Jeff Arvin joined FNB Community Bank as Vice President/Commercial Banking Officer in March 2007. He has over 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 President of the board of Moore Youth and Family Services, Chairman of the Board for the City of Moore Parks Board, and Vice-Chairman of the board of Crime Stoppers of Moore. He is also past Chair of the Moore Chamber of Commerce board and member of the Moore Rotary Club.
Phone: 405-732-4571 ext. 3851
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.
Tracy Burton began her career with FNB Community Bank in 1997. She started as a Loan Processor in the Mortgage Department. Tracy moved to the Choctaw Branch in 2005 as a Personal Banking Assistant followed by Personal Banking Officer then Assistant Vice President / Assistant Branch Manager. She is currently Vice President / Branch Manager of the Choctaw Branch. She graduated from Consumer Lending School at Oklahoma State University in Stillwater, OK. Tracy previously served as Treasurer for the Choctaw-Nicoma Park Lions Club and served as a Reserve Police Officer for the City of Choctaw for 8 years. Tracy and her husband Chuck reside in Choctaw.
Phone: 405-732-4571 ext. 3605
Matt Conover joined FNB Community Bank in 2012 as a float teller and is now an Assistant Vice President and Assistant Branch Manager of our Moore Branch. He 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. In addition, he is a graduate of the Oklahoma Banker’s Association Consumer Lending School. Matt has been a lifelong resident of Oklahoma and currently resides in Midwest City.
John R. Croak has been around FNB most of his life as well. 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 FNB Community Bank. 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.
Phone: 405-732-4571 ext. 3250
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 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 and Board of Governors for the Rose State College Foundation. 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 son, Noah, and their dogs, Boomer and Boz.
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 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.
Kyle currently resides in Choctaw with his wife, Meredith and their son, Mason. They attend Choctaw United Methodist Church.
Phone: 405-732-4571 ext. 3254
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: 405-732-4571 ext. 3263
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 Branch 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 is a past member of 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.
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.
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 celebrated 15 years in 2022.
Sarah Graham started her career in banking at FNB Community Bank as a part time Float Teller in 2016. Since then she has worked as a Commercial Teller and Assistant Vice President, Commercial Banking Assistant. In 2021, Sarah was promoted to Commercial Services Officer.
Sarah graduated from Carl Albert High School and continued her education at Rose State College, where she earned a degree in Criminal Justice. In 2018, Sarah graduated from the Oklahoma Bankers Associations Basic Banking School.
Sarah is an active member of the Junior Service League of Midwest City, a board member for the Midwest City YMCA and served as President of her Leadership Class with the Midwest City Chamber of Commerce. Sarah and her husband, Cody, reside in Midwest City with their two dogs, Gibson and Henry.
Phone: 405-732-4571 ext. 3253
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 and his wife, Lindsey, have three kids; Elizabeth, Henry, and Charlotte. They currently reside in eastern Oklahoma County.
Phone: 405-732-4571 ext. 3601
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.
Lance Lillard is a Vice President and 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 and Commercial Lending School. Mr. Lillard resides in downtown Oklahoma City.
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 dog Tedward.
Phone: 405-732-4571 ext. 3221
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.
Phone: 405-732-4571 ext.3251
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.
Phone: 405-732-4571 ext.3245
Jessica was born in Oklahoma City and currently resides in Midwest City. She is a graduate of Del City High School and in 2014 received her cosmetology license from Mid-Del Technology Center. She began as a part-time teller at the FNB Del City location in 2016, then became a full-time teller in 2017. She was promoted to the teller supervisor of the Del City Motorbank in 2020. In March of 2021, she moved into Personal Banking and was promoted to Personal Banking Officer in December 2021. Jessica lives with her husband Jose, and their two children, Isaac and Isabella.
Phone: 405-732-4571 ext.4204
Shawn Reiswig first became involved in residential lending in 1999 before beginning his career at FNB Community Bank in March of 2010. Currently, he is a Vice President at FNB and specializes in secondary market residential lending. Shawn has over 21 years of lending experience specializing in: Fannie Mae, Freddie Mac, VA and FHA lending.
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 serves on the advisory board for Mortgage Investment Services in Shawnee, Kansas.
Shawn currently resides in NW Edmond with wife Katy, daughters Britten and Emily.
Phone: 405-732-4571 ext. 3240
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. Currently, she also serves as an Assistant Branch Manager She and her husband John have two children, Nicole and Hunter, and three grandchildren.
Phone: 405-732-4571 ext.3212
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 grown daughter and son and reside in north Edmond.
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 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.
Phone: 405-732-4571 ext. 3273
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.
Phone: 405-732-4571 ext. 3222
Darrell Titsworth began his banking career with FNB Community Bank in January of 2016. Originally hired on as a part-time teller, he has worked as a Teller Supervisor, Personal Banking Assistant, and now currently serves as Assistant Vice President and a Personal Banking Officer at FNB’s Choctaw Branch. Darrell graduated from Harrah High School in 2015. He’s also completed Basic Banking School through the Oklahoma Bankers Association in Oklahoma City. He currently resides in Midwest City with his dog, Minnie.
Phone: 405-390-3990 or 405-732-7571 ext. 3604
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.
Phone: 405-732-4571 ext. 3292
Sarah West joined FNB Community Bank in 2014 as a customer service representative. In December 2018, Sarah was promoted to an Assistant Vice President in the Solution Center, working with all departments of the bank. She was born in Midwest City, raised in Harrah, then moved back to Midwest City while in college. She graduated with a Bachelors of Liberal Arts degree in History Education from the University of Central Oklahoma.
Phone: 405-732-4571 ext. 3244