Bank3 Teams

Memphis, TN

Frank J. Cianciola, Founder

serves as Chairman of the Board and CEO of Banc3 Holdings, Inc. and Executive Chairman of the Board of Bank3. Mr. Cianciola has an undergraduate degree from the University of Memphis and a Masters of Science degree in Finance from the Fogelman School of Business at the University of Memphis. He is a graduate and certificate holder of the Graduate School of International Banking at the University of Virginia, the Graduate School of Commercial Lending at the University of Oklahoma, and Executive Program at the Wharton School.

He began his financial services career at Union Planters in 1973 and from 1984-1992 he held a variety of executive positions with Commerce Union Bank (C&S Sovran). From 1992-1995, Cianciola served as CFO of The Memphis Group, Inc., a $60 million aerospace company. In 1995, he became CEO of Victory Bank and Trust, followed by his role as Founder, CEO and Chairman of Renasant Bank. Frank served on the publicly held Renasant (RNST) Bank’s Board from 2004 – 2009. Most recently, he served as Chairman and Vice Chairman of Metropolitan Bank. He is a past president of the Economic Club of Memphis and a Member of the Society of Entrepreneurs of Memphis.

William J. Chase, Jr

serves as Vice-Chairman of Banc3 Holdings, Inc., and CEO of Bank3, as appointed by the Board of Directors, June 2, 2023. He began his career in 1978 at Memphis Bank and Trust and over the next 35 years added to his experience. He most recently was President and CEO of Triumph Bank from 2005-2021, leading the bank to a successful sale to Simmons First National Corp. He is a graduate of Memphis University School, Vanderbilt University, as well as the ABA’s National Commercial Lending School. He is a former Chairman of the Board of Trustees for Concord Academy, a School for Special Needs Students, a former Governing Board Member of St. Francis Hospital, and a current Board Member of Convergence Memphis.

Derek Douglas

serves as Executive Vice President, Chief Operating Officer, and Chief Information Officer. Mr. Douglas has over 25 years of experience in the financial services industry, primarily focused on banking, marketing and customer experience technologies. He began his career at National Bank of Commerce, later SunTrust, leading a team responsible for launching one of the first internet banking and bill payment programs in the country, and served as Vice President managing the bank’s virtual banking and online marketing initiatives. Derek later joined First Mercantile, a retirement services provider, where he was responsible for developing the company’s first CRM program to enhance national marketing and sales initiatives. Most recently, Derek managed the Donor Experience Quality program at ALSAC/St. Jude Children’s Research Hospital.

Lisa Fite

NMLS #508070

serves as Executive Vice President of Retail Banking and Human Resources Director. Lisa has been in banking and the financial industry for over 34 years. She began her banking career as a Teller with Community Bank of Germantown in 1982. She later moved to a full-time position as a Teller and then as a Personal Banker. Lisa served as a Banking Officer and Branch Manager for Victory Bank and Trust Company in 1988. Lisa most recently served as a Branch Manager, Retail Coordinator, Conversion Team Specialist and Bank Operations Officer for Renasant Bank for the last 17 years.

Edward J. “Ed” Gentry

NMLS #1711028

serves as Executive Vice President and Chief Credit Officer. Mr. Gentry has 29 years of experience in the financial services industry. Mr. Gentry most recently served as the Chairman, President & CEO of CRA Partners in Memphis, TN. CRA Partners provides a nationwide crime prevention program for low to moderate income seniors & veterans. The program provides Community Reinvestment Act credit for sponsoring banks. Mr. Gentry is professionally credit trained and previously served as the Executive Vice President & Chief Lending Officer at Triumph Bank. Gentry has also held executive level positions at National Bank of Commerce, BancorpSouth and The Bank of New York.

Matt Shirley

NMLS #595104

serves as Executive Vice President, Senior Lending Officer and Memphis Market President. Mr. Shirley has been in the banking/finance industry for over 14 years. He began his financial services career at Union Planters Bank in 2002. For the next eight years he held various positions in the bank’s retail branches, credit underwriting & support, and commercial banking production roles. In 2010 he joined Metropolitan Bank as a Managing Director in their Commercial Lending group.

Andrew Sprecher

serves as Executive Vice President and Chief Financial Officer. Mr. Sprecher graduated Summa Cum Laude with an undergraduate degree in Accounting and a Master of Professional Accountancy, both from the Adkerson School of Accountancy at Mississippi State University. He graduated Summa Cum Laude from Paul W. Barret, Jr. Graduate School of Banking at Christian Brothers University. Andrew is a Certified Public Accountant and joined Bank3 in 2018. He also serves as a board member for the Tennessee Bankers Association Young Bankers division.

