The First Commercial Bank team is unmatched when it comes to local understanding and business banking acumen. To learn more about any member of the distinguished FCB team, simply click on that individual’s name. Each officer listed below and our strong support staff are here to provide you with the best banking experience.
Alan H. Walters
President and CEO
Alan has over 38 years of diverse experience in the banking industry, including assignments and management positions in corporate lending, credit administration, cash management, international banking, funds management and mortgage banking. He has been the President and CEO of FCB since its founding in 2000.
Joseph H. Lutz
Senior Vice President - Credit Operations
Joe has over 40 years of lending experience. For eight years he served as a credit officer for Deposit Guaranty where he worked with the business and professional market segment and with the community bank division. Joe joined FCB in 2000.
Senior Vice President - Finance and Operations
Robert brought 13 years of banking experience to First Commercial, ten of those as CFO with start-up banks. First Commercial is the third start-up bank with which Robert has been associated. Robert has been with FCB since its opening in 2000.
Senior Vice President - Client Development
Sam has more than 40 years of banking experience which included 17 years with Deposit Guaranty. Sam has been with FCB since its founding in 2000. His emphasis has been in middle market commercial and corporate lending in the Jackson metro area and throughout the state of Mississippi.
Senior Vice President - Private Banking
Frances joined the banking industry in 1983 with Deposit Guaranty National Bank. Her last seven years there were spent in Real Estate Lending. She also spent three and a half years in the Private Banking sector with BancorpSouth. Frances joined FCB in 2000.
Senior Vice President - Client Development
Bo has more than 30 years of banking experience which included Bank of America,Trustmark Bank and, Southtrust Bank where he served as CEO of central Mississippi operations before joining FCB in 2006. His background is particularly strong in corporate, industrial and commercial real estate lending. Bo is focused on developing new corporate account and private banking relationships for FCB.
Senior Vice President - Lending Services
Bob has over 38 years of experience in bank lending, having begun his career with The Mississippi Bank as a credit analyst in 1978. Since then, he has assumed increasing levels of credit management responsibility, including manager of corporate and business banking and serving as group credit director. Bob's focus with FCB is on lending services tailored to the small business, corporate and professional sectors. Bob joined FCB in 2006.
Elisa T. Phillips
Vice President - Loan Officer
Elisa began her banking career in Washington D.C. in 1989, and ascended through the ranks in Jackson commercial lending as senior credit analyst/credit officer, vice president & manager of small business private banking, and vice president & manager, corporate banking and new business development. Elisa joined FCB in 2006, and specializes in lending services tailored to the small business, corporate and professional sectors.
Assistant Vice President - Loan Officer
Christina graduated from Mississippi State University with a Bachelor of Business Administration degree in Banking and Finance. She received Summa Cum Laude honors and was a Young Bankers Orrin Swayze Scholastic Awards Finalist. Christina joined First Commercial Bank in 2010.
Evelyn A. Agent
Senior Vice President - Trust Services
Evelyn is Senior Vice President and Trust Officer at First Commercial Bank. She has more than 20 years in banking and finance including 12 years with Citizens National Bank serving in various Trust and Investment management roles. Evelyn joined First Commercial Bank in 2014 and is focused on managing trust services in the areas of account administration, relationship management and business development. She enjoys working closely with clients and prides herself on building strong client relationships.
Nathan joined First Commercial in 2013. His primary responsibilities include servicing commercial loan requests, business development, and credit analysis. Prior to joining First Commercial Bank, Nathan spent six years with Parkway Properties, focusing on property management, landlord leasing representation, business development, and construction management. Nathan is a graduate of University of Mississippi with a B.B.A. in Marketing Communications.
North Mississippi Division
North Mississippi Regional Executive
Eric joined First Commercial Bank in 2017 to open our Loan Production Office in Oxford, Mississippi. Until February 2019, he served as Oxford Market President. Eric now serves as First Commercial Bank’s North Mississippi Regional Executive with management responsibilities in the Oxford Market as well as the DeSoto County Market. His previous banking experience includes positions at M&F Bank - Oxford Market President and Chief Credit Officer, as well as Executive Vice President - Corporate Banking at Renasant Bank in the Jackson metro area.
