Robert H. Croak, Chairman Emeritus of the Board of FNB Community Bank, is the second generation of the Croak family to be involved with the banking industry.
He began his banking career at American State Bank in 1954. In 1962, the name of the bank was changed to First National Bank of Midwest City by his father, Henry Croak. Robert continued to work in various positions at the bank gaining a solid base of knowledge and experience that would help him guide the bank into the new millennium.
He graduated from Midwest City High School in 1959 and continued his education by receiving his Bachelor of Arts Finance/Commercial Law degree from the University of Oklahoma.
Mr. Croak joined the board in 1971. He has also received numerous certifications and awards from various financial based schools and organizations. Robert takes a very active stance in many Mid-Del civic organizations. He has been a member of the Midwest City Rotary since 1963 and has served as a board member for Midwest City Rotary, Midwest City Chamber of Commerce, Wickline United Methodist Church, Tinker YMCA and currently serves as a Board of Governor of the Rose State College Foundation. He was appointed as a Regent for Rose State College in 1993 by the Governor of Oklahoma and served 2 terms as Chairman of the Rose State College Board of Regents.
He also served on the Board of Directors of Bankers Bank of Oklahoma for 6 years. The Oklahoma Bankers Association recognized Robert for "50 years in Oklahoma Banking" in May 2004. In 2022, Robert was part of the fourth class inducted into the Oklahoma Bankers Hall of Fame after 68 years of employment at FNB Community Bank.
Robert and his wife, Linda, were married for 59 years before her passing in October 2022. They have three children, William H. Croak, John R. Croak and Shelly Croak-Yocham and are very proud to have six grandchildren and seven great-grandchildren.
W.H. "Bill" Croak has been around FNB Community Bank most of his life. He is the third generation of Croaks to be employed by the bank that his grandfather, Henry, purchased in 1954. He was born and raised in Midwest City and graduated from Midwest City High School in 1982. Bill attended The University of Oklahoma where he was a member of Delta Upsilon Fraternity. He earned his Bachelor of Science in 1989 from The University of Central Oklahoma.
He attended Oklahoma Bankers Association Banking School at Oklahoma State University, ABA Bank Marketing Schools at The University of Houston and The University of Wisconsin.
After a variety of positions at FNB starting in November of 1980, Bill was named Bank President & CEO and Vice Chairman of the FNB Community Bank Board in 2012. He was promoted to Chairman of the Board January 1, 2025. He is on the Board of the Community Bankers Association of Oklahoma. Additonally, he is past Chairman and Board Member of Bankers Bank of Oklahoma. Bill serves as the Federal Delegate for Oklahoma for the ICBA (Independent Community Bankers of America). He is a Board Member for the National Organization - Association of American Military Banks (AMBA) and the Armed Forced Financial Network (AFFN).
He is deeply involved in his surrounding communities. Bill is a Regent at Rose State College and has recently served as the Chairman of the Board of Regents. He was named an Honorary Commander of the 552d Air Control Wing at Tinker Air Force Base. He was a member of the Midwest City Chamber of Commerce Leadership Class of 1990. He also served as 1996 Midwest City, OK Chamber of Commerce Chairman of the Board. Other civic duties include past Chairman of the Rose State College Foundation, Inc., Past Board Member of the Mid-Del Schools Foundation, Inc. and active memberships in the Oklahoma City, Del City, Harrah, Moore and Choctaw Chambers of Commerce. He is a member of the Bank Marketing Association, Oklahoma Bankers Association and American Marketing Association. He is a past member of the Oklahoma City Men's Dinner Club.
He and his wife Sherri have three children, two son-in-laws, one daughter-in-law, seven grandchildren, and reside in Eastern Oklahoma County.
NMLS# 1243674
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. In 2012, John was named Executive Vice President, Sales Division Manager, and Vice Chairman of the Board of FNB Community Bank. John was promoted to President and CEO on January 1, 2025.
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: 405-732-4571 ext. 3250
Timothy T. Ballard has been in banking since 1978 and with FNB Community Bank since 1990. He is currently Executive Vice President, Chief Financial Officer, Operations Division Manager, serving on the President's Advisory Committee and on the Board of Directors for FNB. Mr. Ballard joined the board of directors in 2007. He earned a Banking and Finance degree from Rose State College, and a Bachelor of Arts degree in the Management of Human Resources as well as a Master of Science in Management degree from Southern Nazarene University. Mr. Ballard has contributed to the community by teaching several business and legal courses as an Adjunct Professor at Rose State College and served as reserve police officer for 14 years for the City of Del City. Currently, he serves as a commissioner on the Del City Civil Service Commission. He and his family reside in Eastern Oklahoma County.