Karen Stewart

serves as Executive Vice President and Chief Compliance Officer for the Company. Her banking career spans 25 years with organizations including First Tennessee Bank, KPMG, and now Bank3.

Hope Bearden

serves as Senior Vice President, Executive Administrative Assistant. Hope brings over 19 years of experience managing operations of a successful local iron manufacturing company.

Tim Clements

serves as Senior Vice President and head of the Treasury Management Division of Bank3. He has been in banking for 47 years covering the southeast United States for various banks headquartered in Memphis. While attending college he began his career in 1976 at National Bank of Commerce (now Truist Bank) where he served for 29 years in the areas of Audit, Operations, and Treasury Management as a First Vice President. In addition to National Bank of Commerce, he worked at Cadence Bank and Triumph Bank as a Senior Vice President and most recently at Simmons Bank as a Vice President. He has an extensive amount of experience in Treasury Management creating those divisions at National Bank of Commerce and Cadence Bank. He is a former Board Member of the Southern Financial Exchange and former Member of the Fiserv Digital Banking Committee.

Paula Moody

serves as Senior Vice President, Deposit Operations. Ms. Moody has been in the banking and financial industry for over 40 years. Throughout her career she has served in various roles including deposit operations, risk, BSA & OFAC, deposit compliance, and internal audit.

Holly Paige

serves as Senior Vice President, Loan Operations Manager. Holly comes to us from Renasant Bank (formerly Metropolitan Bank) where she worked as a client services director for their commercial lending team. She began her career as a legal assistant for a real estate law firm in Memphis. In 2004 Holly began working for Commercial Bank and Trust as a loan specialist for commercial and private client lending. Holly brings more than 15 years of banking experience to Bank3.

Teresa Taylor

NMLS #1719395

serves as Senior Vice President, Commercial Banking. Ms. Taylor has been in the banking and financial industry for over 13 years. She began her career in the audit department for First Tennessee Bank and moved into their Asset Based Lending/Commercial Finance division as a loan officer. She moved to Atlanta and worked for Suntrust Bank as Vice President of Commercial Lending/Private Banking and later moved back to Memphis and worked at SouthTrust Bank as Vice President of Private Banking. Most recently she served as Vice President of Commercial Banking at Bank of Bartlett.

Preston Albertine

serves as Vice President, Commercial Banking. He comes to us from Simmons Bank (formerly Triumph Bank) where he worked as a Commercial Banker. Preston brings over 4 years of banking experience to Bank3.

Stephanie Bishop

NMLS #1385104

serves as the Vice President, Retail Banking Executive. She started banking in 2004 as a teller with Oakland Deposit Bank. Later, she moved to the Arlington, TN branch as an assistant manager. When Triumph Bank acquired Oakland Deposit Bank in 2011, Stephanie was promoted manager and later head of retail.

Hannah DeMaio

serves as Vice President, Compliance and Legal Counsel. She began her career in the financial industry after graduating from the University of Tennessee College of Law in 2020. Hannah passed the Tennessee Bar Exam in 2020 and is a licensed attorney.

Connor Shannon

serves as Vice President, Controller. He began his career in public accounting, working as an auditor at Reynolds, Bone & Griesbeck PLC. Connor is a Certified Public Accountant.

Meredith King

NMLS #1600509

serves as Vice President, Private Banking. She comes to us with a strong sales background working as an associate with Tom James Company and Josef’s Jewelers.

John Barton

serves as Assistant Vice President, Senior Credit Officer. John comes to us from Simmons Bank (formerly Triumph Bank) where he worked as a commercial portfolio manager. John has an undergraduate degree in accounting from the University of Alabama and a Master of Accountancy degree from the University of Mississippi.

Jon Crosby

serves as Assistant Vice President, Commercial Portfolio Manager. Jon comes to us from Simmons Bank (formerly Triumph Bank) where he worked as a commercial portfolio manager for 7 years. He began his banking career at Suntrust Bank as a financial sales representative. Jon brings more than 11 years of banking experience to Bank3.

Maquecia Crumb

serves as Assistant Vice President, Loan Operations Specialist. Maquecia has over 19 years of banking and customer service experience.
She began her career at Union Planters Bank as a Teller and later as Head Teller. Maquecia comes to us from Renasant Bank, formerly known as Metropolitan Bank, where she has worked varies roles as a Concierge/Teller, Client Service Advisor for private client and Client Service Director for the commercial lending team.

