Market Leadership

Ford Davis joined Citizens Bank in September of 2017 and has more than 18 years of experience in commercial real estate banking and residential construction lending.

In his time at Citizens Bank, Ford has displayed great leadership as the Regional Manager of Commercial Lending. He helped guide and mentor several commercial relationship managers into successful lenders within our Organization.  Davis is a member of the Johnson City and Kingsport Home Builders Association and serves as a deacon and Sunday School teacher at his church.

Ford earned a Bachelor of Science in Business Administration from University of Virginia’s College at Wise and a Master’s Degree in Business Administration with an emphasis in Finance from East Tennessee State University.

Ford resides in Jonesborough with his wife and three children. He enjoys hiking, gardening, running, and spending time with his family.

Nick joined Citizens Bank in August of 2020 and has been involved in the growth of Northeast Tennessee for 16 years.  Nick began his career in banking as a credit administrator and over the past 14 years has been directly involved in commercial lending in both production and management.  Nick’s experience in lending covers projects from Bristol to Nashville, aiding customers in obtaining $158 million in funding over the past 5 years.  His lending portfolio covers industrial, medical, hospitality, as well as residential and retail development.

Nick is an avid supporter of the American Red Cross serving previously on the Murfreesboro and Nashville boards and currently with the Knoxville chapter as the Board Development Chairman. 

Nick graduated summa cum laude from the University of Tennessee, obtaining a Bachelor of Science in Business Administration. He continued his education through the Tennessee Bankers Associations Southeastern School of Commercial Banking. Most recently, he is recognized in the 2019 graduating class from the Graduate School of Banking at Louisiana State University.

Nick currently resides in Knoxville, TN with his wife, Kelly, and their 2 sons, Trey (4) and Rhett(1).