SOUTH ALABAMA
OUR STORY
After the largest capital raise in the state of Alabama, we opened our doors to the public on March 31, 2008. Over the years, we have developed a reputation as one of the safest banks in the United States. In 2016 we expanded our markets in Alabama, adding a South Alabama office in Mobile. In 2020 we expanded to the state of Tennessee, opening a Middle Tennessee office in Brentwood. And most recently, in 2023, we opened our doors in the Central Carolinas.
In November 2022, Oakworth began trading on the OTCQX Best Market under the trading symbol OAKC, enabling a more elevated trading experience for our shareholders. All managing directors and the majority of our associates directly own shares of the company. We believe this instills a strong business-owner mentality throughout the company.
In addition to your client team, our bank’s leadership team consists of experienced and wellversed individuals, allowing us to offer a wide range of Commercial and Private Banking, Wealth Management and Advisory Services. Our core values and overall mission are building blocks for the long-term success of our clients, associates, shareholders and communities.
Learn more about our team in South Alabama: https://oakworth.com/our-team/mobile-office/
SOUTH ALABAMA Why We Continue to Grow in
Our clients consistently share that what makes Oakworth unique is our people, the high level of personalized service, and the fact that we make our clients’ financial lives easier. Many organizations have great people, but very few are truly organized around the client with the express purpose of providing consistent and distinctive service. South Alabama is a vibrant, thriving market and we enjoy being able to extend that level of service here and continue to help people succeed. Our goal is to become an iconic brand in financial services, set apart by our client-centered approach.
One of Oakworth’s core values is Innovative & Creative Spirit. South Alabama embodies a spirit that fuels its dynamic growth and economic success. This market is home to industry leaders in aerospace, maritime, healthcare, logistics & transportation, technology and other commercial enterprises. We are confident our approach to providing expertise and capital will support growth for professionals, business owners and their families and contribute to the continued overall success in South Alabama.
Scott B. Reed Chief Executive Officer & Chairman of the Board
As we grow throughout our markets, we look for great leaders and associates who believe in our core purpose and share our core values (Golden Rule, Character, Innovative & Creative Spirit, Professionalism and Work Ethic). Next, we look at a few fundamental characteristics within markets: critical mass for our targeted approach; markets that are receptive to our approach; markets that are dominated by larger super-regional and regional financial institutions and markets with like-minded talent and companies. We continue to find all of these elements for success in South Alabama!
South Alabama MARKET BOARD
This group of talented professionals has demonstrated leadership in the business community and have a vested interest in helping their communities, businesses and families succeed. They represent a multitude of industries and exemplify our core purpose and values.
Market Board Members
Thomas Benton
President
Marine and Industrial Supply
Patrick Chapman President
Gulf Coast Organics, Inc.
Michael Delaney Partner
Delaney Property Group
Peter D’Olive President Felder Services, LLC
Stephen J. Hand
U.S. Army Corps of Engineers Owner, Hand Enterprises
Sandy Myers Managing Director & Owner ASF, Inc.
Mike Rogers President Rogers & Willard, Inc.
Jonathan Rudolph Owner & President
Rudolph Development Group, Inc.
Marietta Urquhart
Commercial Real Estate Agent
White-Spunner Realty, Inc.
Tal Vickers
President & Dealer Principal Springhill Automotive Group
Dr. Charles Wilson
Orthopaedic Surgery Specialist
The Orthopaedic Group
COMMERCIAL & PRIVATE BANKING What we do
Fully versed in the financial complexities of personal, commercial, industrial and professional businesses, our Client
Advisors are prepared to deliver our services with an unwavering desire to exceed expectations. We first meet with you to understand your unique needs and goals for the future, and then coordinate a multidisciplinary team of financial experts to create a tailored strategy. We understand that personal assets are often inextricably intertwined with business assets. By bringing our substantial experience to bear, we offer unique integrated solutions to manage both corporate and personal financial growth.