DeSoto County Market
DeSoto Market President
Kyle McCoy joined First Commercial Bank as DeSoto County market president during the third quarter of 2018. Most recently Kyle served as market president with another DeSoto County bank for 18 months, and as a commercial lender there for roughly three years prior. Before that he handled loan underwriting for Memphis-headquartered ServiceMaster’s franchise business. He began his career in 2005 with Sycamore Bank in DeSoto County. In addition to commercial real estate lending, Kyle’s experience also includes C&I (commercial & industrial) lending and tailoring loans and other services to the needs of DeSoto area small businesses.
H. Allen Whitsitt III
Executive Vice President, Commercial Lender
Allen has 34 years of banking experience handling commercial account relationships. Starting in small business lending, he advanced to the position of division manager, responsible for commercial lending, small business lending, and private banking. For the past 15 years he has served as Senior Lending Officer for two de novo banks, Independent Bank in Memphis, TN, and DeSoto County Bank in Horn Lake, MS. As the Senior Lending Officer for Desoto County, Allen’s focus is on growing the bank’s commercial and real estate lending presence in that market.
Justin M. Bobo
Senior Vice President, Commercial Banking
Justin Bobo began his banking career in 2000 in Memphis, TN. In 2004 he moved to Olive Branch to work for Community Bank as a Vice President until he was hired by DeSoto County Bank in 2007. Today, Mr. Bobo serves as Senior Vice President of Commercial Banking with First Commercial Bank. Mr. Bobo is a graduate of the MS School of Banking at Ole Miss and is currently enrolled at the Graduate School of Banking at LSU.
Senior Vice President, Commercial Banking
Richard (Ricky) H. Dilley began his banking career in 1978 in Forest, MS. with Community Bank. Ricky moved to Southaven, MS in 1987 to open the first branch for Renasant Bank. DeSoto County Bank welcomed Mr. Dilley as Senior Vice President/Commercial Lender in December 2012. Mr. Dilley brings his many years of commercial lending experience to his position with First Commercial Bank.
Corey J. Porta
Vice President, Commercial Lender
Corey Porta joined First Commercial Bank as Vice President/Commercial Lender in our Southaven branch in 2018 and brings with him a vast knowledge in commercial credit, commercial lending, portfolio management and underwriting. Following his graduation from Lock Haven University, Corey began his banking career as a Commercial Credit Analyst in Lancaster, Pennsylvania. Corey then earned his Master of Business Administration degree from Lebanon Valley College and, in 2015, he headed south where he served as a Business Relationship Manager in Nashville and an Assistant Vice President/Business Relationship Manager in Memphis. Prior to joining First Commercial Bank, Corey served as Assistant Vice President/Commercial Loan Officer at Bank Tennessee in Memphis.
Vice President & Branch Manager
Allen joined DeSoto County Bank in 2014. He brings 30 years of Consumer/Mortgage Lending and Management experience. Having been a resident in the DeSoto County area for 25 years, Allen is a great fit in our Branch Manager/Lender position at the Horn Lake Branch. Allen maintains this position as a part of the First Commercial Bank team.
Kristin Follis joined DeSoto County Bank in 2011 as a Branch Manager/Lender at the Southaven location. Kristin brings a wealth of banking knowledge to the bank having started her banking career as a Teller/CSR and moving up the ranks over the last 15 years. She also has become a mortgage specialist since joining DeSoto County Bank. She is now happy to bring those same skills to the First Commercial Bank team.
W. Lynn Carson
Oxford Market President
Lynn Carson joined First Commercial Bank in 2019 as Oxford Market President. He came to us from Bank3, where he served as Executive Vice President. Lynn’s prior banking experience includes serving as Senior Vice President - Commercial Banking at SunTrust Bank, as Senior Managing Director/Senior Lending Director at Metropolitan Bank, and as Senior Vice President/Division Manager at Magna Bank. Lynn brings to First Commercial Bank a wealth of knowledge and experience in Commercial Lending.