SOUTH ALABAMA
Middle Tennessee
O U R STO RY After the largest capital raise in Alabama’s history at the time, we officially opened our doors to the public on March 31, 2008. Over the years, our reputation has steadily grown as we aim to set the standard for safety and soundness. 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 well-versed individuals, allowing us to offer a wide range of Commercial and Private Banking, Wealth Management and Advisory Services. Our core values and mission provide the foundation for how we serve our clients, support our associates, create value for shareholders and engage with our communities. Learn more about our team in South Alabama: https://oakworth.com/our-team/mobile-office/ This section describes the history of Oakworth Capital Bank and Oakworth Capital Inc. Oakworth Asset Management, LLC, launched in 2025.
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South Alabama
Oakworth Capital Bank 1 St. Louis Street, Suite 3200 Mobile, AL 36602
CONTENTS Why We Continue to Grow In South Alabama
4
South Alabama Market Board
6
What We Do
8
Safety & Soundness
15
Exceeding Expectations
17
Thought Leadership
19
Our Team
21 O A K WO RT H C A P I TA L B A N K 3
South Alabama
Why We Continue to Grow in SOUTH ALABAMA
4 O A K WO RT H C A P I TA L B A N K
financial institutions and markets with like-minded talent
is our people, the level of personalized service they have
and companies. We identified many of these qualities in
experienced, and the fact that we consistently aim to make
South Alabama.
our clients’ financial lives easier. Many organizations have great people, but our professionals aim to organize around the client - with the express purpose of delivering 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. We aspire to become an iconic brand in financial services through a steadfast commitment to our values and our client-centered approach. As we grow throughout our markets, we look for great
South Alabama
Our clients have shared that what makes Oakworth unique
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.
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
Scott B. Reed
that are dominated by larger super-regional and regional
Chief Executive Officer & Chairman of the Board
O A K WO RT H C A P I TA L B A N K 5
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
Stephen J. Hand U.S. Army Corps of Engineers Owner, Hand Enterprises
Jonathan Rudolph Owner & President Rudolph Development Group, Inc.
Patrick Chapman President Gulf Coast Organics, Inc.
Sandy Myers Managing Director & Owner ASF, Inc.
Marietta Urquhart Commercial Real Estate Agent White-Spunner Realty, Inc.
Michael Delaney Partner Delaney Property Group
Mike Rogers President Rogers & Willard, Inc.
Tal Vickers President & Dealer Principal Springhill Automotive Group
Peter D’Olive President Felder Services, LLC
Dr. Charles Wilson Orthopaedic Surgery Specialist The Orthopaedic Group
Members of Oakworth’s Market Board may be current or former clients of Oakworth Asset Management and may receive compensation. Board membership is intended to provide market perspectives and does not constitute an endorsement of Oakworth Asset Management, its advisory services or investment performance. A member’s views are their own and may not reflect the views of Oakworth Asset Management.
South Alabama O A K WO RT H C A P I TA L B A N K 7
What we do COMMERCIAL & P R I VA T E B A N K I N G
Our Client Advisors are experienced in the financial complexities of personal, commercial, industrial and professional businesses and aim to exceed clients’ expectations by providing thoughtful, responsive service tailored to your needs. 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.
Deposit Services
Lending Services
Treasury Management
Commercial
Commercial
•
Sweep Accounts
•
Checking
•
Working Capital Lines of Credit
•
Online Banking/Bill Payment
•
Money Market
•
SBA Lending
•
Debit Cards
•
Savings
•
Equipment Financing and Leasing
•
ACH/Direct Deposit
•
Certificate of Deposit
•
Owner-Occupied Real Estate
•
Zero-Balance Accounts
•
Investment Property
•
Positive Pay
•
Wire Services
Personal
•
Remote Deposit
•
Lines of Credit
•
Travel Cards
•
Home Equity Lines/Loans
•
Gift Cards
•
Construction Loans
•
Lock Box Services
•
Margin Loans/Lines
•
Corporate Credit Cards
Personal •
Checking
•
Money Market
•
Savings
•
Individual Retirement
•
Certificate of Deposit
•
Mobile Deposit
•
Mobile Wallet
•
Card Suite Lite
•
Zelle
South Alabama
Commercial & Private Banking Services
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What we do W E A LT H MANAGEMENT
Complex financial situations often require sophisticated solutions. We take both a broad view and a deep dive to help manage trust and estate needs today—and for generations to come. Our experienced staff of fiduciary professionals provides comprehensive trust and estate administration services. These can include: assisting with generational wealth transfers, providing invoice management strategies, coordinating the activities of other trusted advisors, overseeing governing documents, managing unique assets, and a host of other services we designed to make your financial life easier.