Commercial & Private Banking Services
Deposit Services
Commercial
• Checking
• Money Market
• Savings
• Certificate of Deposit Personal
• Checking
• Money Market
• Savings
• Individual Retirement
• Certificate of Deposit
• Mobile Deposit
• Mobile Wallet
• SecurLOCK Equip Mobile App
Commercial
• Working Capital Lines of Credit
• SBA Lending
• Equipment Financing and Leasing
• Owner-Occupied Real Estate
• Investment Property Personal
• Lines of Credit
• Home Equity Lines/Loans
• Construction Loans
• Margin Loans/Lines
• Zelle Lending Services
Treasury Management
• Sweep Accounts
• Online Banking/Bill Payment
• Debit Cards
• ACH/Direct Deposit
• Zero-Balance Accounts
• Positive Pay
• Wire Services
• Remote Deposit
• Travel Cards
• Gift Cards
• Lock Box Services
• Corporate Credit Cards
WEALTH MANAGEMENT What we do
Our hallmark is taking both a broad view and a deep dive into the complexities of wealth management and trust needs. This holistic approach allows us to manage assets not just for today, but for generations.
Your Client Advisor will work to deeply understand your values and goals to then coordinate an elite, multidisciplinary team of financial experts to preserve your invested dollars, provide a readily accessible stream of liquidity and generate a competitive rate of return – all based upon a unique statement of investment policy defined for you. We advise our clients on the appropriate asset allocation and execute this strategy through the use of an open-architecture investment platform. We then work closely with you to achieve your generational financial objectives.
Wealth Management & Trust Services
Investment Manager & Advisor
• Personal Portfolio Management
• Individual and Institutional Investment Consulting
• Advisory Services Personal
Trust Services
• Full Discretionary Trustee Services
• Directed Trustee Services
• Estate Administration
• Governing Documents Oversight
• Unique Assets in Trusts (commercial real estate, timberland, etc.)
• Additional Trusted Advisor Coordination
Custodian of Assets
• Custody of all Securities
• Customized Performance Measurement
• Disbursement of Income or Principal (as requested)
• Tailored Reinvestment Strategies
• Escrow Agent
ADVISORY SERVICES What we do
Imagine if you could plug your financial destination into a GPS.
We work the same way to navigate your GPS experience. Simply determine where you want to go, and we will show you options and map out the journey step-by-step. Our Client Advisors help guide your finances toward a specific destination and will also remain on standby to help you navigate traffic jams that get in the way of keeping you on track to reach your financial goals.
Guided Planning Solutions
The Planning Process
We guide you through our customized 5-step planning process that will put you in the best position to reach your unique financial needs, values, and dreams.
Value Discussion & Goal Setting
To provide you with the best advice, your Client Advisor will rst take the time to learn what’s important to you and how it applies to your wealth.
1.5 hour meeting
Information Gathering
Together with your Client Advisor, you will source and gather applicable nancial information, discuss your goals, and determine when you’d like to achieve them.
Analysis
With the information collected, your Client Advisor will analyze your current nancial situation and develop speci c strategies for reaching your nancial destination, present recommendations to you, and also discuss any changes that may be needed.
Solutions
Your Client Advisor will present recommendations, discuss any changes, and establish a timeline for implementation to guide you on your nancial journey.
1.5 hour meeting
Monitoring Updates
As life changes, you may need to periodically shi course. Your Client Advisor will monitor and update your path to help you stay on track to achieving your goals. 1 hour meeting
SAFETY SOUNDNESS &
STRONG & PROFITABLE FINANCIAL POSITION
$1.8 $2.3 Billion in Total Assets Billion in Wealth Assets
unaudited, as of December 31, 2024
as of 12/31/24, millions where applicable
EXPECTATIONS Exceeding
LEADERSHIP Thought
We believe communication is the key to successful client relationships. While sharing useful information is beneficial, regardless of source, we believe in the value proposition of developing and having our own experts and ideas. By generating our own market commentaries, economic newsletters, topical subject analysis and serials, and even conversational podcasts and videos, our clients know we are using our knowledge, creativity and expertise to help them succeed.
Scan our QR code for all of our content or to subscribe to our publications.
Our Podcast Trading Perspectives
In this weekly podcast, Chief Economist John Norris and Portfolio Manager Sam Clement exchange perspectives on the driving factors influencing our economy. Trading Perspectives can be found on Apple Podcasts, Spotify, Google Play, YouTube, and all other major podcast outlets.
Our Blog Common Cents
Started over 20 years ago, Common Cents is a weekly blog written by Chief Economist John Norris detailing and explaining the events that impact our economy. John distills the latest information, making it easy to understand how these events affect daily life.
