Executive Management

Ralph W. Dowling
President
Chief Executive Officer
NMLS #1748023

Randall M. Robey
Executive Vice President
Chief Financial Officer

H. Lawrence Lyons
Executive Vice President
Chief Operating Officer
NMLS #446638

Stephanie L. Usilton
Executive Vice President
Human Resources Officer

Terri L. Garvey
Senior Vice President
Branch Administrator
NMLS #446637

David A. Bowman
Senior Vice President
Chief Lending Officer
NMLS #1132599

Mary Chandler Obrecht
Senior Vice President
Chief Credit Officer
NMLS #2045085
Directors

(Back Row) William G. Wheatley - Chairman of Bancorp Board, LaMonte E. Cooke, Gary B. Fellows - Chairman of Bank Board, R. Allen Davis - Vice Chairman of Bank Board, Myles S. Loller, Robert W. Clark, Jr., Stefan R. Skipp (Front Row) Ralph W. Dowling, Elizabeth A. Strong - Retired Director, E. Jean Anthony, Patricia Joan Horsey
Not Pictured: Corey Duncan - Newly Elected Director as of 5/20/2020, Trey Hill - Newly Elected Director as of 5/20/2020, Megan B. Owings - Newly Elected Director as of 11/18/2020.
Branch Management

Harriet Creighton (Rock Hall), Eva Hickman (Millington), Brandi Blyman (Washington Ave.), Jodi Richardson (Easton), Katie DiSano (Main Branch), Sheila Dwyer (Galena), Carolyn Walls (Sudlersville)