Community Bank Executive and Leadership Team

July, 2026

Leadership Overview

Community Bank has 10 executives leading key functions including strategy, technology, and operations.

Driven by a commitment to community growth, Community Bank provides comprehensive financial services, leveraging its extensive network and employee base to foster economic development across its operating regions.

Leadership Roles at Community Bank

  • Chief Executive Officer - David Barnett
  • President & Chief Executive Officer - Justin Martin
  • President & Chief Executive Officer - Freddie Bagley
  • Chief Operating Officer - Chance Carter
  • President - Jonathan Rhea
  • President Okaloosa County Division - Justin Woodard
  • President, Mortgage Division - Ralph Hays
  • President, Bay County Market - Ty Johnson
  • President-George County - Amy Delcambre
  • Chief Technology Officer - Tim Phillips
  • David Barnett - Chief Executive Officer

    David Barnett, the Chief Executive Officer at Community Bank, directs the overarching corporate strategy and financial planning. Barnett's leadership ensures the bank's sustained growth and market positioning within the finance sector. Overseeing all major strategic initiatives, Barnett drives the bank's expansion efforts and maintains strong relationships with stakeholders. The Chief Executive Officer's role involves setting the long-term vision for Community Bank, guiding its operational framework to achieve over $3.3 billion in assets. David Barnett's executive decisions impact the bank's 800+ employees and its presence across four states, solidifying its reputation as a comprehensive financial services provider.

    Justin Martin - President & Chief Executive Officer

    Justin Martin, the President & Chief Executive Officer at Community Bank, executes the strategic vision and operational directives. Martin's focus centers on enhancing the bank's financial performance and expanding its service offerings. Directing daily operations, Martin ensures seamless integration of services across all divisions, supporting the bank's asset base exceeding $3.3 billion. The President & Chief Executive Officer's responsibilities include fostering innovation in financial products and maintaining regulatory compliance. Justin Martin's leadership guides the bank's 800+ employees, driving efficiency and client satisfaction across its four-state footprint.

    Freddie Bagley - President & Chief Executive Officer

    Freddie Bagley, the President & Chief Executive Officer at Community Bank, spearheads strategic growth and market penetration initiatives. Bagley's leadership is crucial for navigating the competitive financial landscape and enhancing the bank's service delivery. Overseeing key market expansion projects, Bagley ensures alignment with the bank's mission of providing comprehensive financial services. The President & Chief Executive Officer's role involves cultivating strategic partnerships and driving revenue growth. Freddie Bagley's influence extends to the bank's 800+ employees, reinforcing its strong presence across four states and its commitment to community development.

    Chance Carter - Chief Operating Officer

    Chance Carter, the Chief Operating Officer at Community Bank, manages the day-to-day operational efficiency and service delivery. Carter's oversight ensures the smooth functioning of all banking processes, supporting the bank's substantial asset base of over $3.3 billion. Directing the implementation of operational strategies, Carter focuses on optimizing workflows and enhancing employee productivity across the organization. The Chief Operating Officer's responsibilities include streamlining internal systems and ensuring compliance with industry regulations. Chance Carter's leadership is vital for maintaining the bank's operational integrity and supporting its 800+ employees across four states.

    Jonathan Rhea - President

    Jonathan Rhea, the President at Community Bank, leads strategic initiatives for key market segments and drives regional growth. Rhea's focus is on expanding the bank's client base and enhancing its service offerings within its operational territories. Directing market-specific strategies, Jonathan Rhea ensures the bank's financial products meet the diverse needs of its customers across four states. The President's role involves fostering strong community relationships and overseeing business development efforts. Jonathan Rhea's leadership contributes significantly to the bank's overall asset growth and its reputation as a trusted financial partner.
    Jonathan Rhea

    Justin Woodard - President Okaloosa County Division

    Justin Woodard, the President Okaloosa County Division at Community Bank, spearheads regional operations and client engagement within Okaloosa County. Woodard's leadership focuses on strengthening the bank's presence and service delivery in this specific market. Overseeing all divisional activities, Justin Woodard ensures alignment with the bank's broader strategic objectives and financial targets. The President Okaloosa County Division's responsibilities include driving local business development and managing customer relationships. Justin Woodard's dedicated focus on this division contributes to the bank's overall success and its commitment to serving local communities.
    Justin Woodard

    Ralph Hays - President, Mortgage Division

    Ralph Hays, the President, Mortgage Division at Community Bank, directs the strategic growth and operational excellence of the mortgage lending services. Hays's expertise is pivotal in expanding the bank's mortgage portfolio and ensuring competitive product offerings. Overseeing all aspects of mortgage origination and servicing, Ralph Hays drives efficiency and client satisfaction in this critical sector. The President, Mortgage Division's role involves managing risk, fostering innovation in lending products, and ensuring regulatory compliance. Ralph Hays's leadership strengthens Community Bank's position in the mortgage market.

    Ty Johnson - President, Bay County Market

    Ty Johnson, the President, Bay County Market at Community Bank, leads market-specific strategies and client relationship management within the Bay County region. Johnson's focus is on enhancing the bank's local market share and delivering tailored financial solutions. Directing all market operations, Ty Johnson ensures the bank's services effectively meet the needs of the Bay County community. The President, Bay County Market's responsibilities include driving regional business growth and fostering strong customer loyalty. Ty Johnson's dedicated leadership strengthens Community Bank's presence and impact in this key market.

    Amy Delcambre - President-George County

    Amy Delcambre, the President-George County at Community Bank, manages regional operations and client services within George County. Delcambre's leadership is focused on deepening the bank's community ties and expanding its service reach in this specific area. Overseeing divisional performance, Amy Delcambre ensures strategic objectives are met and client needs are proactively addressed. The President-George County's role involves driving local market growth and maintaining high standards of customer service. Amy Delcambre's commitment to the George County market reinforces Community Bank's dedication to localized financial support.
    Amy Delcambre

    Tim Phillips - Chief Technology Officer

    Tim Phillips, the Chief Technology Officer at Community Bank, architects the bank's technological infrastructure and digital transformation strategies. Phillips drives innovation in financial technology, ensuring secure and efficient service delivery to clients. Overseeing the development and implementation of cutting-edge IT solutions, Phillips enhances the bank's digital capabilities and operational resilience. The Chief Technology Officer's role involves managing cybersecurity protocols and integrating new technologies to support the bank's growth objectives. Tim Phillips's expertise is critical for maintaining Community Bank's competitive edge and supporting its 800+ employees.

    Explore Leadership Teams in Banking

    Frequently Asked Questions Regarding Community Bank Top Executives and Leadership Team

    Who leads Community Bank?
    Community Bank is led by David Barnett (Chief Executive Officer), along with executives such as Justin Martin (President & Chief Executive Officer) and Freddie Bagley (President & Chief Executive Officer).
    Who is part of Community Bank’s executive team?
    The executive team of Community Bank includes leaders such as David Barnett (Chief Executive Officer), Justin Martin (President & Chief Executive Officer), Freddie Bagley (President & Chief Executive Officer) and other senior executives.
    How many executives does Community Bank have?
    Community Bank has 10 executives leading key business areas.
    What roles are included in Community Bank’s leadership team?
    The leadership team of Community Bank includes roles such as Chief Executive Officer, President & Chief Executive Officer, President & Chief Executive Officer, Chief Operating Officer, President.