Our customers have the entrepreneurial spirit to build something bigger than themselves. Whether it’s starting their first pharmacy or growing a chain, we are instrumental in bringing dreams to fruition. Because we are a nimble, privately-held organization - we can focus on our customers and not on shareholders. 


Larry Alexander

Managing Director

First Financial Bank
The Woodlands, TX 77382

Phone: 832-244-9656
Email: lalexander@ffb1.com

Larry is the driving force for the healthcare lending division of the bank, leading the team of loan officers for pharmacy and veterinary loans. Through his guidance, his team navigates loan operations, marketing and other functions at the bank to successfully shepherd borrowers through the process. Leveraging many years of experience as a VP of Strategic Solutions at McKesson, Larry identifies opportunities for partnerships with GPOs, brokers, and various associations. As a result, new relationships and connections expand what his team can do for customers into new, beneficial areas.

Outside work, he and his family are outdoor enthusiasts. Passionate about giving back, they also donate their time and skills to their local schools, church and a charity Larry co-founded.

Larry recently shared his knowledge in a session on “Are You Ready to Grow? Taking the Next Steps to Multi-Store Ownership” at the recent American Associated Pharmacy (AAP) conference.


Bob Graul

Business Development

Professional Services Division
First Financial Bank
Gardnerville, NV 89410

Phone: 619-993-3096
Fax: 775-554-8064
Email: bgraul@ffb1.com

Prospective independent pharmacy owners have found a kindred spirit in Bob. With decades in the industry, beginning as a staff pharmacist, then growing a profitable chain of retail pharmacies and subsequent leadership roles at McKesson, Bob gained immeasurable knowledge of just what it takes to build a solid business in this industry. Because of his vast experience, he has been called upon to consult on transferring ownership of pharmacy businesses. The result: a seamless transition.

Bob is now applying his subject matter expertise to institutionalize enhancements to the programs and offerings of the Professional Services Division. Bob’s work is focused on developing opportunities for current and future clients, while sharing insights with his dedicated teammates about what it takes to succeed as an independent pharmacy owner.

In his spare time, Bob enjoys the outdoors plus working with his hands, restoring old tractors or woodworking.

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Amer Khamis

Loan Officer
West Region

Professional Services Division
160 W. Foothill Pkwy. Ste 105 #142
Corona, CA 92882

Cell Phone: 425-971-6889
Fax: 870-533-5544
Email: akhamis@ffb1.com

Amer has a keen focus on guiding prospective independent pharmacy owners through the detail-driven loan application process.

Beginning his career with 16 years at McKesson, he was recognized in 2011 with a President’s Award for his outstanding achievements with retail independent pharmacies. Attracted to the family atmosphere and the personalized approach to independent pharmacy clients, Amer joined First Financial Bank in 2016. Shortly thereafter, he was rewarded with the opportunity of helping a client buy her first pharmacy - a dream she had shared with her mother.

At home, Amer and his wife are busy keeping up with their two kids - a newborn experiencing“firsts” and their elder child in elementary school. They also find time to volunteer in their community and with the PTA.

Amer’s many years of financial experience in the pharmacy business is an asset for you, whether looking to acquire your first pharmacy or restructuring to add more to your portfolio.

More details about his professional experience: http://linkedin.com/in/amer-khamis-17658a59


Bo Garmon

Loan Officer
Central Region

Professional Services Division
2638 East Joyce Blvd, Suite 2
Fayetteville, AR 72703

Phone: 479-856-3001
Email: bgarmon@ffb1.com

The entrepreneurial spirit burns bright in the clients Bo guides through the intricacies of the process to pharmacy ownership. With his 20 years of experience in retail and commercial banking, clients gain a seasoned advisor who is instrumental in helping them achieve their goals.

Bo joined First Financial Bank’s client-focused pharmacy loan team in 2012 to specialize in helping those who are looking to acquire or build a pharmacy.

However, the relationship only builds from there. Bo enjoys building relationships with clients during the process and stays in touch with clients after closing.

Outside of work, you can find Bo and his high energy family engaged in variety of activities, including travel and golf.

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Drew Hegi

Loan Officer
East Region

Professional Services Division
1888 Main Street, Suite C187
Madison, MS 39110

Phone: 601-594-6237
Fax: 769-233-7227
Email: dhegi@ffb1.com

Drew joined First Financial Bank’s Pharmacy Lending Team in 2012 after working at a leading research-based biopharmaceutical company. As an independent pharmacy owner himself for over 5 years, Drew enjoys coaching buyers through the details of pharmacy ownership. Clear communication helps alleviate concerns, and he understands the necessary skills and tools needed to navigate the process.

Whether dealing with a complex SBA loan or a multi-store deal with numerous affiliates, Drew works at the crux of expertise and creativity. This collaborative approach provides Drew with the best part of the job: witnessing the many success stories of his clients.

When not working with clients, Drew and his family are involved with their local church, participating in sports and enjoying the outdoors.

More details about his professional experience: https://www.linkedin.com/in/drew-hegi-mba-26911448/