyed the characters. This is a sweet, clean romance.
This was another cute story in the River's End Ranch series. I really enjoyed the characters. This is a sweet, clean romance.
February 16, 2019
Good
This book is part of the series that's see on a resort ranch in Idaho.this one is not about the family .
This book is part of the series that's see on a resort ranch in Idaho.this one is not about the family .
January 14, 2023
Incredible number of typos, missing words!!! Can’t believe this was proofread!! Very hard to overlook & at times confusing as to what was happening to whom!!! Very disappointed ☹️
October 27, 2017
Bashful Banker
I can't believe this was the 30th book in the series. Finally Fred for his story. He has made an appearance in quite a few of the books. He just needed to find someone like him.
Olivia was that person.
I can't believe this was the 30th book in the series. Finally Fred for his story. He has made an appearance in quite a few of the books. He just needed to find someone like him.
Olivia was that person.
August 26, 2018
Fred & Olivia
The planned sale of RER triggers financial reviews, audits and all things financial, but why does he have to live and work with HER to get it one?
The planned sale of RER triggers financial reviews, audits and all things financial, but why does he have to live and work with HER to get it one?
Displaying 1 - 25 of 25 reviews