OKLAHOMA
Main Banking Center | 1901 N. Commerce, Ardmore, OK 73401
JESSE CROSS | CHAIRMAIN OF THE BOARD
NMLS #793144
Jesse is the founder and face of American Nation Bank, established in 1983. Jesse is a commonsense banker with knowledge in all facets of banking. His sense of wit, lifetime banking experience, and genuine care for customers and the community make him a TRUE LEADER. Jesse is an avid baseball fan (Go Cubs!) and will be glad to talk baseball with you any day.
PAT MCCULLOUGH | OKLAHOMA PRESIDENT
NMLS #703982
Pat is a graduate of Southeastern Oklahoma State University and the Southwestern Graduate School of Banking. He has been a lender many years in Southern and Southeast Oklahoma and serves American Nation Bank as its Oklahoma President. His cordial, professional, and warm way of doing business attracts repeat customers year after year. As many say, “He’s just a nice guy and a good banker.” In his spare time, Pat leads a busy life with his wife and family—having 4 daughters and 11 grandchildren keeps POPS busy!
ERIC J. HOLQUIN | ARDMORE MARKET PRESIDENT
NMLS #704201
Eric graduated from Plainview High School in 2004. He later graduated from Oklahoma State University and University of Central Oklahoma while furthering his banking career. In addition, he has completed the Stagen Leadership Academy’s Integral Leadership Program. Eric brings many years of banking experience to his client and community in Oklahoma and North Texas. A leader in the community, Eric has served many non-profits and organizations throughout Oklahoma and North Texas. In 2012, he was awarded the Ardmore Young Professionals Rising Star award, as well as being named to the Journal Records list of Achievers Under 40 in 2013. Eric and his wife enjoy college sports (specifically anything bedlam related), OKC Thunder basketball, and traveling. Eric is a member of Christ Community Church, where Eric serves as an elder.
CHARLES LOCKWOOD, VP | LOAN OFFICER
NMLS #500333
“Charley” is ANB’s agricultural lender. Charley lives in Ringling but offices in the main bank on North Commerce in Ardmore. Charley and family have been in ranching their whole lives. When you talk to Charley, you’re talking to someone who knows the cattle and crop industry. Charley is non-intimidating to Ag customers because he talks their language and knows what the markets are doing. When Charley’s off the clock, he’s still working—working cattle, pecans, or helping in the family’s local grocery in Ringling.
BETSY WRIGHT, VP | LOAN OFFICER
NMLS #703824
Betsy received her Bachelor’s and Master’s in Business Education and minored in Management at Southeastern Oklahoma State University. Betsy has been a longtime lender in Southern and Southeastern Oklahoma. She loves helping you with any type of loan but particularly real estate—where she can explain in common sense terms the ins and outs of a mortgage loan. Betsy’s friendly face and good advice to customers is immeasurable. When Betsy’s not at the bank, you’ll find her working in her yard, tending to her pets, or cooking for and entertaining grandchildren.
DARYL STEELE, VP | BANKING CENTER MANAGER | LOAN OFFICER
NMLS #807704
Daryl’s many years of experience in the financial sector and knowledge of lending and banking operations make him your all-around banker. Daryl and wife Shannon are homegrown Ardmoreites and are raising their 2 children in the same great atmosphere where they were raised. After graduating from Plainview High School in 2001, Daryl received his Bachelor of Arts in Criminal Justice with a Minor in Counseling and Master of Science in Human Resources with a focus in Administration from East Central University in Ada, OK. Daryl has made it a personal goal to be a leader in educating teens, young adults and other members of his community in the importance of financial literacy. Whether he is volunteering with PIE (Partners in Education) or visiting the local high schools to speak about financial stability, he understands the importance of strong financial knowledge.
JUDY ARMSTRONG, VP | LOAN OFFICER
NMLS #480943
Judy is well known and respected as “Jesse’s right-hand person” and a loan officer. Judy’s the best at prompt and professional service. She has been a Carter County resident and banker her entire working life and now resides in Lone Grove. She enjoys working in her greenhouse and helping her husband fix up and show antique cars.
MISTY MENDENALL, AVP
NMLS #480597
Misty was raised in Ardmore, Oklahoma, graduated from Plainview High School, and received her Bachelor’s degree from Southeastern State University in Durant, OK. She has many years banking experience at ANB and is currently Assistant Vice President. She is an active member of Trinity Baptist Church and volunteer to Relay for Life.
Comanche Banking Center | 133 Oak Main, Comanche, OK 73529
DELL FARRIS, VP | LOAN OFFICER
NMLS #486443
Dell has been with American Nation Bank since 2010. Dell is a seasoned banker who handles business practically. He makes all types of loans but specializes in Agricultural lending. Dell grew up on his family’s farm and cattle operation located near Comanche, OK, and earned a degree from Oklahoma State University in Agricultural Economics and Finance. He is a super genuine guy, a gentleman, a farmer and a well-respected banker. Dell is very active in the Comanche Chamber, Stephens County Farm Bureau, Stephens County Livestock Growers Association, and the First Baptist Church. He is passionate about his family, the family farm, production agriculture, and photography.
