The directors of Marine Bank & Trust are prominent leaders and residents of Vero Beach and Indian River County. The bankers of Marine Bank & Trust have the highest integrity and are inherently compelled to be very responsive to every customer’s request. Marine Bank’s management team possesses a wealth of diversified banking experience with a solid and proven track record.

Board of Directors

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. 

Donald L. Ames, M.D.

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. 

Wilton R. (Rusty) Banack

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. 

David S. Croom

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. 

Kevin J. Given

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. 

Erin K. Grall

Ms. Grall is the managing partner for the Grall Law Group and represents Florida District 54 in the Florida House of Representatives.  Ms. Grall has been active in many Indian River County non-profits and county committees.  She currently serves as Chair-Elect for the United Way of Indian River County and as Immediate Past President of the Indian River Country Bar Association.  Ms. Grall is a graduate of St. Helen School and John Carroll High School and graduated cum laude from Wake Forest University and earned her Juris Doctor from Marquette University.  

Kenneth R. Lehman

Mr. Lehman is a private investor and former banking and securities attorney. Mr. Lehman was an attorney with the Securities and Exchange Commission from 1988 through 1992. In 1993 he co-founded a nationally recognized law firm from which he retired in 2002.  Within the last five years, Mr. Lehman has served as a director of several publicly traded companies, including First Capital Bancorp, Virginia Commerce Bancorp (through 2013), and Tower Bancorp (through 2012).  

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.

Management Team

William J. Penney
President/Chief Executive Officer/Chairman of the Board

Charles J. Gisler, Jr.
Executive Vice President/Chief Financial Officer/Chief Operations Officer

Jo-Ann L. Copeland
Senior Vice President/Chief Compliance Officer

Stephen D. Shields
Senior Vice President / Residential Lending Manager

William C. Koehne
Senior Vice President / Commercial Lending Manager

Mary A. Cone
Vice President/Residential Mortgage Lending

Karl L. Williams
Vice President, Commercial Lending and Government Guaranteed Loan Manager

Georgia L. Irish
Vice President/Client Services & New Business Development

Rebekah E. Refford
Vice President/Loan Administration

J. Cary Allen
Vice President/Credit Administration

Kim D. Prado
Vice President/Beachland & US1 Banking Center Manager

Malak M. Hammad
Vice President/Melbourne Banking Center Manager

Robert A. Morgan
Vice President/Residential Mortgage Lending

Kristine M. Martin
Assistant Vice President/Deposit Operations Manager

Stephen Hume
Vice President/IT Network Administrator/Security Officer

James C. Stanley
Residential Loan Officer

Elizabeth R. McMahon
Special Projects Manager

Pat A. Staunton
Banking Center Manager/Sebastian Banking Center

Daniel Fourmont
Commercial Loan Officer

Tori J. Hume
Small Business and Commercial Lending

Ryan Lees
Residential Lending

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