$CZFS

$84.25 -$0.34 (0.4%) Live

$CZFS Overview Financial Statements SEC Filings Executives News Red Flags Capital Raising Ownership Insider Transactions Congressional Trades

Company Executives

$CZFS Management Team

Mr. Jeffrey White

Chief Operating Officer

Executive Vice President

Age 40

Compensation -

Sex Male

Ms. Leeann Gephart

Executive Vice President

Chief Banking Officer for the Bank

Age 41

Compensation -

Sex Female

Mr. R. Joseph Landy

Independent Chairman of the Board

Age 70

Compensation $83.82K USD

Sex Male

Mr. Randall Black

Chief Executive Officer

President of the Company and the Bank

Vice Chairman of the Board

Age 58

Compensation $853.6K USD

Sex Male

Mr. Stephen Guillaume

Chief Financial Officer

Executive Vice President of the Company and Bank

Age 48

Compensation $182.6K USD

Sex Male

Mr. David Richards

Senior Executive Vice President

Director - Emerging Markets and Director

Age 64

Compensation $403.1K USD

Sex Male

Mr. Jeffrey Wilson

Senior Executive Vice President

Chief Credit Officer.

Age 63

Compensation $319.0K USD

Sex Male

Name / Title	Age	Compensation	Sex
Mr. Jeffrey White Chief Operating Officer Executive Vice President	40	-	Male
Ms. Leeann Gephart Executive Vice President Chief Banking Officer for the Bank	41	-	Female
Mr. R. Joseph Landy Independent Chairman of the Board	70	$83.82K USD	Male
Mr. Randall Black Chief Executive Officer President of the Company and the Bank Vice Chairman of the Board	58	$853.6K USD	Male
Mr. Stephen Guillaume Chief Financial Officer Executive Vice President of the Company and Bank	48	$182.6K USD	Male
Mr. David Richards Senior Executive Vice President Director - Emerging Markets and Director	64	$403.1K USD	Male
Mr. Jeffrey Wilson Senior Executive Vice President Chief Credit Officer.	63	$319.0K USD	Male

Board of Directors

From the proxy statement filed Mar 12, 2026

Directors

serving now

Independent

10 of 13

stated in the proxy

Average tenure

12.2 years

from year joined

CEO also chairs the board

R. Joseph Landy

Director	Age	On board	Independent	Committees	Other public boards	2025 pay
Randall E. Black CEO	59	2004 22 years	Not independent	None stated	None stated	Paid as CEO
Joseph B. Bower, Jr.	62	2026 0 years	Independent	None stated	None stated	Not stated
Rinaldo A. DePaola Lead independent director	70	2006 20 years	Independent	Governance and Nominating Committee · Chair	None stated	$68,891
Janie M. Hilfiger	67	2022 4 years	Independent	None stated	None stated	$64,368
Mickey L. Jones	65	2020 6 years	Not independent	None stated	None stated	$41,655
Robert W. Chappell	59	2006 20 years	Independent	Compensation/Human Resource Committee · Chair	None stated	$69,115
Roger C. Graham, Jr.	70	2001 25 years	Independent	None stated	None stated	$67,725
R. Joseph Landy Board chair	71	2001 25 years	Independent	None stated	None stated	$90,892
John P. Painter II	57	2024 2 years	Independent	None stated	None stated	$67,001
Thomas E. Freeman	66	2010 16 years	Independent	Audit and Examination Committee · Chair	None stated	$68,388
Christopher W. Kunes	61	2018 8 years	Independent	None stated	None stated	$64,880
Terry B. Osborne	72	2024 2 years	Independent	None stated	None stated	$71,998
David Z. Richards, