The dedicated leaders at 1NB are proud to serve the people and businesses of Ardmore and southern Oklahoma. With decades of combined financial experience, our leadership team is committed to sustaining our communities.
Clayton Richard Lodes

Clayton Richard Lodes

Chief Executive Officer

About Clayton
Clayton is a graduate of East Central University and became a CPA in 1983. He managed a successful public accounting practice in the Sulphur area before joining 1NB at our Sulphur branch. In 2005, Clayton moved to our main branch in Ardmore, assuming the duties of EVP and Chief Credit Officer. Clayton completed education at the National Commercial Lending School and the Graduate School of Banking at Colorado. He has been active in many civic and professional organizations and currently serves on the Mercy Hospital Ardmore Board of Directors and Ardmore Chamber of Commerce Board of Directors. He and his wife Bebe have three children and four grandchildren.

MLO #411027

Jacob Howard Charnock

Jacob Howard Charnock

President & Chief Credit Officer

About Jake

Jake Charnock has been with 1NB since 2004 serving in the lending department, most recently in the capacity as Chief Credit Officer. Having earned an undergraduate degree in Accounting as well as an MBA degree from West Texas A&M University, Jake completed the Graduate School of Banking in 2013. Jake is a graduate of Leadership Ardmore and currently serves on the board of the following: Ardmore Development Authority, Ardmore Regional Park Authority, The More Foundation and Community Bankers Association of Oklahoma.  He and his wife Julie have two daughters, Brooklyn and Presley, and are members of Emmanuel Baptist Church. 

MLO #411042

Matthew Farve

Matthew Farve

Sr. Vice President & Chief Operations Officer

About Matthew

Matthew Farve, Senior Vice President and Chief Operations Officer, was born in 1975.  Matt graduated from Lone Grove High School in 1993.  He started his banking career with First Community Bank in Lone Grove as a Proof Operator in 1994 before moving to Norman and working for Boatmen’s Bank (and, through mergers, Bank of America) in Oklahoma City as a proof operator.  He went on to become an Operations Officer in Item Processing Support before moving back to Ardmore in 2000 and coming to work for First National Bank.  Matt is a 2018 graduate of the Southwest Graduate School of Banking and is an AAP and NCP as well as a graduate of Leadership Ardmore.  Matt oversees the Transaction Services Department, Digital Banking Department, Physical Security, Deposit Operations including Client Services and Teller operations.  He and his wife, Christy, have two sons, Mattie who attends Oklahoma State University and Hayden who attends Lone Grove High School.  They attend Christ Community Church in Ardmore where he serves as a deacon.

Glenn Payne III

Glenn Payne III

Sr. Vice President & Chief Financial Officer

About Glenn

Glenn Payne III has been with 1NB since 2020. His most recent capacity is as serving as the Chief Financial Officer. Prior to banking, Glenn worked as an auditor.  Mr. Payne earned a bachelor’s degree in Accounting from Oklahoma Christian University before going on to pass the Certified Public Accounting exam. Glenn is currently a student at the Southwest Graduate School of Banking at SMU. When he isn’t banking, Glenn can be found golfing, hunting, or fishing. However, his favorite pass time is to spend time with his wife, Hayley, as they watch their son Miles grow up.

Laura Kidd

Laura Kidd

Sr. Vice President & Compliance Officer

About Laura
Laura began her banking career in 1979 and has worked for 1NB in various departments, including Lending, Internal Audit, Human Resources and Training since March 1991. She has served as 1NB’s Compliance Officer since 2002 and received her Certified Regulatory Compliance Manager Certification in 2006. When Laura isn’t banking, you may find her on the golf course or playing with her 2 grandchildren.
John Veazey

John Veazey

Executive Vice President & Trust Officer & General Counsel

About John
John currently serves as Senior Vice President, General Counsel and Trust Officer of First National Bank and Trust Company of Ardmore. Prior to joining the bank in 2010, he was in private practice as an attorney with the law firm of Thompson, Cawley, Veazey and Burns, P.C. He holds a BBA in Finance from Texas Christian University and a Juris Doctorate from the University of Oklahoma. Mr. Veazey serves as a board member of Mercy Hospital Ardmore, Inc., Community Foundation of Ardmore, Inc., the Noble Education Fund Scholarship Committee, and the Advisory Board of the Salvation Army of Ardmore. He serves as Treasurer of the Carter County Bar Association and as an Associate Examiner for the Oklahoma Board of Bar Examiners. He is a member of First Baptist Church of Ardmore. In his free time, John enjoys fishing, golf, and coaching any sport his daughter wants to try.
Jason Roberts

Jason Roberts

Sr. Vice President & Chief Lending Officer

About Jason

Jason is a native of Wilson and graduated from Wilson High School. He attended and graduated from Southeastern Oklahoma State University with a Bachelor of Business Administration degree. He began his banking career as a part-time teller during his college years and has been in banking for 20 years and a loan officer for 17 of those years. He has attended numerous bank seminars and joined 1NB as a vice president and loan officer in February 2020. Jason can assist you with all your commercial and personal lending needs. Jason attends Christ Community Church and has been married to his wife Mandy for 15 years and has one son Cooper. In his spare time, Jason enjoys fishing, hunting and watching his son play sports.

MLO #718620

Ryan Youderian

Ryan Youderian

Sr. Vice President & Marketing Research Director

About Ryan
Native to southern Oklahoma, Ryan attended Ardmore City Schools, having graduated from Ardmore High School. After graduation, Ryan studied at the University of Oklahoma where he graduated with a BBA degree in Management Information Systems. He spent the first few years after graduation working for Williams Energy of Tulsa. Soon an opportunity gave Ryan the chance to move back home, to Ardmore, when he accepted a job at the Samuel Roberts Noble Foundation in the IT department. Ten years later, 1NB offered Ryan the perfect blend and an opportunity to utilize his business, community involvement, and technology skills. His day-to-day still involves some level of IT, predominately on the customer level. Having been at 1NB since 2010, Ryan has assisted with the technology solutions that 1NB offers our customers today. In his role as the Market Research Director, Ryan will continue to expand on client and product development, along with developing strategies that help the marketing department continue to move into the digital age. During Ryan’s time at 1NB, he completed the graduate school of banking program from Southern Methodist University. Ryan has enjoyed watching the Ardmore community flourish, to contribute he volunteers as a board member for The Salvation Army, Sunshine Industries, Mercy Memorial Foundation and Community Foundation of Oklahoma scholarship committee. Ryan has been married to his wife Lori for 23 years. They have 2 daughters, Addison who attends the University of Oklahoma and Lauren who is a sophomore at Plainview High School.

Discover Better Banking With 1NB

Reach out to 1NB today to learn more about our top-of-the-line financial services and find out what 1NB can do for you.
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Main Branch:
405 West Main Street
Ardmore, OK 73401
Helpful Support Numbers

Lost/Stolen Debit Card: 1-800-523-4175
Debit/ATM Card Activation: 1-866-985-2273
PIN Change: 1-866-985-2273