Sales & Service

John R. Croak
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John R. Croak has been around FNB most of his life. He is the third generation of Croaks to be employed by the bank that his grandfather, Henry, purchased in 1954. John was born and raised in Midwest City where he graduated from Midwest City High School in 1985. He is also a 1990 graduate of The University of Oklahoma where he received a B.A. in Communication. He furthered his education through the Oklahoma Bankers Association receiving degrees in Basic Banking, Consumer Lending and Commercial Lending. As a third generation Banker, John began his career at FNB in 1983. John has worked in various capacities for FNB Community Bank, ranging from an entry-level position as a courier to managing a Branch. He was elected to the Board in 1997. In early 2002, John began working within the Bank's Central Credit Division. John is now Executive Vice President, Sales Division Manager, and Vice Chairman of the Board of the FNB Community Bank Board. John is active within the community through the YMCA, Midwest City High School Museum and Wickline Methodist Church. John and his wife, Heather, have two children and live in Oklahoma City.

NMLS # 1470143

Phone: 405-732-7571 ext. 3250

Jeff Arvin
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Jeff Arvin joined FNB Community Bank as Vice President/Commercial Banking Officer in March 2007. He has 25 years experience in all aspects of banking, as well as experience as a small business owner. Jeff is the Manager of FNB Community Bank's Moore Branch and is actively involved in the Moore community, where he lives. He is the Vice-Chairman of the board of Moore Youth and Family Services as well as Vice-Chairman of the board of Crime Stoppers of Moore. He has served on the Parks Board for the City of Moore for 20 years and is an active member of the Moore Rotary Club.

NMLS# 424152

Phone: 732-4571 ext. 3851

Sandy Breed
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Sandy Breed has been with FNB Community Bank since 1998 and is currently Vice President/Branch Manager at the Harrah branch. She has held positions previously at FNB Community Bank as a teller, teller supervisor, commercial teller, personal banking assistant and administrative assistant. She graduated from Harrah High School and Rose State College. She and her family reside in Eastern Oklahoma County.

NMLS# 424157

Phone: 391-5855

Tracy Burton
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Tracy Burton is Assistant Vice President & Assistant Branch Manager at FNB Community Bank's Choctaw Branch. She has been in lending since 1985 and began her career with FNB in 1997 as a loan processor in the Mortgage Department. She graduated from Consumer Lending School at Oklahoma State University in Stillwater, OK. Tracy and her husband reside in Choctaw. She previously served as Treasurer for the Choctaw-Nicoma Park Lions Club and currently serves Eastern Oklahoma County as a Reserve Police Officer for the city of Choctaw.

NMLS# 424158

Phone: 732-4571 ext. 3604

Matt Conover
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Matt Conover joined FNB Community Bank in 2012 as a Float Teller. Since then he has worked as a Teller Supervisor, Personal Banking Assistant, and currently serves as an Assistant Vice President, Personal Banking Officer at our Douglas Branch.  Matt graduated from Carl Albert High School in 2006, and continued his education at the University of Oklahoma where he graduated with a Bachelor of Science in Education.  Matt grew up in the OKC metro area and currently resides in Midwest City.

NMLS # 1426887

Phone: 405-739-6559

Kyle Croak
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Kyle W. Croak began working as a part-time teller at FNB Community Bank in December 2011; becoming a part-time Personal Banking Assistant in May 2014. Upon graduation from college he was named Commercial Banking Officer in January 2015.

Kyle grew up in Midwest City and graduated from Carl Albert High School in 2011, attended Sterling College in Sterling, Kansas, where he received his Bachelor of Sciences in Business with an emphasis in Leadership Management and graduated cum laude in December 2014. Kyle is part of the fourth-generation of the Croak family to work at FNB Community Bank. Kyle is currently attending the Graduate School of Banking at Colorado. He also serves on the Board of the Community Bankers Association of Oklahoma’s Horizon Bankers, is a member of the Oklahoma Bankers’ Association’s Emerging Leaders, and is a graduate of Midwest City Citizens’ Police Academy Spring of 2016. Kyle is an active member of the East Oklahoma County Rotary Club.

Kyle currently resides in Choctaw with his chocolate lab, Cooper, and his wife, Meredith. They attend Choctaw United Methodist Church.

NMLS# 1284931

Phone: 732-4571 ext. 3254

Julie Croak Waddle
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Julie (Croak) Waddle began working part-time for FNB Community Bank in April 2012 in the Solutions Center. Throughout college, Julie worked as a teller during her summers off from class. During Julie's senior year at The University of Oklahoma, she worked part-time as the Operations Intern, rotating through each department of the bank. In April 2016, Julie switched to full-time as the Digital Marketing Manager. She became Assistant Vice President in December 2016. Julie is part of the fourth generation of Croaks to have worked at FNB Community Bank. Julie graduated from The University of Oklahoma's Price College of Business with special distinction in Marketing and Management. At OU, Julie was a member of the Alpha Phi sorority, the President's Leadership Class, and the Campus Activities Council Executive Committee. Julie attended and graduated from the Oklahoma Bankers Association's Basic Banking School in 2016 and the OBA's Intermediate Banking School in 2017. Julie currently serves on the Board of Directors for Mid-Del Food Pantry and the Mid-Del Group Homes. Julie also volunteers as the Public Relations Chair on the Board of the Junior Service League of Midwest City. Julie and her husband, Austin, reside in Midwest City with their beagle, Boomer.

Phone: 405-732-4571 ext. 3990

Elsie Cruz
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Elsie Cruz has over 23 years of banking experience, 14 of which are with FNB Community Bank. She was born in Guam, US Territory and was raised all over the world, as her father was in the US Army. She graduated from George Washington High School, Guam in 1991 and started banking as a teller in 1993. Elsie moved to Oklahoma in 2002 and started working at FNB Community Bank that December as a float teller. Elsie has served in many positions at FNB, including Teller Shift Supervisor, Central Credit, Loan Processing Clerk, Solutions Center Representative, Personal Banking Assistant. Her current title is Assistant Vice President, Personal Banking Officer at our Del City Branch. Elsie has 3 sons: Frankie, Ethan, and Robert, as well as one precious grand-daughter, Nova'Lynn.

NMLS # 867080

Phone: 405-671-8026

Jennifer Day
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Jennifer Day has been with FNB Community Bank since 1994. She began her employment as a teller and was quickly promoted to the ATM/CIF department. She was again promoted to the position of Personal Banking Assistant, Administrative Assistant and most recently Assistant Vice President. She is directly responsible for opening new customer accounts, taking loan applications, and establishing CDs and IRAs. Jennifer has extensive knowledge of various aspects of banking areas due to her varied positions. She and her son reside in Midwest City.

NMLS # 424159

Phone: 732-4571 ext. 3263

Michelle Devinney
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Michelle Devinney started her career with FNB Community Bank as a part-time teller in 1998. She has held several positions within the Bank. In 2004, she moved with her husband and family to Albuquerque, New Mexico due to military orders. She joined FNB again in October of 2006 as a Personal Banking Officer, and currently serves as Vice President and Branch Manager for the BX/3001 Branches located on Tinker AFB. Mrs. Devinney and the entire FNB Community Bank family are proud sponsors and supporters of Team Tinker and the surrounding community. Michelle currently serves on the Board of Directors for the Midwest City Chamber of Commerce. Michelle is married to retired SMSgt Donnie Devinney. They have a son and a daughter and currently reside in Choctaw OK.

NMLS# 424160

Phone: 739-8782

Angie Dowdy
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Angie Dowdy began her banking career in 1982 and has been with FNB Community Bank since 1986. She started as a Transit Clerk and was promoted to ATM Clerk followed by ATM Coordinator. In that position, she oversaw the ATM/CIF department. She is currently Assistant Vice President in Personal Banking and Assistant Branch Manager at the Douglas Branch. She provides her customer base with knowledge of banking and financial services. Educational experience includes graduating from Del City High School and attending Rose State College and South Community College. Angie is married with two children and a five year old granddaughter.