Our Magazine
Macro & Market Perspectives
This print and digital magazine is designed to provide education and unique insight into specific factors that are currently driving the economy. Each quarterly issue includes an economic overview as well as updates on the equity and bond markets, asset allocation and relevant economical issues.
MEETOURTEAM
“OUR CONTINUED EXPANSION IN SOUTH ALABAMA REPRESENTS OAKWORTH’S DEDICATION TO PROVIDING PERSONALIZED, HIGH-QUALITY FINANCIAL SERVICES. OUR TEAM IS FOCUSED ON DEVELOPING SOLUTIONS THAT ARE CUSTOMIZED TO OUR CLIENTS’ INDIVIDUAL AND BUSINESS NEEDS, IN ORDER TO SIMPLIFY THEIR FINANCIAL LIVES. WE ARE PROUD TO BE A TRUSTED PARTNER AND ADVISOR IN THIS COMMUNITY, HELPING OUR CLIENTS ACHIEVE THEIR FINANCIAL GOALS WITH CONFIDENCE.”
- LEE HAMMONS MANAGING DIRECTOR, MARKET LEAD
LINCOLN LEE HAMMONS
Managing Director, Market Leader
Office: 251.375.7809
Email: lee.hammons@oakworth.com
Mr. Hammons is responsible for developing private and commercial banking relationships for Oakworth Capital Bank, while also ensuring the delivery of the Oakworth approach in South Alabama. He joined Oakworth in April of 2016, bringing over 20 years of experience in the financial industry. Mr. Hammons’ experience includes 10 years with Regions Bank, where he served as Senior Vice President and Manager of Private Banking, followed by Market President and Commercial Banking Manager for Synovus Bank. Mr. Hammons received his undergraduate degree in English from the University of South Alabama and his graduate degree from the Graduate School of Banking at Louisiana State University. He is a current member of the Board of Trustees for the Dauphin Island Sea Lab Foundation and serves on the University of South Alabama – Melton Center for Entrepreneurship and Innovation Advisory Board. He formerly served on the Board of Jags Impact (South Alabama NIL cooperative), is past president of Mobile Touchdown Club (2015-2016) and a former Chair of the Board for St. Luke’s Episcopal School. Mr. Hammons was recognized as the 2006 ABA Under 40 Banker of the Year in the state of Alabama and is a graduate of the 2006 class of Leadership Mobile.
JOHN T. HENSLEY, CFP®
Managing Director Wealth Management Team Lead
Office: 251.375.7802
Email: john.hensley@oakworth.com
Mr. Hensley is the Wealth Team Lead for Oakworth Capital Bank in South Alabama. Mr. Hensley began his career in 1997 with Bank of America (formerly NationsBank) in Charlotte, NC. He then spent 6 years with Synovus Family Asset Management in Columbus, GA, serving as a Family Office Advisor for ultra-affluent families throughout the Synovus footprint. He moved to Mobile in 2003 to work in Wealth Management for Regions Financial Corporation. He served as manager of this group prior to joining BankTrust Financial Group, which was acquired by Trustmark National Bank, serving as Trust and Wealth Management Regional Manager for the Gulf Coast. He currently serves on the Board of the Mobile Touchdown Club and the First Light Community of Mobile (formerly L’Arche of Mobile). He is a past President of the Estate Planning Council of Mobile, and is a 2009 graduate of Leadership Mobile.
DAVID MCGRATH, CFA®
Managing Director, Chief Equity Strategist
Office: 251.375.7819
Email: david.mcgrath@oakworth.com
Mr. McGrath is responsible for developing and managing wealth management relationships in South Alabama for Oakworth Capital Bank. He is also a member of Oakworth Capital’s Investment Strategy Committee and serves as Chief Equity Strategist. Mr. McGrath has 29 years of experience in asset management. Prior to joining Oakworth Capital, he spent 19 years at Regions Bank in various capacities including management of three proprietary mutual funds with assets of over $1.2 billion. David is active with Big Brothers Big Sisters of South Alabama.
