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Directors and Management 

 

Integrity and Experience 

Marine Directors are prominent leaders and residents of Vero Beach.  The bankers of Marine Bank & Trust have the highest integrity and are inherently compelled to be very responsive to customer requests. Marine's management team possess many years of diversified banking experience with a solid and proven track record.

Board of Directors

 


Penny
 

William J. Penney

President, CEO, & Chairman of the Board
Mr. Penney has been a commercial banker for over 32 years.  He is a native Floridian and a 26-year resident of Vero Beach.  He has served as chief lending officer in four different banking institutions over the past 22 years.  His specialty is providing commercial banking services to business owners and real estate developers and assisting them in growing their businesses profitably.  During his career he has developed talented and successful bankers.  Mr. Penney was the Executive Vice President and Chief Lending Officer at Marine Bank & Trust Company since March 2004. In February 2010 Mr. Penney was promoted to President and Chief Executive Officer to replace the retiring C. Andrew Lawrence.  Mr. Penney is actively involved on several community boards including the United Way of Indian River County, the YMCA of the Treasure Coast, the Indian River County Economic Development Council and the Indian River County Chamber of Commerce. 

Rames
 
 

Donald L. Ames, M.D.

Director
Dr. Ames’ illustrious medical career spans four decades.  He is founder and managing partner of the doctor’s offices formerly known as Indian River Medical Center and was a medical consultant for over 39 years for the Los Angeles Dodgers. He served several years on the Board of Directors of Indian River Memorial Hospital and was the board’s representative to the hospital finance committee.  He was the first surgeon in Florida to perform arthroscopic surgery and is a significant contributor to the local community.

Rusty
 
 

Wilton R. (Rusty) Banack

Director
Mr. Banack is a lifetime resident of Vero Beach.  He is a graduate of Vero Beach High School and Florida Southern College.  He is president of Quality Caretaking of Indian River, Inc. and owner/VP of Quality Fruit Packers of Indian River, Inc.  He is a member of the Florida Southern College Citrus and Horticultural Planning Advisory Committee and serves as co-chair of the United Way Agribusiness Division and alternate director of the Indian River Citrus League.

Croom
 
 

David S. Croom

Director
Mr. Croom has been in the construction industry for over 38 years and is the president of Croom Construction Company of Vero Beach, which was founded in 1978.  He has served as chairman of the Board of Trustees of St. Edwards School, chairman of the Vero Beach Planning and Zoning Board, president of the Kiwanis Club of Vero Beach and president of the 100 Club of Vero Beach.  He was re-elected in 2006 to serve on the Board of Trustees of St. Edwards School and currently serves as Vice-Chairman of the Board.  Mr. Croom received a degree in Industrial Engineering from the University of Georgia and an MBA from the University of Miami.

Givens
 
 

Kevin J. Given

Director
Mr. Given brings over 21 years of experience in the luxury resort and private club/real estate development management.  He is a partner in the Quail Valley Golf & River Clubs and serves as the Chief Operating Officer.  He is also a general partner in several real estate holdings and developments including Med Express Urgent Care based in Morgantown, West Virginia – currently, the largest Urgent Care operator in the country.  He is a graduate of Concord University in Athens, West Virginia with a major in Hotel Management and Minor in Business Administration.

Gould
 
 

Charles H. Gould

Director
Mr. Gould is a lifetime Vero Beach resident and CPA with over 24 years of professional experience.  He graduated from Vero Beach High School and Stetson University and is founder of his own firm, Gould & Associates, P.A.

Koehler
 
 

Kirk W. Koehler

Director
Mr. Koehler brings over 26 years of commercial and residential real estate experience, including developing Citrus Medical Plaza, North River Medical building, The Atrium, and Bent Pine community.

Slater
 
 

George R. Slater

Chairman Emeritus & Founder
Mr. Slater brings 50 years of banking experience, including serving as chairman, president and CEO of Wisconsin’s $5 billion Marine Corporation and later as vice chairman and director of Bank One Corporation, now JP Morgan Chase.  More recently, he founded Marine Bank & Trust Company and served as its first Chairman/CEO from 1997 through 2002.  Prior to becoming a banker in 1960, Mr. Slater was an instructor of economics at Purdue University where he earned his doctorate.  He was an artillery officer during World War II, serving in the Pacific Theatre and Japanese occupation. Mr. Slater retired from the Marine Bank Board of Directors in 2011 and was elected Chairman Emeritus / Founder.

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Management


William J. Penney

President, Chief Executive Officer, & Chairman of the Board
Mr. Penney has been a commercial banker for over 32 years.  He is a native Floridian and a 26-year resident of Vero Beach.  He has served as chief lending officer in four different banking institutions over the past 22 years.  His specialty is providing commercial banking services to business owners and real estate developers and assisting them in growing their businesses profitably.  During his career he has developed talented and successful bankers.  Mr. Penney was the Executive Vice President and Chief Lending Officer at Marine Bank & Trust Company since March 2004. In February 2010 Mr. Penney was promoted to President and Chief Executive Officer to replace the retiring C. Andrew Lawrence.  Mr. Penney is actively involved on several community boards including the United Way of Indian River County, the YMCA of the Treasure Coast, the Indian River County Economic Development Council and the Indian River County Chamber of Commerce.

