Thomas Ramsay, Executive Vice President/Chief Retail Banking Officer, has over 25 years of banking experience in retail and business banking with extensive management, leadership, and relationship management experience. Thomas joined the bank in 2018 and oversees the Bank’s branch channel and retail & mortgage lending. He is a 2017 graduate of Leadership Frederick County and 2020 graduate of the Maryland Bankers Association’s Maryland Banking School. Learn more about Thomas here.