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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.

Jackson-Metro Division

Curt Gabardi, President & CEO

Curtis J. Gabardi
President & CEO

A well respected and experienced regional banking executive, Curt has served in top leadership positions over the past three decades. This rich background led him to start Metropolitan Bank In 2008; it grew steadily with locations in Mississippi, Memphis and Nashville, TN.  Curt was named President and Chief Banking Officer of Renasant Bank following Renasant’s acquisition of Metropolitan Bank in 2017. Curt joined First Commercial May 1 of 2020, and became President & CEO on May 1, 2021.

Rick Adams, Chief Financial & Administrative Officer

Rick Adams

Rick Adams
Chief Financial & Administrative Officer

Rick was a founding member of Metropolitan Bank where he served in a number of key capacities, including Chief Operating Officer, Chief Administrative Officer, and ultimately, Chief Revenue Officer. His experience also includes positions at Deposit Guaranty, and Union Planters/Regions. Most recently, Rick was President of Commercial Business Lines at Renasant Bank. The father of two grown children, Rick and his wife make their home in Madison, Mississippi.

Evelyn A. Agent, Senior Managing Director, Trust Officer

Evelyn A. Agent
Senior Managing Director, Trust Officer

Evelyn is Senior Managing Director 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.

Bo Bourne, Senior Managing Director

Bo Bourne
Senior Managing Director

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.

John Howie, Chief Commercial Banking Officer

John Howie photo

John S. Howie, Jr.
Chief Commercial Banking Officer

John has over 30 years of banking experience. He began his career with First Tennessee in Memphis. Having served in various roles with Trustmark National Bank over the past 25 years, John most recently was Senior Vice President, Corporate Lending. He is an acknowledged leader in Commercial Banking throughout the Southeast and has achieved great success as a producer, manager, and mentor to other commercial lenders. John joined First Commercial in 2020.

Sam Lane, Senior Managing Director

Sam Lane
Senior Managing Director

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.

Joseph H. Lutz, Chief Credit Officer

Joseph H. Lutz
Chief Credit Officer

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.

June Owens, Senior Managing Director

June Owens
Senior Managing Director

June began her career as an auditor with KPMG in 1994 and later transitioned to the commercial banking field with Wells Fargo Bank. In 2004 she joined Union Planters Bank and in 2007 was one of the founding members of Metropolitan Bank, serving as commercial relationship manager. During her later years at Metropolitan Bank, and while at Renasant Bank, she focused on commercial real estate financing. June joined First Commercial Bank in 2020.

Elisa T. Phillips, Senior Managing Director

Elisa T. Phillips
Senior Managing Director

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.

Brian Rippee, Chief Private Client Officer

Brian Rippee
Chief Private Client Officer

Brian has more than 30 years of banking experience. He began his career with Union Planters in 1989, and started his focus on private banking in 1994 with Deposit Guaranty. In 2007 Brian was one of the founding members of Metropolitan Bank, serving as President of Private Client. During the transition of the merger with Metropolitan and Renasant Banks, Brian was named the President of Private Client. Brian joined First Commercial Bank in 2020.

Frances Ware, Senior Managing Director

Frances Ware
Senior Managing Director

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.

Pam Ware, Chief Operations Officer

Pam Ware
Chief Operations Officer

Pam began her career with Union Planters Bank in the Retail Leadership Development Program. She spent the majority of her career as the Chief Operations Officer with Metropolitan Bank, focusing on deposit operations, digital banking, loan operations, information technology, vendor management, and compliance. Most recently Pam served as the Director of Operational Process and Efficiencies for Renasant Bank. She joined First Commercial Bank in 2020.

Nathan Best, Managing Director

Nathan Best
Managing Director

Nathan earned his Bachelor of Business Administration in Marketing Communications from the University of Mississippi. His primary responsibilities include servicing commercial loan requests, business development, and credit analysis. Previously Nathan spent six years with Parkway Properties focusing on property management, landlord leasing representation, business development, and construction management. He joined First Commercial Bank in 2013.

Dawson Graves, Managing Director

Dawson Graves
Managing Director

Dawson joined First Commercial Bank in June of 2015 as a Credit Analyst and now serves as a Loan Officer. Prior to joining First Commercial Bank, Dawson earned his Bachelor of Business Administration from Mississippi State University. Most recently, Dawson earned his MBA from Millsaps College.

Hank Waterer, Managing Director

Hank Waterer
Managing Director

Hank earned his Bachelor of Business Administration degree from Mississippi State University, and received his MBA in Finance from Mississippi College. He began his banking career in Trustmark National Bank’s management development program. Upon completion, he was a Relationship Manager in Trustmark’s Private Banking group. Hank joined First Commercial Bank in 2020.

Christina Osborne, Compliance Officer

Christina Osborne
Compliance 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.