South Alabama
Wealth Management & Trust Services Personal Trust Services •
Full discretionary trustee services
•
Directed trust services
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Investment Management
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Oversight of governing documents
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Invoice management strategies
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Fiduciary tax return filing
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Client advisor coordination
•
Real estate management held in trust Planning that supports asset preservation for future generations
•
Estate Administration
Unique Trust Assets
Overseeing probate and will administration
•
Timberland
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Mineral interests
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Valuing and collecting estate assets
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Closely held businesses
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Managing jointly held property, life insurance, and retirement accounts
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LLCs
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Paying debts, funeral costs, and taxes
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Commercial property
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Handling income, estate, and capital gains tax matters
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Preparing and filing estate tax returns with post-mortem planning
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Coordinating with accountants on final and fiduciary tax returns
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Preparing detailed estate and fiduciary accounting
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Transferring assets to beneficiaries
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Executing complex estate plans
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Providing tax details to beneficiaries
•
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What we do ADVISORY SERVICES
Managing both the broad view and the complexities of your wealth management needs is our hallmark. Our holistic approach allows us to manage assets not just for today, but for generations. We aim to address your evolving wealth needs by offering tailored solutions, a comprehensive view of your financial landscape and advanced digital tools. Our goal is to enhance the client experience and help you achieve your financial goals. Oakworth Asset Management offers a comprehensive range of financial planning services – from wealth management and retirement planning to philanthropic strategies, risk assessment and generational planning. We take a personalized approach to financial planning; our goal is to help you navigate the intricacies of the marketplace, investment opportunities and wealth management.
South Alabama
Financial Planning
There are key issues that may affect a client’s financial planning outcomes. By building a customized wealth management strategy around your unique needs, we are positioned to effectively address these issues. Together, we will help you achieve financial security by growing and protecting your wealth, making a positive impact and planning for the future.
Guided Planning Solutions
Estate Planning
Cash Flow Management
Retirement Planning
Insurance and Risk Management
Tax Planning
Multi-Generational Planning
Philanthropic Planning
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South Alabama
Guided Planning Solutions The Planning Process We guide you through our customized 5-step planning process that aims to put you in the best position to reach your unique financial needs, values and dreams.
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Middle SouthTennessee Alabama
W hat we do I N V EST M E N T M A N AG E M E N T
We believe the most critical decision in investing is asset allocation—specifically, how much to invest in stocks versus other assets. Historically, stocks perform well when the economy grows. As such, our investment strategy hinges on our macroeconomic forecast. To guide our approach, we evaluate economic direction, key sectors and the outlook for corporate profitability.
Since economic downturns typically follow financial panics, which are rare, we generally maintain a market-weight or overweight in stocks relative to fixed income, assuming all other factors remain equal.
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SAFETY &SOUNDNESS
This section describes the performance and financial position of Oakworth Capital Bank. Although Oakworth Capital Bank owns Oakworth Asset Management, LLC, the content on the following page does not reflect Oakworth Asset Management, LLC’s financial position.
South Alabama
S T R O N G & P R O F I TA B L E FINANCIAL POSITION Oakworth Capital Bank aims to be one of the safest financial institutions in the U.S. with a well-capitalized balance sheet, consistent high credit quality and a track record of profitability.
$2.1
$2.96
Billion in Total Assets
Billion in Wealth Assets unaudited, as of June 30, 2026
CONSISTENT HIGH C R E D IT QUA L IT Y
W E L L - C A P I TA L I Z E D BALANCE SHEET
for more information, see call report at fdic.gov
Allowance for Credit Losses (ACL)/Loans, net
1.2% .7% 0.1%
Non-Performing Loans/Loans, net
Net Loan Charge-Offs/Avg Loans
as of and for YTD period ended June 30, 2026
JUNE 30, 2026
Total Capital Ratio
(Total Capital to Risk Weighted Assets)
Tier 1 Capital Ratio
(Tier 1 Capital to Risk Weighted Assets)
Leverage Ratio
(Tier 1 Capital to Average Total Assets)
11.9%
10.0%
10.7%
8.0%
9.6%
5.0%
Oakworth Capital Bank, Member FDIC, Equal Housing Lender, serves business owners, professionals, families and individuals across the U.S. from its headquarters in Birmingham, Alabama, as well as from the Central Carolinas, Middle Tennessee and South Alabama. Oakworth offers deposit products that are FDIC insured up to applicable limits. Deposit products offered by Oakworth Capital Bank are FDIC insured up to applicable limits. Non-deposit products including investments are not FDIC insured, provide no bank guarantee, are not a deposit and may lose value.
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South Alabama
Exceeding E X P E C TAT I O N S We have a vision to become the iconic brand in financial services. When comparing ourselves to iconic brands such as Ritz Carlton, Starbucks and Chick-Fil-A, we compare favorably in client service.
95 Net Promoter Score*
Best Bank to Work For #1 from 2018 - 2023; #2 in 2024 & 2025 American Banker Magazine A+ Health Rating Depositaccounts.com Fastest Growing Companies 2020, 2019, 2018 & 2016 Inc. 5000 BauerFinancial 5-Star Bank*
95% Oakworth Client Retention* *FISCAL YEAR 2025
The above statistics and awards are only attributable to Oakworth Capital Bank. Although both entities share supervised persons, this in no way attests to the performance or rating of Oakworth Asset Management, LLC.
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South Alabama
Seeing It F O R YO U R S E L F Our Culture Video:
oakworth.cc/2024-culture
Our Leadership Video:
oakworth.cc/2026-founders
Our Thought Leadership Video Library:
oakworth.cc/mmvideos
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South Alabama
Thought LEADERSHIP 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.
