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Supporting almost 500,000 jobs in the US, the poultry and egg industry is a vital part of the national economy.  For almost 30 years, First Financial Bank has offered financial resources and personal service to poultry growers across the country.  You don’t become one of the nation’s leading poultry lenders by sitting in your office.  We’ll come to you.  And we’ll bring with us a solution to help you succeed.

 

Alabama
Beth Gardner

Beth Gardner

Ag Lending Officer, VP

1247 Rucker Blvd. Suite B
Enterprise, AL 36330

Phone: (334) 347-9944 Toll-Free (866) 347-9944
Fax: (334) 347-9946
Email: [email protected]

Described by her clients as a true professional, Beth prides herself on going that extra mile for her customers. She works hard to help them achieve their dreams by making herself accessible to applicants and customers whenever they need her - including in the evening or on weekends. Farming is not a 9 to 5 job, it is a way of life, so she tries to mirror their working hours. It is a point of pride and a hallmark of her customer service approach, as she supports them throughout the lending process.

This devotion to customers has driven Beth to learn the ins and outs of agricultural lending from the ground up. Since 1991, she earned her experience and learned her expertise from farmers and banking colleagues to achieve her current position at FFB, where she’s worked for 18 years. The team collaborates and brainstorms to create opportunities for farmers to achieve their goals.

Beth’s dedication and commitment extend outside the office. Contributor to poultry and agricultural trade newsletters, she shares her insights and experiences to help farmers. She is also the dedicated caregiver for her uncle - and a proud mother and grandmother.

Greg Graham

Greg Graham

Ag Lending Officer, VP

2201 Gault Ave. North, Suite G
Fort Payne, AL 35967

Phone: (256) 845-4270 Toll-Free (877) 845-4271
Fax: (256) 845-4805
Email: [email protected]

Helping his clients fulfill their dreams as farm owners is the driving force behind Greg’s enthusiasm for agriculture and poultry lending. With over twenty years’ experience, he continues this passion through a personal commitment to honesty by building lifelong relationships with his clients.  

Farm owners trust Greg’s comprehensive lending plans tailored to their specific needs. His commitment to finding financial solutions and watching his clients turn their dreams into income producing investments is what keeps him going.

Outside of the office, Greg is a family man and an involved member of his church. His passion for the outdoors is furthered by his participation in Scouting and local historical reenactments.

Arkansas
Bryan McDuffie

Bryan McDuffie

Ag Lending Officer, VP

214 North Washington
El Dorado, AR 71730

Phone: (870) 863-7000
Toll-Free: (800) 562-6896
Fax: (870) 881-5410
Email: [email protected]

Farm owners trust Bryan to lead them through the intricacies of agricultural lending. After nearly six years at Farm Credit, he brought his expertise and passion for helping clients reach their goals to FFB.

In order to experience the source of his customers’ dreams, Bryan prefers to meet on the farm to collaborate on finding financial solutions for the farm acquisition or expansion. His commitment to detail has earned him the trust, and in many cases, the close friendship of his clients.

Outside of work, Bryan is an active member of his church. An avid outdoorsman, he enjoys camping in beautiful southern Arkansas and northern Louisiana with his wife Brady and their two daughters, Sadie Rae and Julia Barrett.

Matt Garrett

Matt Garrett

Ag Lending Officer, VP

2638 East Joyce Blvd. Suite 2
Fayetteville, AR 72703


Phone: (479) 442-7773
Toll-Free: (800) 728-1700
Fax (479): 442-7705
Email: [email protected]

Whether standing around the hood of a pickup or sitting at their kitchen table, farm owners in the Fayetteville, Arkansas area trust Matt to lead them through the intricacies of agricultural lending. Matt fully understands the needs of poultry farmers drawing from his experience at Tyson Foods before joining FFB.

Matt is passionate about helping the community build sustainable and profitable poultry farms that can be passed down for generations. Farmers know they can trust their plans and dreams with the FFB team.

Away from work, Matt enjoys being outdoors and traveling with his wife, Candyce, and their two children. Maddy and Carson. He is also an avid hunter and angler.

Heath Allen

Heath Allen

Ag Lending Officer

2638 East Joyce Blvd. Suite 2
Fayetteville, AR 72703


Phone: (479) 442-7773
Toll-Free (800) 728-1700
Fax: (479) 442-7705
Email: [email protected]

Farm owners don’t just come to Heath for his insight and loan recommendations, but for the collaborative relationship he’s worked so hard to establish with them. Over the years, he has excelled in helping his clients meet their farm financial needs and making their agricultural dreams come true.

Heath recognizes the importance of family. Both FFB colleagues and clients alike are valued and treated as he would his own family. He creates relationships where each person feels respected through his honesty, loyalty, and hard work. 

At home, Heath is an active member of his church. He enjoys the outdoors and hunting and fishing with his family.

