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 41 years. He is a native Floridian and a 35-year resident of Vero Beach. He has served as Chief Lending Officer in four different banking institutions over the past 30 years. His specialty is providing commercial banking services to business owners and investors 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. In November 2013 Mr. Penney was elected Chairman of the Board of Directors. Mr. Penney has been actively involved on several community and professional boards including the United Way of Indian River County, Alzheimer’s & Parkinson’s Association of Indian River County, Ocean Research & Conservation Association, the Indian River County Economic Development Council, the Indian River County Chamber of Commerce and the Florida Bankers Association.

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/President of Quality Fruit Packers of Indian River, Inc. He serves as co-chair of the United Way Agribusiness Division and is on the board of directors of the Indian River Citrus League.

David S. Croom

Mr. Croom has been in the construction industry for over 46 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 33 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. 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 a Vero Beach native. She is a shareholder of Grall Law Group. She specializes in personal injury and wrongful death litigation. In 2016, Ms. Grall was elected to the Florida House of Representatives. She is committed to community service and is active in many aspects of the Treasure Coast. She has served as President of the Indian River County Bar Association and spent many years serving on the county’s Children’s Services Advisory Committee. She is a past president of the Exchange Club of the Treasure Coast and in 2008 served as District Director on the state board. Ms. Grall led the Childcare Resources of Indian River Board as President for three years, served as President of the Junior League of Indian River and played an active role in leadership on the Board of the United Way of Indian River County. Ms. Grall graduated cum laude from Wake Forest University and earned her Juris Doctor at Marquette University. She and her husband Michael have two incredible children.

Kenneth R. Lehman

Mr. Lehman is a private investor and former banking and securities attorney. Over the last eight years, Mr. Lehman has served as a director of several banks and bank holding companies including three publicly-traded (i.e., registered under Section 12 of the Exchange Act of 1934) companies: First Capital Bancorp, Inc., where he has served as a director from 2012 through January 2016, Virginia Commerce Bancorp, Inc., where he served as a director from November 2009 through January 2014, and Tower Bancorp, Inc., where he served as a director from March 2009 through February 2012.

Richard L. Lynch

Rick Lynch is managing partner of the accounting firm Lynch, Johnson & Long, LLC, located in Fort Pierce.  After graduating from Stetson University in 1981, Rick moved to the Treasure Coast area.  In 1985 he started his own accounting practice which has evolved to the firm he now leads. Rick, with his wife Robbin, have two grown sons, Rick, Jr. and Robbie.  Throughout his professional career, Rick has been active with the local community.  This includes 25 years of participation with Treasure Coast Hospice and 20 years with the A.E. Bean Backus Gallery.  He is currently the chairman of the Treasure Coast Hospice Foundation and past chairman of Treasure Coast Hospice Operating Board. Rick previously served as a director of Harbor Community Bank and its holding company, HCBF Holding Company.  He served as chairman of the bank’s audit committee.  Rick also held similar board positions with Harbor Federal Savings Bank. 

Dan Richey

Mr. Richey is the President and CEO of Riverfront Packing Company in Vero Beach. He has served in many different capacities in the citrus/agricultural industry including Chairman of the Florida Citrus Commission, President of the Indian River Citrus League, board member of the Florida Fruit and Vegetable Association and is currently serving as an appointed advisor to the U.S Trade Representative and U.S Secretary of Agriculture regarding international trade issues. Mr. Richey has served our local community in multiple ways including Chairman of the Indian River County Planning and Zoning Commission, Chairman of the Board of Trustees of St. Edwards School and President of the 100 Club of Indian River County. He previously served on the board of directors at Indian River National Bank, Gulfstream Business Bank and most recently CenterState Bank.

Hal Roberts

Mr. Roberts is the former president of Port St. Lucie National Bank, Enterprise National Bank, and Harbor Federal.  He also served as the north-central market president for PNC.  As president and CEO of Harbor Community Bank, Roberts was instrumental in growing the bank to 46 branch locations in 19 Florida counties with assets of $1.9 billion before it was sold to CenterState Bank in 2017.  In 2019, he retired as Treasure Coast regional president of CenterState Bank.  

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
Brian C. Fowler
Senior Vice President/Chief Credit Officer
Leslie W. Stokes
Senior Vice President/Retail Director
Shaun E. Williams
Senior Vice President/Chief Lending Officer
Sandi D. Creyaufmiller
Vice President/Director of Human Resources
J. Cary Allen
Vice President/Credit Administration
Gabriel Delgado
Vice President, Mortgage Lending Director
Georgia L. Irish
Vice President/Sebastian Banking Center Manager
Kevin K. Metoff
Vice President/Credit Administration  
Tina M. Nicholson
Vice President/US 1 Banking Center Manager
Kim D. Prado
Vice President/Beachland Banking Center Manager
Janet L. Rascati
Vice President/Controller
Rebekah Refford
Vice President/Loan Administration Manager
William D. Talley

Vice President/Commercial Banking Manager/SBA Lending Manager

Pamela A. Turk
Vice President/Loan Servicing Manager
Cari A. Cahill
Assistant Vice President/Deposit Operations Manager
Charlie N. McCoach
Melbourne Banking Center Manager
R. David Schmidt
IT Officer/Information Security Manager
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