blue texture fading into the image of Nathaniel S. Bonnell

LEADERSHIP

OUR MANAGEMENT TEAM

The Citizens Bank management team is made up of seasoned individuals committed to delivering superior financial solutions and gold standard service to both consumer and business customers.

Our success stems from the experience, leadership, professionalism and vision of our management and staff:

Nathaniel Bonnell

Nathaniel S. Bonnell, CPA

President & CEO

Nathaniel S. Bonnell, CPA

As President & CEO, Nathaniel Bonnell is responsible for the development and execution of the Bank’s strategic objectives and goals.  He provides leadership, direction and guidance for all functions of the bank.

Nathaniel graduated from Davis & Elkins College as valedictorian and Summa Cum Laude with a B.S. in Accounting & Management, and received a Master of Business Administration from West Virginia University. He is a Certified Public Accountant (CPA) and Certified Information Systems Auditor (CISA), and a member of the American Institute of CPAs and WV Society of CPAs.

A 2014 graduate of Leadership West Virginia, he was named to the WV Executive Magazine Young Guns Class of 2020.  He has been named Business Man of the Year by the Elkins-Randolph County Chamber of Commerce, and Outstanding Young Alumnus at Davis & Elkins College.  He has received a Merit Award for the highest score in WV on the CPA exam from the WV Society of Public Accountants.

He sits on the board of directors for the Randolph County Development Authority and serves as a member of the Elkins Rotary Club, North Elementary School Parent Teacher Organization and Mercy Chapel United Methodist Church’s administrative council and finance committee.  He is an Assistant Director with the Mountain State Forest Festival, a board member for the West Virginia Bankers Association, and an Advisory board member for the Federal Home Loan Bank of Pittsburgh.

Nathaniel also serves as President of Citizens Financial Corp. – the bank’s holding company.

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Janet Chapman

Janet E. Chapman

Senior Vice President & Chief Financial Officer

Janet E. Chapman

Janet Chapman serves as Senior Vice President & Chief Financial Officer and has over 21 years of banking experience.  She earned a B.S. in Accounting from Fairmont State University.

She is a member of TopNet – a collaboration of West Virginia Bankers and is Vice President & Treasurer of Citizens Financial Corp. – the bank’s holding company.

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Leesa Harris

Leesa M. Harris, CTFA

Senior Vice President & Trust Officer

Leesa M. Harris, CTFA

Leesa Harris has over 37 years of banking experience and serves as Senior Vice President & Trust Officer.  She is a graduate of Davis & Elkins College, WV School of Banking, and Cannon Trust School.   She is a Certified Trust & Financial Advisor (CTFA) and corporate secretary of Citizens Financial Corp. – the bank’s holding company.

Leesa serves as chairman of the City of Elkins Housing Authority and Randolph County Housing Authority Board of Commissioners.  She is a member of the Elkins Rotary Club of Elkins.

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Franklin Hinzman

Franklin M. Hinzman

Senior Vice President & Chief Lending Officer

Franklin M. Hinzman

Frank Hinzman serves as Senior Vice President and Chief Lending Officer, with over 29 years of banking experience.  He is responsible for leading and developing our commercial lending department.  He earned an A.S. in Business Administration from Davis & Elkins College and graduated from West Virginia Bankers School and Graduate School of Banking from LSU.

Frank is a member of Elkins Kiwanis and serves as Trustee and Treasurer for the Beverly United Methodist Church.

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Kathy Leombruno

Kathy K. Leombruno

Senior Vice President & Marketing Officer

Kathy K. Leombruno

Kathy Leombruno serves as Senior Vice President & Marketing Officer, with over two decades of bank marketing experience. She earned a B.S. in Public Relations from West Virginia University School of Journalism.  A graduate of the WV School of Banking, she is a member of the American Bankers Association Marketing Network and TopNet – a collaboration of West Virginia Bankers.

Kathy is a member of the Board of Directors for the Elkins-Randolph County Chamber of Commerce, United Way of Randolph County and Mountain State Forest Festival.  She represents Citizens on the Local School Improvement Council for Jennings Randolph Elementary School.  She has received the Tom Williams Award of Distinction, Chamber Person of the Year Award, and Outstanding Chamber Member Award from the Elkins-Randolph County Chamber of Commerce.

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Mathew E Osborne

Matthew E. Osborne

Senior Vice President & Chief Credit Officer

Matthew E. Osborne

Matt Osborne serves as Senior Vice President and Chief Credit Officer, with over 18 years of banking experience.  He is responsible for providing oversight for our lending programs and portfolios.  He earned a B.S. in Accounting from Ball State University and an M.B.A. from the University of Kentucky.

Matt is a member of the Board of Directors for Woodlands Community Lenders and sits on Third Ward School PTO Executive Committee.  He is a volunteer coach for Seneca Soccer and a volunteer den leader for Scouts BSA Pack 88.

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Dusty Casto

Dustin J. Casto

Vice President & Chief Information Officer

Dustin J. Casto

Dustin Casto serves as Vice President & Chief Information Officer and joined Citizens Bank in 2006.  He earned a Cisco Networking CCNA designation from Fred W. Eberle Technical Center and attended Graduate School of Banking in Madison, Wisconsin.

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Greg Harper

Greg A. Harper

Vice President of Dealer Financial Services

Greg A. Harper

Greg Harper serves as Vice President of Dealer Financial Services and has been employed at Citizens since 2001.  He earned a B.S. in Accounting & Finance from Glenville State College.  He serves as coach for Randolph County Youth Softball and is a member of its Board of Directors.

He is a manager, coach and player on the Tucker County Pre-Owned Sales & Services Men’s League in Parsons and the S&S Softball Men’s Tournament Traveling Team.

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Carla Joseph

Carla D. Joseph

Vice President & Credit Analyst

Carla D. Joseph

Carla Joseph serves as Vice President & Credit Analyst and has over 17 years of commercial banking experience.  She earned a B.S. in Finance from Fairmont State.

Carla is a member of the Board of Directors for the Randolph-Tucker Childrens Advocacy Center.

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Debbi Ritter

Deborah T. Ritter

Vice President & Branch Manager

Deborah T. Ritter

Debbie Ritter serves as Vice President & Branch Manager/Parsons Office and has over 39 years of banking experience.  She is a graduate of  WV School of Banking and WV Bankers School for Branch Managers.

Debbie is a member of the Tucker County Chamber of Commerce, Tucker Community Foundation, and Parsons Blue Print Community Team.

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Becky Sands

Becky A. Sands

Vice President & Loan Operations Manager

Becky A. Sands

Becky Sands serves as Vice President & Loan Operations Manager and has over 42 years of banking experience.  She is a graduate of WV School of Banking.  She is a volunteer with the Hodgesville Elementary School Backpack Program.

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Rebecca Schoonover

Rebecca F. Schoonover

Vice President & Financial Advisor

Rebecca F. Schoonover

Rebecca Schoonover serves as Vice President & Financial Advisor and has over 17 years of experience in the financial services industry.  She holds Series 7, Series 63, and Series 66 Registrations as well as Life and Health insurance licenses.

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Debbi Swiger

Deborah L. Swiger

Vice President & Chief Operations Officer

Deborah L. Swiger

Debbi Swiger serves as Vice President & Chief Operations Officer and has been employed at Citizens for over 12 years.  She oversees our bank and branch operations.  She earned a B.A. in History and B.A. in Sociology from Davis & Elkins College and is enrolled in the WV Bankers School.

Debbi is a volunteer with Relay for Life and is a member of TopNet – a collaboration of West Virginia bankers.

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Stephanie Ward

Stephanie S. Ward

Vice President & Business Development Officer

Stephanie S. Ward

Stephanie Ward serves as Vice President & Business Development Officer and has more than 30 years of experience in financial services.

She is a graduate of WV School of Banking and Lloyd P. Calvert Graduate School of Banking and School of Computer Technology. She is currently earning a Small Business Banker Certificate through the American Bankers Association. She is a member of the Buckhannon-Upshur Retail Merchants Association (BURMA).

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Chasity Pennington

Chasity L. Pennington

Assistant Vice President & Controller/BSA Officer

Chasity L. Pennington

Chasity Pennington serves as Assistant Vice President & Controller/BSA Officer and has been employed at Citizens for fifteen years.  She earned a B.S. in Accounting from Davis & Elkins College.

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Laura Simons

Laura K. Simons

Assistant Vice President of Deposit Operations & Facilities

Laura K. Simons

Laura Simons serves as Assistant Vice President of Deposit Operations & Facilities and has been employed at Citizens since 2000.

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Melissa Stalnaker

Melissa D. Stalnaker

Assistant Vice President & Human Resources Officer

Melissa D. Stalnaker

Melissa Stalnaker serves as Assistant Vice President & Human Resources Officer and rejoined the Citizens staff in 2017. She is a member of TopNet – a collaboration of West Virginia bankers.

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