Phone: 405-732-4571 ext. 3266
Joe Koster has 37 years of banking experience and has been with FNB Community Bank since 1995. Joe leads the Central Credit Division as Senior Vice President and Lending Compliance Officer. In addition to serving as the administrator of the loan application processing software, he is also responsible for consumer, residential real estate, and commercial loan underwriting. Joe has 4 daughters and 4 grandchildren. He and his wife live in Midwest City.
NMLS# 1534770
Phone: 405-732-4571 ext. 3298
Julie (Croak) Waddle is part of the fourth generation of Croaks to have worked at FNB Community Bank. Julie 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 was elected to the FNB Board of Directors in April 2023 and promoted to Vice President, Marketing Officer on January 1, 2024. Julie elevated to Senior Vice President Marketing Officer on January 1, 2025.
Julie graduated from The University of Oklahoma's Price College of Business with dual majors in Marketing and Management with special distinction. At OU, Julie was a member of the Alpha Phi sorority, the President's Leadership Class, and the Campus Activities Council Executive Committee. She also volunteered with Big Brothers Big Sisters while in school.
Julie attended and graduated from the Oklahoma Bankers Association's Basic Banking School in 2016 and the OBA's Intermediate Banking School in 2017. She graduated from the OBA Emerging Leaders Academy in 2018. Currently, Julie annually teaches at the Oklahoma Bankers Association's Basic Banking & Intermediate Schools. She is also a member of the Women in Banking committee for the Oklahoma Bankers Association. In 2022, Julie graduated from the Graduate School of Banking at Colorado as Class Representative after receiving a 3-year Future Leader scholarship.
Julie is a NextGen Under 30 in Oklahoma winner and a 2022 40 Under 40 Emerging Community Bank Leaders recipient from the Independent Community Bankers of America.
Julie currently serves on the Board of Directors for the Mid-Del Food Pantry, Board of Governors for the Rose State College Foundation, and Board of Directors for the Midwest City Chamber of Commerce. She is a past board member for Mid-Del Group Home, past President of the Junior Service League of Midwest City, and past Chair of the Board for the Mid-Del Food Pantry.
Julie and her husband, Austin, reside in Midwest City with their sons, Noah & Dawson.
Phone: 405-732-4571 ext. 3990
Kyle W. Croak is part of the fourth-generation of the Croak family to work at FNB Community Bank. Kyle 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. In December 2018, Kyle was promoted to Vice President, Commercial Banking Officer. Kyle was elected to the FNB Board of Directors in April 2023. Today, he serves as Senior Vice President/Consumer Sales and Service Division.
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. In 2018, Kyle graduated from the Graduate School of Banking at Colorado.
Kyle 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. Additionally, Kyle is a Trustee on the Mid-Del Public School Foundation Board and board member for the Choctaw Chamber of Commerce.
Kyle currently resides in Choctaw with his wife, Meredith and their children, Mason and Sophie. They attend Choctaw United Methodist Church.
NMLS# 1284931
Phone: 405-732-4571 ext. 3254
Melissa Connel began her career at FNB in 1980 on a part-time basis in the Proof Department then went on to work as a paying and receiving teller, new accounts counselor, marketing assistant and is currently a Vice President and the executive secretary to the Chairman of the Board and senior management. She graduated from Del City High School in 1979. She attended Rose State College and the University of Central Oklahoma where she received a Bachelor's degree in secondary education with an emphasis in English. She is involved in church and civic activities in the community. She and her husband have two grown children and reside in Del City.
Phone: 405-732.4571 ext. 3236
Camille Phillips joined FNB Community Bank in 2005 as a Personal Banking Assistant and is now Assistant Vice President, Marketing and Sales. She attended Rose State College and OSU OBA Banking Basics and is a graduate of Leadership Midwest City and the Midwest City Citizens Police Academy. Camille and her husband have three daughters, three granddaughters, two grandsons, and resides in Midwest City.
Phone: 405-732-4571 ext. 3237