Our Local Lenders

Meet the branch leadership and loan officers of 1NB who are committed to helping Oklahomans achieve their financial goals.

Ardmore Main Branch

405 W Main St, Ardmore, OK
Clayton Richard Lodes

Clayton Richard Lodes

Chief Executive Officer

MLO #411027

Clayton is a graduate of East Central University and became a CPA in 1983. He practiced public accounting for over 20 years before joining 1NB in 2002 and established our Sulphur branch in 2003.  Clayton moved his family to Ardmore in 2005, assuming duties as Executive Vice President and Chief Credit Officer.  He became President and a member of the Board of Directors in 2016 and was named Chief Executive Officer in 2022.  Clayton has been active in many civic and professional organizations and currently serves on the Board of Directors of The Banker’s Bank in Oklahoma City and the REI Oklahoma Board of Directors in Durant. He and his wife, Bebe, enjoy volunteering for several civic and charitable organizations and especially enjoy spending time with three children and five grandchildren.

Jacob Howard Charnock

Jacob Howard Charnock

President

MLO #411042

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. 

Jason Roberts

Jason Roberts

Senior Vice President

MLO #718620

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.

Sherri Irene Way

Sherri Irene Way

Vice President

MLO #1713084
Sherri began her banking career at First Community Bank in 1985. She began her career as a teller, having also worked in transaction services. She currently works as a loan officer at our main bank in Ardmore. Sherri enjoys working with all of the great people 1NB has brought into her life. From the directors and coworkers to her customers.
Jordan Gary

Jordan Gary

Vice President

MLO #2252286
Jordan attended Oklahoma State University, earning his Bachelor of Business Administration in Economics with a minor in Management. After graduation, he worked as a Landman for an oil and gas broker in Ardmore. He made a career shift after nine years to become a banker. Jordan worked as a credit analyst before becoming a consumer loan officer. Jordan has always enjoyed watching the Ardmore community thrive. He is an active member of the Merrick Drive Church of Christ, serves on the board of the YMCA as well as Ardmore Habitat for Humanity. He and his wife, Kaleigh have been married for six years and enjoy watching Carson, their eighteen-month-old son, grow up. In his free time, Jordan enjoys spending time with his family outdoors. He can easily be found hunting, fishing or traveling to his next bucket list destination.
Karen Wallace

Karen Wallace

Vice President

MLO #703909

Karen Wallace is a seasoned community banker hailing from Ardmore, OK, with roots in Tishomingo. Commencing her career in 1994, she swiftly ascended through various roles, including Teller, New Accounts, Loan Assistant, Loan Officer, and ultimately Branch Manager. Karen’s expertise in lending blossomed in 2008, culminating in a 16-year tenure as Branch Manager, where she honed her leadership and financial acumen.

Outside of her professional endeavors, Karen finds joy in her family life, blessed with two cherished children; Karlie Gragg and Caleb Gragg.

Karen’s commitment to community extends beyond banking, as she actively participates in the Arbuckle Sunrise Rotary. An avid outdoor enthusiast, she relishes in running and cherishes time spent with her beloved pets – three dogs and two cats. With a rich tapestry of experiences and a dedication to excellence, Karen Wallace exemplifies leadership both within the banking sector and her community.

Ardmore Broadway Branch

1226 W Broadway St, Ardmore, OK
Rebecca Graves

Rebecca Graves

Vice President, Branch Manager

MLO #1591062

Ardmore 12th Street Branch and Mortgage Center

1402 NW 12th St, Ardmore, OK
Karen Zeiset

Karen Zeiset

Senior Vice President, Branch Manager

MLO #411546

Edmond Branch

1763 W. 33rd Street  Ste. # 120, Edmond, OK  73013

Jim Canton

Jim Canton

Senior Vice President, Branch Manager

MLO #644047

Lone Grove Branch

US-70 & Newport Rd, Lone Grove, OK
Brent James Wade

Brent James Wade

Senior Vice President, Branch Manager

MLO #411033
Brent is a graduate of Ringling High School and earned his Bachelor of Science degree from Southeastern Oklahoma State University. He began his banking career in Lone Grove in 1994 serving as a teller and became a loan officer in 2000. Brent has deep roots in agriculture and can offer worthwhile advice to people who depend on it. He and his wife Angela have three children.
Cara Jolea Stubbs