Deonté Sanders, Managing Director, Trust Officer

Deonté Sanders
Managing Director, Trust Officer

Deonté joined First Commercial Bank in October of 2018, having previously worked as a Trust Officer at Pinnacle Trust, and as a Trust Account Administrator at Trustmark. Deonté earned his Bachelor of Accounting and his MBA from Belhaven University. Since joining First Commercial Bank, Deonté has provided great depth in our Trust Department, and has developed strong relationships with many of our Trust customers.

North Mississippi Division

Eric Hanbury, Senior Managing Director & North Mississippi Regional President

Eric Hanbury
Senior Managing Director & North Mississippi Regional President

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.

Lynn Carson, Senior Managing Director

W. Lynn Carson
Senior Managing Director

Prior to assuming his regional responsibility in 2020, Lynn served as FCB’s Oxford Market President. Before that he was Executive Vice President with Bank3. His career also includes senior level positions with SunTrust Bank, Metropolitan Bank, and Magna Bank. Lynn has a wealth of knowledge and experience in Commercial Lending.

DeSoto County Market

Justin M. Bobo, DeSoto County President

Justin Bobo

Justin M. Bobo
DeSoto County President

Justin was named DeSoto County President in July, 2021. A gradate of Mississippi State University and the Graduate School of Banking at LSU, he has been in the banking industry over 20 years. Justin joined DeSoto County Bank in 2007, which then merged with First Commercial Bank in 2015. In addition to leading FCB's Southaven team, he is one of FCB's Commercial Banking specialists, and focuses on residential construction lending as well as small business banking.

H. Allen Whitsitt III, Senior Managing Director

Allen Whitsitt

H. Allen Whitsitt III
Senior Managing Director

Allen has nearly four decades 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. He was Senior Lending Officer for two de novo banks, Independent Bank in Memphis, TN, and DeSoto County Bank in Southaven. Allen became part of the FCB team when DeSoto County Bank merged with First Commercial Bank in 2015.  Currently he is Senior Managing Director in our Southaven office.

Oxford Market

Lucius Brock, Senior Managing Director

Lucius Brock photo

Lucius Brock
Senior Managing Director

Lucius began his career as an examiner for the Department of Banking prior to joining First Commercial Bank in 2005. He subsequently earned his MBA from the University of Mississippi and is a graduate of the LSU School of Banking. He continued his banking career with Oxford University Bank and Renasant Bank prior to rejoining the First Commercial team in 2020.

Luke Harris, Managing Director

Luke Harris

Luke Harris
Managing Director

A native of Memphis, Tennessee, Luke earned his Bachelor of Business Administration from the University of Mississippi. His career includes several years with Citizens National Bank in the Meridian, DeSoto County, and Jackson markets as a Credit Analyst and then as a Commercial Banker. Most recently he served as a commercial relationship officer with Renasant Bank in Oxford. Luke joined First Commercial Bank in 2020.

Tennessee Division

Memphis Market

Melissa Dambro, Chief Talent Officer

Melissa Dambro

Melissa Dambro
Chief Talent Officer

Melissa has served in executive administrative support roles for over 25 years, primarily in the banking industry. In 2007, she was one of the founding members of Metropolitan Bank as its Senior Group Administrative Officer and Corporate Secretary. In 2015, she became Metropolitan’s Senior Managing Director of Human Resources. Most recently, she served as the Human Resources Representative for Renasant Bank’s Tennessee and North Mississippi Commercial and Retail Banking Divisions. Melissa received her Bachelor of Arts degree in Technical Writing from the University of Memphis.

Jon L. Bragg, Senior Managing Director

jon bragg

Jon Bragg
Senior Managing Director

Jon Bragg joined First Commercial Bank as a Senior Vice President in our DeSoto County office. He is a native of Columbus, Mississippi, and a graduate of Delta State University where he earned a degree in Business Administration. Since 2006, Jon has worked in banking in DeSoto County. Prior to joining First Commercial Bank, he served as a Medical and Private Client Relationship Manager for First Horizon Bank.

Kera M. Cooper, Senior Managing Director

Kera M. Cooper
Senior Managing Director

Kera began her banking career in 2006. She left banking in 2009 to work for Northwestern Mutual. In 2011, she returned to the industry with Metropolitan Bank. Prior to joining First Commercial Bank in 2020, most recently Cooper was Senior Managing Director, Private Banking with Renasant Bank in Memphis.

Sarah C. Haney, Associate Managing Director

Sarah C. Haney
Associate Managing Director

Sarah is a graduate of the University of Tulsa, where she earned a degree in marketing. She joined Metropolitan Bank in Memphis in 2012. Prior to coming to First Commercial Bank in 2020, most recently she managed the Private Client offices and was a Private Client lender with Renasant Bank in Memphis.

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