At Integrated Financial Holdings, our highest priorities are solving problems and helping people. We run our business day in and day out with a focus on these four core values.

PASSION: Everything we do revolves around a passionate approach to getting the job done, whatever that job may be. We are guided by trust, respect and honesty, and we’re driven by “what’s next”.

COLLABORATION: The whole is greater than the sum of its parts. Together, everyone achieves more, and synergies across the IFH family of companies are what take us to the next level, bringing unparalleled value to our clients.

OWNERSHIP: Productivity ceases through micromanagement. We are entrepreneurs, highly skilled operators, niche subject matter experts and trust our colleagues to take extreme ownership in everything they do.

EMPATHY: Client success is our success. Our single-focused purpose is to understand what’s important to our clients, what’s getting in their way, and what they hope to achieve, so we can help them get there.

While still maintaining a minority ownership stake in the Bank, Sound Bank has been successfully divested from the Organization and rebranded as Dogwood State Bank with a new management team and Board of Directors.

RiskScout is a "RegTech" (Regulatory Technology) platform designed to accelerate WTBT’s review of hemp-related businesses by automating the onboarding, validation and monitoring processes needed for enhanced due diligence for high risk customers.

Visit Website >>

Patriarch is a real-estate management company focused on asset preservation and the rapid resolution associated with select assets within the Bank’s various portfolios.

West Town Insurance Agency is based in Edenton, North Carolina. As an independent agency, the Company represents various carriers and has the ability to compare coverage and pricing to find the best possible value for personal or business insurance needs.

Visit Website >>

Glenwood is a transaction advisory and placement agent created to fill the gaps in the financing processes for community and regional lenders, providing a full suite of services for sub-middle market capital transactions.

Visit Website >>

SBA Loan Docs provides a holistic and sequenced approach to the preparation of loan documentation under the SBA’s 7(a) Loan Program. Staff is comprised of seasoned loan closers and veteran attorneys with decades of SBA lending experience.

Visit Website >>

Windsor provides community banks and credit unions with a comprehensive outsourced SBA 7(a) and USDA lending platform, servicing nearly $2.0 billion in assets for hundreds of lenders across the country.

Visit Website >>

WTBT offers payment processing solutions for small and medium sized businesses of all types, including compliance-driven segments through its joint venture with West Town Payments.

Visit Website >>

WTBT promotes savings and home ownership through a variety of mortgage programs, including VA, FHA, USDA, Jumbo and Conventional loan programs.

Visit Website >>

WTBT offers a wide range of traditional banking services but selectively specializes in government guaranteed lending nationally, as well as tailored deposit products for specific lines of business and cash management solutions for industries such as Hemp and CBD.

Visit Website >>

WTBT is focused on lending programs supported by the U.S. Federal Government, including the SBA (7(a), 504) and USDA (B&I, REAP, FSA, CF) programs. Since 2011, WTBT has authorized more than $1 billion in loans to businesses located in 41 states.

Visit Landing Page >>

WTBT offers technology enabled loan processing solutions to serve small businesses with financing needs of less than $350,000.

Visit Landing Page >>

WTBT has a team dedicated to help design cash management solutions based on the unique needs of its small business clients.

Visit Landing Page >>

Sandra Warren is the Founder and Owner of Executive Personnel Group. A regional staffing and employment service, Executive Personnel Group has 8 offices in North Carolina as well as placement contracts nationwide. Ms. Warren manages operations and employs over 5,000 employees annually. The Company has operated in North Carolina since 1999. Ms. Warren joined the Board of Directors in 2016.
Founder of the Chowan Agency, a Farm Bureau Insurance company which grew to a multi-million dollar agency. Mr. Stallings (now retired) has served on the Edenton Town Council for many years, having first been elected in 1999. He currently serves as Mayor of Edenton. Mr. Stallings also serves on the Edenton Chowan Partnership. Mr. Stallings joined the Board of Directors in 2014.
Founder and President of Snyder Insurance and Financial Services. Mr. Snyder joined the Board of Directors in 2009.
Mr. Ramsey is Founder & President of Jarrett Bay Boat Works, Inc. since 1987. He is the Chairman of the Board of Governors for the University of North Carolina School System and also Chairman of the North Carolina Manufacturer’s Association, as well as a Founding Board Member of Sound Bank (now Dogwood State Bank).
Mr. Wicklund is the Director of Advisory Services at Plansmith Corporation. He provides asset/liability management consulting and training services to banks, regulators, and trade groups. Formerly, he was a Senior Bank Examiner with the FDIC where he led exams, developed training materials, and authored articles on liquidity and interest rate risk management. Mr. Wicklund joined the Board of Directors in 2013.
Dr. Moore is the owner of Moore Orthopedic and Sports Medicine. He is also a Founding Board Member of Sound Bank (now Dogwood State Bank).

