Holiday Hours:

Merchants and SouthPoint Bank locations will be closed Monday, June 19th.

Our Employees See Us As Family.
Our Customers See Us As Better.

Our cutting edge products and services make the most of your time and money. But how many banks make real time for you? At Merchants Bank of Alabama, a division of SouthPoint Bank, you see the same people year after year. You never get the run-around that you do at banks where employment is a revolving door. Instead we keep our door open, so you can talk to any employee up to the CEO to get where you need to be.

As Executive Vice President and CFO Clark Rainwater said, “In today’s competitive environment we have to establish an atmosphere of integrity and earn the trust of our customers. It’s about local relationships, and being a trusted advisor, whether it’s the right loan structure or the right deposit account that meets their specific needs. The ‘cookie cutter’ approach doesn’t always work. From the bottom to the top, the Merchants Bank family tries to make customers feel welcome and treated in a respectful manner, as they would want to be treated themselves.”

SouthPoint Bank Board of Directors

J. Stephen Smith
Chairman of the Board, President, and CEO

Tommie G. Cummings
Director, Certified Public Accountant and Director of Kassouf & Company, P.C.

Steven R. Glasscock
Director, Businessman

Christopher B. Harmon
Director, Dermatologist and Owner of Surgical Dermatology Group

Robert L. Henderson
Director, Retired; formerly Retail Branch Administrator of SouthTrust Bank

Robert R. Jolly
Director, CEO of Retail Specialists, LLC and Retail Strategies, LLC

Thomas H. McGough
Director, COO, Fairway Risk Solutions, LLC

Andrew J. Ratliff
Director, Owner of Farmers Poultry Supply, Inc.



J. Stephen Smith
SouthPoint Bank President and Chief Executive Officer

Charles R. NeSmith
Executive Vice President, North Alabama Market President, Senior Lending Officer

W. Clark Rainwater
Executive Vice President, Chief Financial Officer

Jenny Clark
Senior Vice President, Human Resources

Kerry Hanvey
Senior Vice President, Retail Market for North Alabama

Laura Johnson
Senior Vice President, Audit and Policy Manager

Samuel McCord
Senior Vice President, Commercial Credit Manager

Debbie Garrison
Vice President, Arab Branch Manager

Michelle Kimbrough
Vice President, Mortgage Branch Manager

Eric C. Laney
Vice President, Hanceville Lending Officer

Brandon McCain
Vice President, Arab Lending Officer

Connie McDonald
Vice President, BSA Compliance Officer

Chasity Robertson
Vice President, Lending Officer

Ross West
Vice President, Lending Officer

Steven Parker
Assistant Vice President, Lending Officer

Taylor May
Senior Credit Analyst Officer


Merchants Bank

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