Scott McKennon

Scott McKennon

Ag Lending Officer, VP

MENA

600 Hwy 71 South
Mena, AR 71953


Phone: (479) 394-2318
Toll-Free: (888) 245-6268
Fax: (479) 394-4741
Email: [email protected]

MORRILTON

609 East Broadway
P.O. Box 849
Morrilton, AR 72110


Phone: (501) 354-0220
Toll-Free: (866) 310-0220
Fax: (501) 354-3362
Email: [email protected]

Scott joined the FFB team with 35 years of experience in agricultural lending. He knows the recipe for the financial backing needed for farming success. His loyalty and dedication to the agricultural community have helped him become one of the most trusted lenders in the business. 

Raised on a row crop and cattle farm, Scott gained a passion for the land and the importance of hard work. Clients trust his attention to detail during the loan process, and Scott takes pride in the number of farms that have succeeded under his financial guidance. Scott is an Arkansas Appraisal Licensing & Certification Board Member where he is currently serving his third term.

Outside of work, Scott enjoys golf, particularly couple’s tournaments with his wife, Karen. They have four children: Colby, Kelsey, Molly, and Amy.

Jimmy Darnell

Jimmy Darnell

Ag Lending Officer

MENA

600 Hwy 71 South
Mena, AR 71953


Phone: (479) 394-2318
Toll-Free: (888) 245-6268
Fax: (479) 394-4741
Email: [email protected]

MORRILTON

609 East Broadway
P.O. Box 849
Morrilton, AR 72110


Phone: (501) 354-0220
Toll-Free: (866) 310-0220
Fax: (501) 354-3362
Email: [email protected]

Poultry farmers trust Jimmy’s decades of experience to lead them through the poultry lending process. Whether a first time buyer or a farmer looking to update or expand their poultry houses, his clients appreciate the time Jimmy takes to come visit their farms and see their dreams firsthand. His hands-on approach and genuine excitement at seeing farmers succeed financially are two of the reasons he is valued by both his clients and colleagues.

During his time away from FBB, Jimmy cherishes his time spent with family. A lover of the outdoors, he enjoys hiking and fishing the waterways of Arkansas.

Delaware
Becky Adams

Becky Adams

Ag Lending Officer

10250 Stone Creek Dr. Unit #2
Laurel, DE 19956

Phone: (302) 280-6173
Email: [email protected]

Farmers trust Becky’s educational approach in navigating the complexities of agricultural lending. By understanding her customers’ dreams, she turns them into thriving farms by helping them gain the financial resources needed. Nothing makes her happier than seeing a nervous client become a successful farmer.

Growing up on a vegetable and grain farm and holding an MBA in Agricultural Business Management, Becky knows both sides of the coin - farming and lending. After more than a decade at MidAtlantic Farm Credit, she brings her hands-on experience to FFB.

Outside of the office, much of her time is spent on her family’s farm with her husband, Patrick, and their three children, Zach, Zane and Ashley. Continuing the agricultural tradition, the entire family is involved in numerous farm organizations, including 4-H.

Georgia
Allen Ginn

Allen Ginn

Ag Lending Officer, VP

4239 Mundy Mill Rd. Suite E
Oakwood, GA 30566

Phone: (770) 531-4343
Toll-Free: (866) 531-4343
Fax: (770) 531-7373
Email: [email protected]

Allen joined First Financial Bankin 2008 after 17 years in Live Production for Gold Kist, Inc.   Having a Live Production background coupled with 10+ years of financial experience, Allen truly understands what his customers need to be successful poultry farmers. Nothing makes him happier than seeing the excitement on a client’s face when the loan closes and knowing that First Financial Bank played a key role in enabling their plans.

In 2010, Allen and his family relocated from Gainesville, GA to Goldsboro, NC to to open FFB’s second North Carolina location.  In addition to serving the needs of poultry producers in Eastern North Carolina, Allen added Virginia, Maryland, and Delaware to First Financial Bank’s footprint.  His very first construction loan on the Eastern Shore was to a couple who’d been approved by an integrator to construct four broiler houses, but was unable to obtain financing from several local lenders.  First Financial Bank approved that loan and in the last eight years, First Financial Bank has helped them expand to a thriving ten-house broiler operation. These are the kinds of successes that drive Allen.

Outside work, Allen loves to spend time with his family and friends camping in the Southeast, spending time in the outdoors; hunting, fishing and playing golf.

Mississippi
Michael Barnes

Michael Barnes

Ag Lending Officer, VP

204 North Van Buren
Carthage, MS 39051

Phone: (601) 267-0095
Toll-Free: (888) 677-7703
Fax: (601) 267-0039
Email: [email protected]

Raised in an agricultural family, Michael knows how to navigate the intricacies of poultry lending. Farm owners trust his 20+ years of experience and genuine honesty and integrity. Nothing makes him prouder than when he can help a young couple turn their dreams of owning a poultry farm into a reality.