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South Alabama
Our Podcast Trading Perspectives In this podcast, John Norris shares market commentary and insights on current events. 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. O A K WO RT H C A P I TA L B A N K 21
MEET OUR TEAM
“ O U R C O N T I N U E D E X PA N S I O N I N S O U T H ALABAMA REPRESENTS OAKWORTH’S D E D I C AT I O N TO P R O V I D I N G P E R S O N A L I Z E D, HIGH-QUALITY FINANCIAL SERVICES. O U R T E A M I S FO C U S E D O N D E V E LO P I N G S O L U T I O N S T H AT A R E C U S TO M I Z E D TO O U R CLIENTS’ INDIVIDUAL AND BUSINESS NEEDS, I N O R D E R TO S I M P L I F Y T H E I R F I N A N C I A L L I V E S. W E A R E P R O U D TO B E A T R U ST E D PA R T N E R A N D A D V I S O R I N T H I S C O M M U N I T Y, HELPING OUR CLIENTS ACHIEVE THEIR FINANCIAL GOALS WITH CONFIDENCE.”
- LEE HAMMONS M a n ag i n g D i re cto r, M a r ket Le ad e r Oakworth Capital Bank
South Alabama
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. O A K WO RT H C A P I TA L B A N K 23
South Alabama
LEE BANKS
Client Advisor Wealth Management
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.
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South Alabama
WA D E G O R D O N Associate Managing Director Private Banking
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.
O A K WO RT H C A P I TA L B A N K 25
South Alabama
S C OT T 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.
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South Alabama
J O H N T. H E N S L E Y, C F P ® 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.
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South Alabama
D AV I D M C G R AT H , C FA ® 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.
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South Alabama
J AY E B . PAT T E R S O N 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. Patterson’s 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.
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South Alabama
GARRETT A. POWE Associate Managing Director, Commercial Banking
Office: 251.375.7805 Email: garrett.powe@oakworth.com Mr. Powe joined Oakworth’s Commercial Banking team with extensive experience in financial services and management. Prior to Oakworth, he served as Senior Vice President and Commercial Banking Officer at ServisFirst Bank, where he managed a diverse commercial loan and deposit portfolio, consistently exceeded performance goals and earned the bank’s 2023 and 2024 Top Producer Awards. A native of Selma, Alabama, Mr. Powe began his banking career in Northport as a loan officer with First South Farm Credit before holding progressive roles with Cadence Bank in Tuscaloosa. Mr. Powe is deeply engaged in the Mobile community, serving as president of the Rotary Club of Mobile and treasurer of Friends of Magnolia Cemetery. He is also active with several civic and nonprofit organizations, including the Literacy Coalition of South Alabama, First Light Community and United Way of West Alabama. In recognition of his professional and community leadership, he was named one of Business Alabama’s 2023 Rising Stars of Banking and Mobile Bay’s 40 Under 40 in 2020. An active member of St. Paul’s Episcopal Church, Mr. Powe serves as a vestry member, acolyte advisor, usher and confirmation mentor, and sits on the Standing Committee of the Episcopal Diocese of the Central Gulf Coast. Outside of work, Garrett enjoys hunting, fishing and golf. He and his wife, Patricia, have two children. 30 O A K WO RT H C A P I TA L B A N K
South Alabama
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.
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South Alabama
JEREMY ROBERTS Associate Managing Director Commercial & Private Banking
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.
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South Alabama About Oakworth: Oakworth Capital Bank, Member FDIC, Equal Housing Lender, provides commercial and private banking, wealth management and advisory services. Advisory Services, including investment management and financial planning, are offered through Oakworth Asset Management LLC, a registered investment advisor. Oakworth Asset Management LLC is owned by Oakworth Capital Bank. Investment products and services offered via Oakworth Asset Management LLC are independent of the products and services offered by Oakworth Capital Bank, and are not FDIC insured, may lose value, have no bank guarantee, and are not insured by any federal or state government agency. Because of the ownership relationship and involvement by Oakworth Asset Management LLC associates with Oakworth Capital Bank, there exists a conflict of interest to the extent that either party recommends the services of the other. For additional information about Oakworth Asset Management LLC, including its services and fees, visit adviserinfo.sec.gov. This communication contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained herein should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Investing involves risk of loss including loss of principal. Past investment performance is not a guarantee or predictor of future investment performance. Net Promoter Score® (NPS®) is a client loyalty metric developed by Bain & Company, Inc., Satmetrix Systems, Inc., and Fred Reichheld. NPS results reflect the opinions and experiences of responding clients and may not be representative of all clients. All scores are not indicative of future performance, nor should they be construed as an endorsement of the advisor. Scores may not relate to any one client’s experience and may not be indicative of future client experiences. Investment performance is not a criterion because client objectives vary, and performance reports are rarely audited. No compensation was provided in exchange for survey participation or results.
O A K WO RT H C A P I TA L B A N K 33
1 St. Louis Street, Suite 3200 Mobile, AL 36602 O A KWO RT H.C O M