Our Local Lenders

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.

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.