Our Employees See Us As Family.
Our Customers See Us As Better.

Merchants Bank’s cutting edge products and services make the most of your time and money. But how many banks make real time for you? At Merchants Bank of Alabama, you see the same people year after year. You never get the run-around that you do at banks where employment is a revolving door. Instead we keep our door open, so you can talk to any employee up to the CEO to get where you need to be.

As Executive Vice President and CFO Clark Rainwater said, “In today’s competitive environment we have to establish an atmosphere of integrity and earn the trust of our customers. It’s about local relationships, and being a trusted advisor, whether it’s the right loan structure or the right deposit account that meets their specific needs. The ‘cookie cutter’ approach doesn’t always work. From the bottom to the top, the Merchants Bank family tries to make customers feel welcome and treated in a respectful manner, as they would want to be treated themselves.”


Christopher N. Borden
PharmD, RPh  Borden Family Pharmacy and Market Shoppe

Billy W. Fletcher
Businessman and Farmer

S. Wayne Fuller
Vice Chairman of the Board, Partner-Fuller, Willingham & Carter, LLC  

Steven R. Glasscock
Chairman of the Board, Businessman

Reba D. Miller
Secretary of the Board, Businesswoman

Judy P. Butler
Vice Chairman of the Board, Businesswoman

Andrew J. Ratliff
Owner, Farmers Poultry Supply, Inc.

John T. Williamson
DVM, Veterinarian



Charles R. NeSmith
Chief Executive Officer/President, Senior Lending Officer

W. Clark Rainwater
Executive Vice President, Chief Financial Officer

LaRue Brock
Senior Vice President, Loans and Marketing

Hollie Bryan
Senior Vice President, Compliance Officer and Credit Review

Jenny Clark
Senior Vice President, Human Resources and Administration

Kim Dockery
Senior Vice President, Silver Spirit Director and Digital Marketing

Kerry Hanvey
Senior Vice President, Operations

Laura Johnson
Senior Vice President, Internal Auditor

Raymond Williams
Senior Vice President, Retail Lending Manager and Security Officer

Jeff Yarbrough
Senior Vice President, Information Technology and Information Security Officer

Ellen Burns
Vice President, Loans

Debbie Garrison
Vice President, Arab Operations Manager

Glenda Hardiman
Vice President, Loan Operations

Melissa Henderson
Vice President, Investment Services

Michelle Kimbrough
Vice President, Mortgage Lending Manager

Eric C. Laney
Vice President, Hanceville Loan Manager

Angie Lanier
Vice President, Hwy 157 Fairview Loan and Operations Manager

Brandon McCain
Vice President, Arab Loan Manager

Samuel McCord
Vice President, Commercial Lending Manager

Connie McDonald
Vice President, BSA & OFAC Compliance Officer

Sandy Parker
Vice President, Hanceville Operations Manager

Ross West
Vice President, Loans




Merchants Bank

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