Cara Jolea Stubbs

Vice President, Assistant Branch Manager

MLO #1469174

Madill Branch

401 S 1st St, Madill, OK
Sam E. Huffman

Sam E. Huffman

Senior Vice President, Madill Market President

MLO #468550
Tara Ann Roberts

Tara Ann Roberts

Vice President, Assistant Branch Manager

MLO #1829850
Kimberly Reid

Kimberly Reid

Assistant Vice President

MLO #2390559
Kim earned her degree from the University of Central Oklahoma. Kim has been in the banking industry for nine years and joined 1NB in 2022. Kim’s current role is as a loan officer at our Madill branch. She has completed Consumer Lending School and Intermediate Banking School at the Oklahoma Banker’s Association. She and her husband, Jamon, live in Kingston and have three beautiful children.

Marietta Branch

1101 Memorial Dr, Marietta, OK
Lindsey Nicole Custar

Lindsey Nicole Custar

Vice President, Branch Manager

MLO #2311633
Chad Darrin Rutledge

Chad Darrin Rutledge

Assistant Vice President

MLO #1591841

Norman Branch

716 Wall St, Norman, OK
Jason Daniel Casey

Jason Daniel Casey

Senior Vice President, Chief Credit Officer

MLO #480452
Vicki Lynn Anderson

Vicki Lynn Anderson

Vice President, Norman Branch Manager

MLO #1394724

Ringling Branch

125 W Main St, Ringling, OK
Dea Ann Butler

Dea Ann Butler

Vice President, Branch Manager

MLO #1211322

Sulphur Branch

2013 W Broadway Ave, Sulphur, OK
Robin Kelly Jolly

Robin Kelly Jolly

Vice President - Branch Manager

MLO #: 2571311

Robin is a graduate of the University of Oklahoma and subsequently passed the certified public accounting accreditation in the State of Oklahoma. She began her practice in 1989 and has more·than 35 years experience in public accounting. Robin specialized in income tax preparation and planning, particularly agricultural issues involving horses and cattle, and small business.

Prior to joining 1NB Robin was a shareholder and full-time managing member of Abla & Jolly CPA, PLLC in Sulphur, Oklahoma. She was responsible for all aspects of the firm’s public accounting and income tax services.

Robin is a member of the AICPA, OSCPA, and NCHA and has served as the Treasurer and past President of the Board of Directors for the Sulphur Chamber of Commerce. She is a founding member and currently serves on the Board of Directors for the Murray County Charitable Endeavors Foundation and teaches 4 year old Sunday School at Cross Way Church where she and her husband are active.

Robin and her husband, Steven have three grown children and four grandchildren. In her spare time, she enjoys riding cutting horses, running, pickleball, sports, teaching Christian financial principles. and any activities with her kids and grandkids.

Velma Branch

401 Main St, Velma, OK
Zachry Kent Pogue

Zachry Kent Pogue

Senior Vice President, Branch Manager

MLO #411041
Zac is a graduate of Velma-Alma High School and earned his Bachelor’s degree in Animal Science from Oklahoma State University with a minor in Agricultural Economics. Zac also completed the Ranch Management program at Texas Christian University. He joined 1NB in 2008 and is currently Vice President and Velma Branch Manager. Zac also operates Pogue Brothers Cattle Co., LLC with his brother Adam. He has served as President of the Stephens Co. Livestock Growers and is a member of the Oklahoma Cattlemen’s Association, the Texas and Southwestern Cattle Raisers Association and the National Cattlemen’s Beef Association. Zac has completed his first year of the Graduate School of Banking in Colorado. He is a member of the Velma Baptist Church and is an active member of his community.
Kathryn Ann Pulis

Kathryn Ann Pulis

Assistant Vice President

MLO #411039
Kathy grew up in Fox, Oklahoma and is a graduate of Fox High School. She has been in banking since 1979 working as a teller and loan secretary as well as holding positions in bookkeeping and credit files. She is currently a loan officer and Assistant Vice President at the 1NB Velma branch. Kathy is a member of the Velma Lions CLub and the Fox Baptist Church. Kathy and her husband Arron have one son.

We’re Here to Help

Do you have questions about our dynamic loan options? Send us a message and discover how 1NB can help you reach your financial goals.
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First National Bank and Trust Company of Ardmore Inc

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