James J. Kemp Jr.

Founder and Partner in the law firm of Kemp & Grzelakowski, Ltd. Mr. Kemp’s prior experience includes General Counsel to the Illinois Commission of Savings and Loan Associations. Mr. Kemp joined the Board of Directors in 1995 and has served as general counsel since 1990.

Marc McConnell


Mr. McConnell joined the Board of Directors in 2009. Mr. McConnell serves as Chairman of Art’s Way Manufacturing Co., Inc. He is also President of Bauer Corporation of Wooster, OH, and Vice-Chairman of McConnell Holdings, Inc. of Kinston, NC, among other business interests.

Michael J. Breckheimer

EVP, Corporate Strategy

Mike serves as an Executive Vice President at IFH, Inc. and West Town Bank & Trust, helping drive the overall strategic direction of both companies.  He previously served as the President & CEO of Windsor Advantage, LLC.  Prior to joining the IFH family, Mike was a Senior Management Consultant with KPMG where he gained extensive experience working with diversified financial firms to implement efficiencies and risk management strategies. He began his career with PNC Capital Markets and graduated with honors from Miami University of Ohio with a degree in Finance and Accounting.

Steven E. Crouse

EVP, Chief Financial Officer

Steve has nearly 30 years of banking experience and recently joined the IFH family of companies in 2019. In addition to overseeing the audit function and IT for West Town Bank & Trust, he is responsible for the financial management of the Holding Company and the Bank and also spearheads efforts related to the Patriarch Initiatives. Prior to his tenure, Steve was the Chief Financial Officer at Paragon Bank (now Towne Bank) and Chief Accounting Officer at Capital Bank Financial Corporation, working to help develop strategies to maximize shareholder value. He also spent time as an Audit Manager at McGladrey. He serves as an Executive Board Member and past Director of Finance for the Boy Scouts of America and holds a degree in Accounting from North Carolina State University.

Joshua S. Hyman

EVP, Chief Legal Officer

Joshua graduated from Washington University School of Law in 1989. Since that time, Josh has been a banking lawyer in Chicago and New York and currently serves as Managing Director of SBA Loan Documentation Services and oversees Legal, Compliance and HR departments for West Town Bank & Trust. For more than 30 years, Josh grew and maintained a national banking practice whereby he represented hundreds of banks, credit unions, loan service providers and institutional note buyers on a wide spectrum of banking and SBA issues. Josh has been recognized and approved as a “Leading Lawyer” by his peers in Illinois for nine straight years, a distinction earned by fewer than 5% of all lawyers registered to practice in Illinois.

Eric J. Bergevin

President & CEO

Eric is both President & CEO of West Town Bank & Trust and its parent company, Integrated Financial Holdings, Inc. (“IFH” formerly known as West Town Bancorp, Inc). In his roles, Eric establishes the overall vision and strategic direction of IFH and all of its wholly-owned subsidiaries. Eric is a Member of the North Carolina State Banking Commission that supervises, directs and reviews the activities of the Office of the Commissioner of Banks and serves as a Member of the Board of Directors at Dogwood State Bank. Eric’s prior experiences include Advisory Board Member of the Federal Home Loan Bank of Chicago, CEO of Morehead City-based Sound Bank, President & CEO of New Vision Mortgage, President of Anova Financial Corporation and Senior Vice President & Chief Operating Officer of OBA Bank. Throughout his 30-year career in the banking industry, Eric has been active in establishing, acquiring, selling and recapitalizing banks and other financial services companies, as well as being the lead organizer of a de novo bank. Eric earned a Bachelor’s and Master’s in business from The University of Alabama.

Melissa D. Marsal

EVP, Chief Operation Officer

Melissa is the Chief Operating Officer of West Town Bank & Trust and has been with the Bank for over a decade. In addition to overseeing all aspects of Operations, she’s responsible for helping the Bank build a program uniquely tailored to the challenges of hemp-related businesses. Melissa and her team of Commercial Account Service specialists are dedicated to designing cash management solutions for the Bank’s business customers. Through the Bank’s partnership with VeriLeaf, Melissa and her team help to provide a first-class onboarding and client experience that reduces the time to open an account from weeks to a matter of hours.

A. Riddick Skinner

EVP, Government Lending

Riddick joined West Town Bank & Trust in 2011 and leads the Bank’s Government Guaranteed Lending division. Providing strategic and business development oversight, Riddick is responsible for all SBA and USDA front-end loan production, including pricing, creative structuring, product diversity and strategic partnerships. Riddick and his team have helped provide over $1 billion in loans to more than 500 entities. Riddick’s primary niche has been within the solar electric power generation space through USDA’s Rural Energy of America Program (REAP). Riddick graduated from North Carolina State University and has over 20 years of experience in the banking industry.