Durant Banking Center | 3018 W. University Blvd, Durant, OK 74701
AARON RIZZO, AVP | LOAN OFFICER
NMLS #2594698
Before becoming a loan officer, Aaron served the bank in many different roles while getting his diploma from Lone Grove High School and his degree in business administration from Southeastern State University. In Aaron’s free time, he loves to golf, fish, work out, and play basketball.
MATT RIZZO, AVP | LOAN OFFICER
NMLS #2899928
Matt is a Loan Officer in the Durant Banking Center. He brings more than 14 years of leadership and customer service experience, including three years in banking and 11 years in telecommunications. Matt enjoys building relationships, serving customers, and supporting the communities of Southern Oklahoma. Faith and family are at the center of his life, and he enjoys spending time with loved ones and playing golf.
Lone Grove Banking Center | 6295 W. Broadway, Ardmore, OK 73401
DARRYL HOWARD, SVP | LOAN OFFICER
NMLS #481095
Darryl grew up in Lone Grove, received his accounting degree at East Central University, and has been a lender many years in the Ardmore/Lone Grove area. Darryl knows and loves everyone in the area, and everyone in the area knows and loves Darryl; Darryl is very active in the community. Customers find Darryl is genuine, compassionate, and knowledgeable. In his spare time, Darryl and family enjoying singing gospel music and even have an multi-family singing event each year.
Marietta Banking Center | 1003 Memorial Dr, Marietta, OK 73448
Patty Bone, VP | LOAN OFFICER
NMLS #411036
Patty Bone is a seasoned loan officer and bank manager with over 27 years of home-town banking experience. Patty is well known in Marietta and is active with the Marietta Lions Club, Love County Frontier Days Committee, Love County Industrial Foundation Board, and Love County Health Center Foundation Board. She and husband Chuck of 38 years love to spend as much time as possible with their son Jeremy, daughter-in-law Lauren, and two grandsons.
South Commerce Banking Center | 1117 S. Commerce, Ardmore, OK 73401
RYAN LANGFORD, VP | LOAN OFFICER
NMLS #2388150
Ryan has nearly 20 years of banking experience in commercial lending, credit administration, portfolio management, collections, and branch leadership. A lifelong resident of the Ardmore area, he is actively involved in the community and currently serves on the boards of the Ardmore Chamber of Commerce, Southern Oklahoma Real Estate Investors Association, CASA of Southern Oklahoma, and Carter County Group Homes. He is also a member of the Kiwanis Club of Ardmore. Ryan enjoys spending time with family, being active in his church and community, golfing, kayaking, and reading.
Wilson Banking Center | 1251 US Highway 70A, Wilson, OK, 73463
VANISSA ROZZELL, AVP | LOAN OFFICER
NMLS #2031616
Vanissa began her banking career with ANB while still in high school as a teller. After graduating from Ringling High School, she furthered her education at East Central University, earning a Bachelor's degree in Family Consumer Science-Retail Merchandising with a certificate in Business Entrepreneurship. Upon graduating from ECU in 2017, Vanissa joined ANB's Lone Grove Banking Center as a Loan Secretary. She has continued her banking education through OBA school, completed consumer real estate compliance training, and earned a certification in commercial lending. Vanissa enjoys networking with customers and building long-term relationships. She and her family are active members of the Ringling community. When she isn't banking, you can find her crafting, cheering on her hometown Blue Devils, and spending time with family.
TEXAS
Keller Banking Center | 975 Keller Parkway, Keller, TX 76248
LYNDON THOMAS | TEXAS PRESIDENT
NMLS #486551
Lyndon is a graduate of Midwestern State University in Wichita Falls, Texas, and has extensive experience in both consumer and commercial lending. He works with a variety of loan types and has particular expertise in commercial and SBA lending. Lyndon is committed to building strong customer relationships and helping clients identify financing solutions that meet their goals. When he's not at the bank, you might find him climbing a mountain.
NATHAN THOMAS, VP | LOAN OFFICER
NMLS #1881754
Nathan Thomas is a Commercial Lender/Loan Officer in Keller and Saginaw, Texas. He graduated from Dickson High School in Ardmore, Oklahoma, Evangel University in Springfield, Missouri, and Barrett Graduate School of Banking in Memphis, Tennessee. Nathan’s education in the media/advertising/public relations/sports reporting arena and his years of managing one of ANB’s busiest branches, makes him a well-versed banker. When he is not at the bank, he’s active with the Lions Club, church, family, and hobbies - aviation, exercising, fishing, football, golfing, hunting, and triathlons.
Saginaw Banking Center | 825 N. Saginaw Blvd, Saginaw TX 76179
SHAYNA MEEHAN, AVP | LOAN OFFICER
NMLS #1545186
Bio Coming Soon.