Cape Haze Branch

Joe graduated from Venice High School and later pursued an associate degree in business management from Manatee Community College, now named State College of Florida, Manatee-Sarasota. Joe’s banking career includes experience in residential and commercial lending and branch management. Directly before joining the Bank, he worked to build relationships as a Commercial Banker with another financial institution in the Venice area.

A Charlotte County resident, Joe is involved in the community as a member of the Lemon Bay Sunrise Rotary Club and the Englewood YMCA community board, as well as the Finance and Audit Committee for the Charlotte Community Foundation. Joe also dedicates time serving on the board of Englewood Area Youth Baseball (EAYB), an organization that supports local youth to grow in both sportsmanship and baseball skills.

When not at the bank, Joe spends time with his three children and wife of over 15 years exploring the natural beauty of Florida while golfing, boating, fishing, and hunting.

NMLS #546468

Karen joined the Bank as a Residential Loan Originator in April 2024, bringing over 40 years of experience to her role. She was promoted to Vice President, Residential Loan Originator in February of 2025. Originally from Hatboro, Pennsylvania, Karen is a graduate of Lenoir-Rhyne University in Hickory, NC with a degree in business. She has lived in the Charlotte County area since 2001 and is heavily involved in the community. 

She is a recipient of the Humanitarian of the Year and the President’s Award from the Englewood on the Gulf Women’s Council of Realtors. Additionally, she received Affiliate Member of the Year and Community Service Member of the Year from the Englewood Area Board of Realtors (EABOR).

In addition to being involved in EABOR and the Women's Council of Realtors, Karen participates in the Charlotte DeSoto Building Industry Association (CDBIA) and serves on the board of The Boys & Girls Club of Charlotte County and Kids Needs of Greater Englewood. She is a past president of both the Rotary Club of Englewood and the Englewood Florida Chamber of Commerce.

Outside of work, she spends time with her husband, Alfred, while kayaking, shelling, gardening and completing crossword puzzles.

NMLS #795313

Michelle began her career in in the community banking industry in her home state of Massachusetts in 1985. She started out as a teller, then worked her way up to her first management position in 1991.

She relocated her family to Florida in 2004 and joined the Bank two years later. She initially was part of the bank’s “float team,” filling in as needed as a teller or customer service representative. She subsequently became a senior teller, and in mid-2007 she was named Gulf Cove Office Branch Manager. In 2019, Michelle was promoted to Vice President, Retail Banking Officer of the Englewood branch. 

Michelle holds certifications in branch management and consumer lending. She is a 2010 graduate of the Englewood-Cape Haze Florida Chamber of Commerce’s Leadership Englewood Program. She has served on numerous Chamber committees, including the membership committee and Pirate Poker Run committee, and has participated in various other fundraisers.

NMLS #795306

Kristina joined the Bank in January 2004, bringing 17 years of general merchandising, service management and training experience from her home state of Vermont. She earned an American Institute of General Banking degree in 2010.

Kristina assists the bank’s business customers with a variety of financial solutions, ranging from small business loans and commercial real estate loans to merchant services and convenience banking. Her availability and willingness to help business owners and nonprofits earned her the sobriquet “Watts on Demand.”

A longtime member of the Englewood Florida Chamber of Commerce, Kristina is a 2009 graduate of Leadership Englewood. She chaired the chamber’s Leadership Committee in 2017 and served as Leadership board liaison.

Kristina serves on the board of directors of both the Chamber and the Englewood Rotary, which awarded her the Leo “Pete” Cypher Service Above Self Award and President’s Award and named her a Paul Harris Fellow +1 for her contributions to the Rotary Foundation. A graduate of the Rotary Leadership Institute, she currently serves as club treasurer.

She also serves on the board of directors of Boca Cares, a philanthropic organization comprised of residents, friends, and business partners of the Boca Royale Golf and Country Club. Since its formation in late 2018, Boca Cares has awarded over $170,000 in grants to more than 25 local charities in the Englewood and Venice area.

NMLS #795311

Originally from San Diego, Charlene moved to Englewood in 1999 and began her banking career upon her arrival. Throughout her time at the bank, she has held many positions, most recently as retail branch support, working on special projects and training. She also served as a branch manager.

Charlene studied at Grossmont College and holds a Branch Manager Certificate from the Florida Bankers Association. Additionally, she is an active member in the community and has dedicated time to many local causes and organizations including the Suncoast Humane Society, Rotary, and Leadership Englewood, a program of the Englewood Chamber of Commerce.

In her spare time, she enjoys traveling with her family, spending time with her three grandchildren and being out on the water either boating or paddle boarding.