A farmer himself, he holds himself to the same standard of hard work that his clients exemplify. Michael works closely with his customers to manage their portfolios and with the FFB team to find innovative ways to finance new credit.

Outside of FFB, Michael enjoys spending time on his farm with his family. He has a passion for showing animals, particularly Boer goats.

Lee McDill

Lee McDill

Ag Lending Officer

204 North Van Buren
Carthage, MS 39051

Phone: (601) 267-0095
Toll-Free: (888) 677-7703
Fax: (601) 267-0039
Email: [email protected]

Before joining the FFB family he was a lender at Bank of Forest for 4 years doing consumer and commercial lending.

He enjoys working with the FFB team because they come together as one to make the best decisions for our customers’ interest. He wanted to join the team to help farmers around the area to become more successful and profitable in the poultry industry.  He knows we have an incredible group of experienced lenders here at the FFB Ag Department; where when questions arrive, we can put the best answers together for our customers.

His role at FFB is an Ag Lending Officer, where he specializes in Poultry Lending including helping customers build, purchase, or refinance poultry farms. He enjoys watching his customers grow, have a successful business, and developing a friendship with them.

Away from working, he enjoys being outside and taking vacations. You can probably find him on the golf course or in the woods hunting.

North Carolina
Zac Tarlton

Zac Tarlton

Ag Lending Officer, VP

1507 Skyway Dr.
Monroe, NC 28110

Phone: (704) 289-9877
Toll-Free: (800) 465-0454
Fax: (704) 289-9855
Email: [email protected]

A poultry farm owner himself, Zac’s clients trust his hands-on expertise when it comes to the complexities of agricultural lending. Proud to be a part of an industry designed to feed the world, Zac’s passion is fueled by helping local farmers succeed.

After a decade in poultry operations, Zac joined FFB in 2011, understanding what it takes for his customers to be successful in this industry. Staying by their side throughout the entire loan process, he meets farmers on their properties where they are most comfortable.

Outside of work, Zac, an avid sportsman, enjoys hunting and fishing. He has been married to his wife Jennifer for 14 years and they have a ten-year-old son, Mason.

Zac Bray

Zac Bray

Ag Lending Officer

1507 Skyway Dr.
Monroe, NC 28110

Phone: (704) 289-9877
Toll-Free: (800) 465-0454
Fax: (704) 289-9855
Email: [email protected]

Growing up on a poultry and cattle operation, Zac understands the financial challenges of the day-to-day operations of agricultural ownership. He enjoys leveraging his personal experience to help local farm owners start or expand their businesses. 

Attracted to Zac’s analytical thinking, personable demeanor, hard-working attitude, farmers trust him to lead them through the loan process from start to finish. Through close collaboration with clients, he finds solutions to any number of financial situations.

Outside of work, Zac enjoys spending time with his wife and two children. He owns a small purebred Angus and Gelbvieh cattle operation. He and his family are active members of Highland Baptist Church in New London, North Carolina. Zac is also a member of the Denton Lions Club, Stanly County Cattleman’s Association and Stanly County Young Farmers and Ranchers.

Texas
Kevin Walker

Kevin Walker

Ag Lending Officer, VP

1602 East Starr, Suite 104
Nacogdoches, TX 75961

Phone: (936) 560-1774
Toll-Free: (800) 789-7069
Fax: (936) 560-1815
Email: [email protected]

Texas poultry farmers appreciate Kevin for being shoulder-to-shoulder with them throughout the loan process. Whether securing funding for a new poultry farm or working to help existing owners retrofit or upgrade their poultry operation, he has the experience they value.

As Branch Manager for the Nacogdoches area, nothing makes Kevin happier than working with farmers to accomplish their goals of owning and managing poultry operations. Building their net-worth to provide viable futures for their families drives Kevin’s efforts. 

Outside work, Kevin is an avid outdoorsman who enjoys hunting and fishing. Continuing the local agricultural tradition, he owns a small herd of registered Brahman cattle. Kevin and his wife are excited about being grandparents.

Ward Herndon

Ward Herndon

Ag Lending Officer, AVP

1602 East Starr, Suite 104
Nacogdoches, TX 75961

Phone: (936) 560-1774
Toll-Free: (800) 789-7069
Fax: (936) 560-1815
Email: [email protected]

Farmers trust Ward’s abilities to lead them through the complexities of agricultural financing based on the knowledge he’s gained in his 20+ years in the industry. Nothing makes him happier than finding the right loan option to turn his clients’ plans into thriving farms.

You can usually find Ward meeting clients on their farms and learning their plans for their poultry operations. They motivate him to provide unparalleled service in helping them achieve their goals. 

Ward values his time with his wife Sommer and their two children, Tyler and Hollie. An avid outdoorsman, he also enjoys hunting and fishing. Ward’s family are members of the First Baptist Church in Center, Texas.