Susan Hooten

serves as Assistant Vice President, Loan Operations Specialist. After working in the Travel industry for 13 years Susan began her banking career with First Tennessee in 2002, where she served as Client Specialist in Private Banking. Most recently Susan served as client service director in consumer lending for Renasant Bank (formerly Metropolitan Bank).

Monica Parks

serves as Assistant Vice President, Information Security – Risk and Awareness Advisor with a focus on cybersecurity, risk & awareness. Monica comes to us with over 20 years of experience in the financial services industry, primarily focused in fraud, cybersecurity, digital wallet management, as well as business and technical operations.

Jasmine Riley

serves as Assistant Vice President, Human Resources/Retail Specialist. Jasmine comes to us from The Bank of Jackson where she served as a Customer Service Representative/Teller for 2 years.

Heather Jenkins

serves as Bank Officer and Senior Banking Center Specialist. Heather has 18 plus years banking experience which began in Little Rock, Arkansas.

Gregrie Haneghan

serves as a Banking Center Specialist. Gregrie has 7 years experience with community banks and over 18 years of customer service and sales experience in Healthcare.

Jeff Breunig

serves as a Banking Center Specialist. Jeff has over 20 years of experience supporting his clients with all aspects of their financial needs from personal banking to complex financial planning. A native Memphian, he attended Memphis University School, and then obtained his bachelors and MBA from Christian Brothers University.

Kavanaugh Heard

serves as a Commercial lending assistant for Bank3. Kavanaugh has been in the banking industry for over 8 years including experience as a mortgage loan officer for 3 years.

Jennifer Balderrama

NMLS #1903291

serves as a Deposit Operations Specialist. She started in banking right after graduating college. She has previous experience as a Universal Banker, Senior Head Teller, and Assistant Branch Manager. She was also the first CRA loan officer for that financial institution.

Donna Penrod

serves as Deposit Operations Specialist. Donna joins us from Evole Bank and Trust where she was most recently in Wire Desk/Branch Operations Support. Donna brings over 30 years of Retail Banking to Bank3. She began her banking career as a teller at Rensant Bank and later became Head Teller and then a Personal Banker.

Katie Perdue

serves as an Information Technology Support Analyst assisting with Enterprise IT Support and Development. She is a recent graduate of Tennessee Technological University in Cookeville, TN, where she earned a Bachelor’s of Science in Business Management, concentrating in Information Technology.

Mortgage Lending

Carol McConkey

NMLS #710374

serves as Executive Vice President, Mortgage Lending. She has over 36 years experience in residential mortgage lending where she developed an extensive knowledge of the business. Most recently she spent 15 years with a local community bank as Senior Vice-President over Mortgage and Consumer Banking. During this time, she increased her knowledge of residential compliance regulations while managing the retail bank, mortgage department and producing significant non-interest income for the bank. She has served on the Board of United Housing, Inc. and currently serves on their Lending and Finance committees.

Denise Bowen

NMLS #1719395

serves as Vice President, Mortgage Lending and Community Development Mortgage Advisor. Denise has been in the banking and financial industry for over 20 years. She began her banking career as a Teller with C&S Sovran Bank. She later moved into the mortgage industry with National Mortgage. Over the next several years she held various positions within the mortgage industry. She served as a loan processor, mortgage advisor and mortgage underwriter. In 2002 she joined First Tennessee Bank (First Horizon) and served as a mortgage loan underwriter for 14 years.

Addie Bihm

NMLS #2387904

serves as Mortgage Advisor. She graduated from the University of Mississippi with a Bachelor’s in Business Administration with a focus on managerial finance. After graduation, Addie began working for the Bank3 mortgage department and has quickly become passionate about the mortgage industry.

Kristin Kelly

serves as Vice President, Mortgage Operations Manager. She has 20 + years of experience in mortgage lending including processing, underwriting, and closing.

Sheila Welborn

serves as Vice President, Closing Operations. Sheila has over 25 years experience in title and residential loan closings. She began her banking career at Leader Federal Savings and Loan where she served in different capacities for 14 years. She then worked for a real estate law firm in Florida for 9 years. After returning to Memphis she continued her career as a residential loan closer for a local title company. Over the last 7 years, Sheila expanded her residential real estate closing experience as loan specialist for another community bank.

Teri Rowell

serves as Closing Specialist. She has over 40 years’ experience as a real estate closer in the legal profession in Memphis.