NMLS# 424161

Phone: 739-8786

Mistie Gibson-Kennedy
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Mistie Gibson-Kennedy joined FNB Community Bank as a Personal Banking Officer in 2004. She is currently a Vice President and Branch Manager at our Choctaw Branch. Garnering banking experience since 1989 in both the local and international realm, her management and lending experience are wonderful additions to FNB. She graduated from Carl Albert High School and has certificates from the Oklahoma Bankers Association in Consumer and Commercial Lending and Management. Her community involvement includes membership in Junior Service League for 8 years and serving on the Board for 4 years. She is a member of the Choctaw Chamber of Commerce and is a graduate of the City of Midwest City Citizens Police Academy. She along with her family reside in the Midwest City area.

NMLS# 424164

Phone: 732-4571 ext. 3605

Briggette Gipson
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Briggette Gipson was born in Oklahoma City, but grew up in Moore, Oklahoma. She moved to Midwest city when she was 16 years old. Briggette graduated from Carl Albert High School and the Mid-Del Technology Center with her cosmetology license in 2007. Briggette started working at FNB in May 2007 as a part-time float teller and converted to full-time in November 2007 at the Del City Branch. She was then promoted to Teller Shift Leader in September 2009 and then transferred to Personal Banking Assistant in May 2011. Following that, she was promoted to Personal Banking Officer in December 2015 and currently serves as Assistant Vice President & Personal Banking Officer for Del City Branch. Briggette says she enjoys working at FNB and will be celebrating 10 years with the bank May 2017. Briggette and her husband, Quinthum Gipson, live in Del City with their two children, Quan & Quamir.

NMLS # 657414

Phone: 405-671-8028

Rebecca Glass
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Rebecca Glass began her banking career with FNB Community Bank in January 2009 as a part time teller. Shortly after, she became a Commercial Teller, followed by Teller Supervisor and eventually Personal Banking Officer. Rebecca is now Assistant Vice President at our Moore location. Additionally, Rebecca is a graduate of the University of Central Oklahoma, where she earned her Bachelor of Science specializing in Organizational Leadership. She is also a graduate of the Oklahoma Bankers Association Consumer Lending School. Rebecca is married to Oklahoma Wedding Photographer Lenin Glass, and they currently reside in Moore, Oklahoma with their boxer pup, Ichi.

NMLS# 1010567

Phone: 405-732-4571 ext 3852

Garrett Hendley
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Garrett Hendley started his career at FNB Community Bank in 2009. He was originally hired on as a part-time Float Teller while he was attending Rose State College. Garrett was a high achieving teller who we rewarded with multiple promotions and career advancements. He has worked as a Commercial Teller, Teller Supervisor, Teller Services Coordinator, Personal Banking Assistant, and currently serves as an Assistant Vice President and Personal Banking Officer at our BX Branch on Tinker Air Force Base. Garrett currently resides in Harrah with his wife Rebecca and their two golden retrievers.

NMLS # 1529623

Phone: 405-739-8781

Alex Lancaster
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Alex began his career in banking with FNB Community Bank, then called First National Bank of Midwest City, in November of 2007.  Alex has held numerous roles within the bank from bank teller to branch management on Tinker AFB, to his current title and position- Vice President Commercial Banking Officer. Alex graduated from Rose State College with his associates in Liberal Studies in 2008 and went on to attend Southern Nazarene University. He has also attended numerous banking schools taught by the OK Bankers Association in OKC and Stillwater: Basic Banking School, Consumer Lending School, Commercial Lending School, Supervisory Bootcamp, Financial Statement Analysis 1&2 - just to name a few.   

Alex is a graduate of the Midwest City Leadership Program and OK Banker’s Leadership Program.  He is a past president of the Del City Chamber of Commerce.  Currently, he sits on the Executive Board for the Choctaw Area Chamber of Commerce. He was appointed to Treasurer for the Choctaw Economic Development Authority in 2016. He also serves as the 2016-2017 President for the Midwest City Rotary Club, Midwest City YMCA Board of Advisors, Board Member for the Eastern Oklahoma County Partnership, and Co-Chairman for the Hardin-Miller Endowment Committee in association with the OK Small Business Development Center at Rose State College.

Alex has been married to his wife Lindsey Lancaster for the last 7 years and they have 1 daughter, Elizabeth Kay Lancaster, who was born September 1st, 2016.  They currently live in Midwest City and attend the Choctaw United Methodist Church.