SCOTT HEGGEMAN
Associate Managing Director Wealth Management
Office: 251.375.7822
Email: scott.heggeman@oakworth.com
Mr. Heggeman serves as an Associate Managing Director in Wealth Management for Oakworth. He joins Oakworth with over 30 years of experience in the financial services industry. Mr. Heggeman spent the last 18 years with Regions and served in several roles including Manager for the Institutional Trust Services group in South Alabama and Florida panhandle, Relationship Consultant for Endowments and Foundations group clients, and the Sales Strategist for the ITS group. Previously, he received the Accredited Investment Fiduciary and Certified Retirement Services Professional designation. Currently, Mr. Heggeman is serving as a Trustee for the Seaman’s Foundation and an Advisory Committee member for the Dauphin Island Sea Lab Foundation.
LEE BANKS
Office: 251.375.7824
Email: lee.banks@oakworth.com
In addition to working in banking, Mr. Banks served as a logistics officer on active duty in the U.S. Army for over five years and was a member of the Army National Guard for four years. His experience spans 18 years in banking and wealth management with AmSouth/Regions Bank and Trustmark National Bank. Mr. Banks is a graduate of Leadership Mobile, is a member of the Senior Bowl Committee and a member of the Mobile Estate Planning Council. He and his family are active at Saint Luke’s Episcopal School in Mobile.
JAYE B. PATTERSON
Treasury Management Specialist
Office: 251.375.7818
Email: jaye.patterson@oakworth.com
Mrs. Patterson is responsible for developing and expanding client relationship with Oakworth Capital Bank. She joined Oakworth Capital in January 2018, bringing over 24 years of banking experience. Mrs. Pattersons’ experience includes 21 years with Regions Bank, where she served as Assistant Vice-President and Branch Manager. Most recently she served as Assistant Vice-President and Private Banking officer of Servis 1st Bank. Mrs. Patterson received her undergraduate degree in Finance from the University of South Alabama. She is also a graduate of the Alabama School of Banking. She is currently a Board Trustee for St. Luke’s Episcopal School, is active with Junior Achievement of Mobile and is an ambassador of Impact100 Mobile. She has been involved with United Way Women’s Initiative, Back Pack for Kids, United Way Loan Executive, Big Brother Big Sister, Habitat for Humanity and Past Treasury for Girl Scouts of Southern Alabama.
Office: 251.375.7806
Email: wade.gordon@oakworth.com
Mr. Gordon is responsible for developing and advising private banking and wealth clients for Oakworth. His career began with Trustmark (BankTrust), working his way to becoming a Branch Manager then serving as a Trust Services Officer before joining Oakworth in 2015. His primary focus is developing relationships and managing financial services for professionals, corporate executives, and their families as well as small to mid-size professional firms, medical practices, and non-profit organizations. He is currently a member of the Downtown Rotary Club of Mobile and a vestry member of St. Paul’s Episcopal Church. He is involved with Big Brothers Bigs Sisters of the Central Gulf Coast as a Mentor, the Mobile Chapter of Alabama Wildlife Federation and JH Outback Mobile.
CHRIS ROBERTS
Senior Credit Analyst
Office: 251.375.7820
Email: chris.roberts@oakworth.com
Mr. Roberts joined the Oakworth team in 2019, already a knowledgeable financial professional with years of experience assessing borrowing risk and determining the most beneficial solutions for both lender and client.
Prior to 2019, he held senior positions at 22nd State Bank in Alabama (Vice President of Commercial Lending); The First (formerly Bay Bank) (Vice President and Business Banker); and Hancock Bank (Vice President and Business Banker). His collaborative approach to problem-solving and his attention to detail make him an asset to Oakworth and our clients, and strategically align him with our core purpose of helping people succeed.
He and his wife, Lori, are the lucky owners of three beloved dogs. Mr. Roberts is a member of Ashland Place United Methodist. Outside of the office, Mr. Roberts enjoys spending time in the outdoors.
JEREMY ROBERTS
Office: 251.375.7811
Email: jeremy.roberts@oakworth.com
Mr. Roberts is responsible for developing and managing a diversified portfolio of commercial and private banking clients for Oakworth Capital Bank. He has over 24 years of banking experience with Regions Bank and Synovus Bank, having served in various leadership capacities. He graduated from Southeast College of Technology with a degree in Business Administration before receiving his M.B.A. from Columbia Southern University. Mr. Roberts is an active within the Mobile community and is an active member of the Lions Club, Big Brothers Big Sisters and serves in may capacities at Oak Park Church. He was recognized in Mobile Bay Monthly as Top 40 under 40 in 2017 and is a former Loan Executive for the United Way.