MCB Tri-Cities: 
More than a bank. Your own personal team!

At Mountain Commerce Bank we have a team dedicated just to you. We know your financial success depends on a bank that has all the modern conveniences you’ve come to expect. MCB has all that, PLUS your own dedicated personal banker you can call and speak to, someone you know, someone who will be there the next time you call. Our goal is to be your primary bank of choice by providing top-quality service and Responsive Relationship Banking, keeping all decisions local and personalized to fit your individual financial needs.
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William E. “Bill” Edwards III

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William E. “Bill” Edwards, President and Chief Executive Officer and Director, is a founding member of the Board of Directors for the bank and the holding company. With over 35 years in commercial banking, Bill brings to MCB experience as a commercial and corporate lender, capital markets originator, investment analyst, and a Certified Financial Planner (CFP®). Prior to his time at MCB, Bill managed commercial, corporate, and real estate lending divisions for a large regional bank, and he also worked for the Federal Deposit Insurance Corporation. A graduate of the University of Tennessee Knoxville with a finance degree, Bill is also an alum of the Washington County/Johnson City and Kingsport Chamber Leadership Programs. He holds a position on the East Tennessee State University Foundation Board, and has previously served on numerous other humanitarian and community boards. Bill enjoys University of Tennessee athletics, baseball, travel, and spending time with his family.

Kevin Horne

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Kevin Horne, Executive Vice President, Chief Credit Officer, Chief Operating Officer and Area President, is a member of the MCB Board of Directors. With a background in banking and financial services of more than 20 years, Kevin brings a wealth of experience in credit quality, commercial lending, and retail banking. In his current role at MCB, Kevin oversees the bank’s Operations Department, Credit Administration, Loan Review, Credit and Asset Quality, Retail Operations, Special Assets, and other deposit and loan functions. A graduate of the University of Tennessee Knoxville with a business degree, Kevin has been recognized as a 40 Under 40 business leader in the Tri-Cities. He is active on several area humanitarian and community boards of directors, including Junior Achievement of Johnson City. Kevin enjoys University of Tennessee athletics, hunting, fishing, and travel.

Bobby Brown

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Bobby Brown, Senior Vice President, brings 20 years of banking experience in branch management, branch administration, commercial lending, bank operations, security, properties, and training. He has served as MCB’s Director of Operations and Branch Administration and Training, and has overseen the bank’s retail efforts and consumer lending in the Tri-City area. He holds a bachelor’s degree in marketing and business management from Bob Jones University.

Jerry B. Beal

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Jerry B. Beal, Vice President, Relationship Manager and Private Banker, has more than three decades of banking experience, and a demonstrated proficiency across the financial services sector. With a background in bank branch leadership, commercial lending, and business development, Jerry serves MCB clients from the Johnson City branch on Bristol Highway. He holds a bachelor’s degree in business administration from Wingate College in Wingate, NC, and is active in the community with the Johnson City and Greene County chambers of commerce, and Hickory Grove Baptist Church.

Anthony “Todd” Jones

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Todd Jones, Senior Vice President and Director of Investments and Financial Planning Services has extensive experience in 401(k) consulting, investment management, private banking and financial planning. Todd earned his bachelor’s and master’s degrees from East Tennessee State University. He also holds the designations of Certified Financial Planner™, Accredited Investment Fiduciary®, and the Series 7 license. Todd serves on the board of directors for Appalachian Emergency Physicians.

Cindy Widener

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Cindy Widener, Assistant Vice President and Registered Investment Services Assistant, works with the director of investments and financial planning to manage accounts and maintain investment relationships with personal attention and service. Cindy’s previous financial services experience includes time in the loan department and customer service. At MCB, Cindy has also served as the Branch Manager at the Bristol Highway branch in Johnson City. She graduated from East Tennessee State University with a bachelor’s degree in business administration and holds licenses for Series 6, Series 63, and Life, Accident and Health Insurance in the State of Tennessee. She enjoys cooking, farming, and gardening.