Jackson, TN

Brandy Jones

serves as a Banking Center Specialist. Brandy has dedicated over 20 years to the Human Resource Industry, where she not only served as a director but also a college professor.

Jana Keightley

serves as a Universal Banking Center Specialist. Jana has 20 years of marketing and public relations experience along with 3 years of experience in real estate.

Penny Montgomery

serves as Commercial Loan Specialist. She began her career in banking 29 years ago at First Tennesee Bank in Jackson Tennessee where she served in a variety of roles including Branch Manager and Regional Operations Manager. Later Penny joined Simmons Bank (First State Bank) where her roles included Bank Operations Supervisor, Financial Center Manager, and Consumer Lender.

Union City, TN

Tommy Gurley

NMLS #528196

serves as Union City Market President. Tommy was Vice President at Reelfoot Bank in Union City, Tennessee, where he served as a commercial lender since 2006 and has developed and managed loan relationships in the agricultural, medical, and retail sectors. Mr. Gurley served as the main-point-of contact for the bank’s largest loan customers. Prior to joining Reelfoot in 2007, Mr. Gurley served as Vice President for a large regional bank, where he managed and developed a full service branch office in Union City.

Michelle Bing

NMLS #1600873

serves as Senior Vice President, Commercial Banking. Michelle was Senior Vice President at Reelfoot Bank in Union City, Tennessee, where she served in a variety of roles, including assisting the bank’s Chief Executive Officer and Chief Financial Officer with business development, bank management, and board reporting. Ms. Bing was the main point-of-contact for most of the bank’s largest depositors. She also served as secretary to the bank’s board of directors and was the liaison to the Federal Reserve during the bank’s regulatory examinations. Prior to her serving as Senior Vice President, Ms. Bing held numerous roles in bank operations, including accounting, human resources, regulatory compliance, and loan processing.

Jerry McCullough

serves as Senior Vice President, Agriculture Lending. McCullough served in various capacities with the Farm Credit system for the past 43 years, most recently as a Senior Financial Officer in the Dresden, TN office serving farmers in Northwest Tennessee. He began his career with the Dyersburg Production Credit Association in 1974 in the Union City office as a Field Representative and later as the Branch Manager of the office. McCullough has held several positions with Farm Credit as an Account Executive, Assistant Vice-President, and Vice-President of Lending.

Mallorie Schierbaum

serves as Banking Center Specialist. Mallorie has dedicated her career to the customer service industry. Mallorie began her banking career in 2012. She has served in various capacities in branch operations, with her most recent role as Branch Manager of Security Bank & Trust (formerly Reelfoot Bank).

Jodianna Glissen

serves as banking center specialist. She graduated with a Bachelor of Business Administration degree from the University of Memphis in 2019. In 2018 she started her banking career at Triumph Bank in Memphis, TN as a Universal Banker where she stayed for 2 years until moving back to her hometown. Jodianna’s most recent position was with Simmons Bank as a Credit Admin Specialist where she reviewed commercial loans.

Woodland Mills, TN

Patty McCollum

serves as Senior Vice President of The Farmers Bank. She has been associated with The Farmers Bank since 1978. Over her career with the bank Ms. McCollum has managed every aspect of bank operations at the Woodland Mills location including account reconciliation, consumer lending, and loan and deposit processing.

Deanna Harner

serves as Banking Center Specialist. She has several years of banking experience including new account management and loan processing.

Bonita Brunswick

serves as Banking Center Specialist. She has been in banking for 35 years.

Desoto County, MS

Carmen Kyle

NMLS #2135886

serves as DeSoto County Market President. For the past 7 years, Carmen served as the Executive Director of the Southaven Chamber of Commerce.

Dawn Pierce

NMLS #531556

serves as Assistant Vice President, Banking Center Specialist and Lending Specialist. Dawn has more than 20 years of banking experience at local community banks in DeSoto County.

Nashville, TN

Keith Fuller

NMLS #1150326

serves as Senior Vice President, Commercial Banking and Nashville Market President. Mr. Fuller has been in the banking and financial industry for over 19 years. He began his banking career in the collections department at National Bank of Commerce in 1997. He later moved to equity underwriting, aircraft lending, business banking and commercial real estate. Keith served as vice president for Regions as a business banker and later Independent Bank as a commercial lender. He most recently served as vice president for Trust One / Iberia Bank as a business banker.

Madison Colley

NMLS #2496833

serves as a Private Banking Specialist. She is a recent graduate of Florida State University, where she earned a Bachelor of Science in Finance. She is excited to start her career with Bank3 in the Nashville market.