Brian C. Fowler

Executive Vice President & Chief Lending Officer
As Executive Vice President and Chief Lending Officer, Mr. Fowler’s primary duty is overseeing all the lending functions of the bank. An area native, Mr. Fowler was born in Fort Pierce, and his family owned a Vero Beach-based business for more than 20 years. He is a graduate of the University of Central Florida with a degree in Finance. Prior to joining Marine Bank & Trust Company in November 2009 as Chief Credit Officer, Mr. Fowler held various officer positions at another community-based bank previously known as Indian River National Bank, providing him with experience in both the commercial loan origination and credit underwriting fields.

Charlie J. Gisler, Jr.

Executive Vice President, Chief Financial Officer & Chief Operations Officer

Clay Collins

Vice President, Mortgage Lending

Jo-Ann L. Copeland.

Senior Vice President, Chief Compliance Officer

Mary A. Cone

Vice President, Mortgages
Mrs. Cone is a native of Florida and a graduate of the American Institute of Banking and the Bert Rodger School of Real Estate.  Mrs. Cone has been in banking since 1968 and has been a resident of Vero Beach since 1981.  Prior to coming to the Marine in June 1997 as a Private Banker, Mrs. Cone held various officer positions at PNC Bank, Harbor Federal Savings Bank and American Savings and Loan Association, all located in Vero Beach.  She formerly held the position of Branch Manager at the Marine and is currently the Vice President, Mortgage Banking. 

David A. Hooper

Vice President, Commercial Loans
Mr. Hooper brings with him over 25 years in the banking industry in Indian River County, having served as a Vice President and Commercial Lender.  He is a graduate of the Florida School of Banking and a graduate of West Virginia University with a degree in Business Administration.  Mr. Hooper is an active member of the Exchange Club and serves on the Business & Education, Economic Development, and Industry Appreciation Committees for the Indian River County Chamber of Commerce.  At Marine Bank, he will work directly with business owners to provide customized financing for their businesses. 

Georgia L. Irish

Vice President and Branch Manager
Mrs. Irish has over 20 years in the banking industry, with 15 of those years as an Officer and Assistant Manager for First National Bank of Pa. She moved to Indian River County in 2003 from Erie, Pennsylvania and was the Assistant Vice President/Branch Manager of a local beachside bank before joining Marine Bank & Trust Company in January 2007. Mrs. Irish serves as Vice President and Branch Manager of the beachside main office, overseeing branch operations, account servicing, and business development.

Kristine M. Martin

Deposit Operations Manager
Mrs. Martin began her banking career in 1990 as a Teller and Assistant Head Teller for a local bank. In 1992 she transferred to another local bank where she held the positions of Bookkeeper, Head Teller and Loan Processor. She left the banking industry altogether to work as a Bookkeeper for private firms in 2001, and in January 2003, she joined Marine Bank & Trust Company as a Loan Processor. She was promoted to Operations Processor in January 2005 and then to an Operations Assistant in September 2006. She was again promoted in December 2008 to the position of Assistant Cashier, where she assisted the bank's Cashier with various aspects of secrecy, security and compliance.  Mrs. Martin is currently the Deposit Operations Manager. 

Deric R. Meadows

Assistant Vice President/Information Technology
Mr. Meadows began his banking career as a Teller at Wells Fargo in Colorado in 2003.  He relocated to Vero Beach and joined Marine Bank & Trust Company as a Teller in August 2004, bringing with him a natural talent in the area of technology.  In March 2005 he assumed the newly-created role of Information Technology Support Tech and was promoted to Network Administrator in June 2006.  In December 2007 he was made an officer of the bank, becoming the Assistant Vice President of Information Technology. 

Karl L. Williams

Vice President, SBA & Commercial Loans
Mr. Williams has more than 25 years experience in banking.  He started his career in Erie, Pennsylvania and moved to Florida in 1995.  His primary focus since 1987 has been commercial and SBA lending.  He is a graduate of Gannon University with a Bachelor's Degree in Business and a MBA in Finance.  He is also a graduate of the Central Atlantic School of Commercial Lending.  Mr. Williams has been active in commercial and SBA lending for 10 years on the Treasure Coast.  He joined Marine Bank in May of 2007 as Vice President, Small Business Administration (SBA) and Commercial Loans.

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Marine Bank's Internet Banking systems are NOT impacted by the "HeartBleed" computer bug.  We reviewed our systems in response to the recent reports on "HeartBleed".  There is no action required on your part.  You do not need to change your Internet Banking password.  The security of your accounts and personal information is our top priority.  If you have any questions, please feel free to contact us at (772) 231-6611 or (772) 778-6713.  You may also learn more about "HeartBleed" by reading this FAQ from the American Bankers Association.



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