NMLS# 424165

Phone: 732-4571 ext. 3601

Niki Latschar
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Niki Latschar has lived in Eastern Oklahoma since 1997. She attended Southwestern Oklahoma State University and Rose State College. Niki has been with FNB since 2004. She completed Consumer lending school and is a graduate of the Midwest City Citizens Police Academy and the Midwest City Leadership. Niki is a Vice President Personal Banking officer and Branch Manager at the Douglas branch.

NMLS# 424167

Phone: 739-6558

Lance Lillard
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Lance Lillard is an Assistant Vice President/Assistant Branch Manager of the FNB Community Bank Del City Branch. He started with FNB as a float teller in 2004, after moving to Oklahoma City from Dallas, TX. His hometown is Ada, Oklahoma where he graduated from Ada High School, as well as earned his Bachelor's in Business Management from East Central University. He is a graduate of the Oklahoma Banker's Consumer Lending School. Mr. Lillard resides in downtown Oklahoma City.

NMLS# 424168

Phone: 671-8025

Nick Morgan
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Nick Morgan joined FNB Community Bank in August of 2015 after working for Bank of Oklahoma.  He has since become Assistant Vice President, Personal Banking Officer at our Main Branch in Midwest City.  Nick graduated from Choctaw High School, as well as earned his Bachelor’s in Business Management from Oklahoma Baptist University in Shawnee, Oklahoma.  He resides in Midwest City with his girlfriend Tiffany and dog Tedward.

NMLS# 902085

Phone: 732-4571 ext.3221

Carolyn Panaras
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Carolyn Panaras started with FNB Community Bank in 1986 as a Customer Service Representative. She then moved to the Special Services Department where she was promoted to the supervisor of Customer Service in 1991. Her overall understanding and knowledge of banking is a benefit in her current position as Assistant Vice President and Personal Banking Officer. Carolyn is a life time resident of Del City and was graduated from Del City High School. She completed the OBA Consumer Lending School at Oklahoma State University, and graduated with honors from the Midwest City Leadership Class of 2000. She was chosen as Ambassador of the Year in 2001 for the MWC Chamber of Commerce Ambassadors. Carolyn is married with two children and one grandson.

NMLS# 424169

Phone: 732-4571 ext.3251

Theresa Privette
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Theresa Privette joined FNB Community Bank in 1990. Theresa is a Vice President and a Commercial Banking Officer with experience in all aspects of banking. She was born and raised in Del City, graduating from Del City High School. She earned her Bachelors of Science degree from Southern Nazarene University. She and her husband, have three children and reside in Midwest City.

NMLS# 424170

Phone: 732-4571 ext.3245

Shelly Ramer
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Shelly Ramer has been at the Harrah Branch since August of 2014. She began her career with FNB as a teller, moved to shift leader in May of 2015 and is now the administrative assistant.  She grew up in Harrah, graduating from Harrah High school.   She then went to Oklahoma State University where she earned a bachelor degree in Human Environmental Science.   She has two children, Seth and Jenna and enjoys dirt track racing with her boyfriend, John.  She enjoys photography and scrapbooking and also helping with the Harrah football team at their team dinners and other various activities.

Phone: 405-391-5855

Shawn Reiswig
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Shawn Reiswig brought 15 years of lending and banking experience with him when he began his career at FNB Community Bank in March of 2010. He is currently Assistant Vice President in FNB's Residential Mortgage Department.

Originally from Loyal, OK, a small farming community in Kingfisher County, Shawn graduated from Lomega High School in 1994; continuing his education with a B.S. from The University of Central Oklahoma. He has continued his banking education by completing both Consumer Lending and Intermediate Banking School through the Oklahoma Bankers Association in Oklahoma City. He is an Alumni of both Midwest City (2013) and Moore (2015) Leadership Classes.

Shawn currently resides in Edmond with his daughter Britten, where she attends Grove Valley Elementary, both are members of Acts 2 United Methodist Church.

