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Management Team

Senior Management

Joseph D. Borgerding

President and Chief Executive Officer

Geoffrey C. Warner

Executive Vice President/ Chief Financial Officer

Lynn K. Shekleton

Executive Vice President/ Human Resources and Branch Administration

Rhonda W. Kincer

Senior Vice President/ Operations and Security Officer

Cetric A. Gayles

Senior Vice President/ Senior Loan Officer

Kristie Martin-Wallace

Senior Vice President/ Compliance and Risk Management

Online Banking

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Notice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands, Citizens Bank & Trust Company suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. Instead, please contact Citizens Bank & Trust Company directly at your nearest bank branch.