Loan Officers

Stephen McRea, NMLS #1234235

Senior VP of Commercial Lending

With over twenty years of experience in the financial industry, Stephen brings a level of expertise in commercial real estate and commercial lending. Stephen has years of experience managing both retail and commercial lending operations. Call today and let Stephen be your Hometown Business Partner.

“I’m here for you. When you think of growing your business or buying your new home, the only two names you need to know are First Community Bank and Stephen McRea.” Stephen McRea

420 2nd Ave SW
Cullman, AL 35055
First Community Bank NMLS# 879526
Phone: (W) (256) 737-8904 (C) (256) 339-8326
Fax: 256-737-8900
[email protected]

Brandi Trimble Chaffin, NMLS #416242

VP of Mortgage Lending

With over ten years of experience in the mortgage/secondary market business, Brandi is extremely knowledgeable with a variety of mortgage loan products, including USDA, FHA, VA and Conventional loan programs.  Brandi knows buying a home can be stressful, and she wants to walk with you through the entire process.  Brandi is dedicated to finding you the right mortgage that fits your needs and provides you with competitive rates and terms.  Call today and let Brandi be your Hometown Lender.

“Working with my customers and seeing them get the keys to their new home…that’s what I love about my job.” Brandi Chaffin

420 2nd Ave SW
Cullman, AL 35055
First Community Bank NMLS# 879526
Phone: (W) (256) 737-8911 (C) (256) 339-8424
Fax: 256-737-8900
[email protected]

Austin Barnett, NMLS #1852399

Consumer Lender

First Community is excited to announce Austin Barnett as Consumer Lender.  Austin is excited about his new career venture and looks forward to helping you purchase a vehicle, consolidate credit card debt, or even fund your home improvement project.  Stop by and let Austin be your new Hometown Lender!

“Whatever you need, I am here for you!” Austin Barnett

420 2nd Ave SW
Cullman, AL 35055
First Community Bank NMLS# 879526
Phone: (W) (256) 737-8912 (C) (256) 590-4872
Fax: 256-737-8900
[email protected]

Ethan Ponder, NMLS #1744321

Consumer Lender

With years of experience in mortgage and secondary market lending, Ethan has a vast knowledge of mortgage loan products, including USDA, FHA, VA and Conventional loans.  Understanding that buying a home can often be a stressful and complicated process, Ethan strives to keep his customer’s needs in mind and go above and beyond to ensure a great experience.  Call Ethan today and let him be your Hometown Lender.

“I will go above and beyond to make sure you have a great home buying experience!”  Ethan Ponder

420 2nd Ave SW
Cullman, AL 35055
First Community Bank NMLS# 879526
Phone: (W) (256) 736-6374 (C) (256) 531-4438
Fax: 256-737-8900
[email protected]