NMLS # 424171

Phone: 732-4571 ext. 3240

Cheryl Ritterskamp
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Cheryl Ritterskamp is a lifetime resident of Midwest City and graduated from Midwest City High School in 1972. She continued her education at Rose State College for two years. She truly has worked her way up through the rank of FNB Community Bank. She began as a trainee in the Proof Department in 1972. From there she advanced to a full-time position in the Imprinting Department through 1973-1974 when FNB printed their own checks. In 1975 she moved upstairs as a credit clerk and then was promoted to the Loan Department. She began her tenure as a Loan Secretary then moved on to the position of Administrative Assistant helping customers with their loan needs. She was named Consumer Loan Officer in 1994 and promoted to her current position as Personal Banking Officer in March of 1995. Cheryl was promoted to Vice President in 2007. She and her husband John live in Midwest City and have two children, Nicole and Hunter.

NMLS# 424172

Phone: 732-4571 ext.3212

Jim Segerstrom
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Jim Segerstrom joined FNB Community Bank as Vice President & Commercial Banking Officer in April 2013. He brought with him 25 years of sales and service experience in the financial services industry. Jim is a graduate of the University of North Texas where he earned a Bachelor of Business Administration degree with a major in Marketing. He is also a graduate of the Oklahoma Bankers Association Commercial Lending School and is active in the Greater Oklahoma City Chamber of Commerce and the Commercial Real Estate Council. Jim and his wife Julie have a daughter and son and reside in Oklahoma City.

NMLS#1061396

Phone: 739-8780

Kelly Stanford
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Kelly Stanford joined FNB Community Bank in January 1995. She started as a part-time teller and was subsequently promoted to the Shift Leader position. She later became the Motor Bank Supervisor. Kelly moved to the main bank as a Personal Banking Assistant. She then went to the commercial banking area, as a Commercial Banking assistant followed by Commercial Banking Officer and currently is Assistant Vice President/Commercial Services Officer. Kelly's experience in various areas of the bank provides her customers with unparalleled customer service. She attended Rose State College and OBA Consumer Lending School. She is married with three children and three grandchildren and lives in Eastern Oklahoma County.

NMLS# 509670

Phone: 732-4571 ext. 3273

Sally Stone
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Sally moved to Midwest City as an infant when her grandfather, Russell Showalter, was asked by HB Atkinson to help start Midwest City. She graduated from Midwest City High School in 1974 and attended Rose State College for a short time before getting married. She began her financial career at Associates Financial Services in Midwest City from 1975-1977 and then went to work for American National Bank as an Administrative Assistant in Consumer Loans for 8 years. After 24 years of traveling and raising their daughter, Elizabeth, Sally and her husband returned home to Midwest City. Sally started her career at FNB Community Bank in 2012 as a part time float teller, then moved up to full time as the vault teller. She currently serves as Assistant Vice President,Teller Services Coordinator. Sally is a past member of the Junior Service League of Midwest City and has also graduated from the Midwest City Citizens Police Academy.

Phone: 405-732-4571 ext. 3099

Terri Strong
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Terri Strong joined FNB Community Bank in April of 1996. She started in the Call Center and then promoted to Personal Banking Assistant. Terri moved to the Commercial Department and is now a Commercial Services Officer. She received her Associate Degree in Sociology from Rose State College and has lived in the Midwest City, Del City community for more than 35 years. Terri also serves her community by serving on the board of the Mid Del Food Pantry.

Phone: 732-4571 ext. 3224

Steve Thomas
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Steve Thomas is currently Assistant Vice President and Manages the Banks Solution Center. He began his employment in 1998. He has served on the Board of Directors for the Tinker Area YMCA, is a Citizen's Police Academy alumni, and is involved with the American Cancer Society's Relay for Life. Steve has been a lifetime resident of the Mid-Del area and attended various schools in the Mid-Del area before graduating and attending college at Oklahoma State University. Steve was very active in several different organizations at OSU while receiving his BS degree. He is also a certified compliance officer.

NMLS # 424176

Phone: 732-4571 ext. 3222

Jeff Weber
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Jeff Weber started his banking career in 2009, but joined FNB Community Bank in June 2012 as a Teller at the Moore Branch.  Then, he transferred to the BX branch to learn new accounts.  He was promoted to Personal Banking Assistant, where he also received BSA training. Now, he serves as an Assistant Vice President and eCommerce Specialist.  He was born in Oklahoma City, and raised in Moore.  He graduated from Bishop McGuinness High School in 2007.  He currently resides in Edmond, Oklahoma.

NMLS # 1394857

Phone: 405-732-4571 ext. 3292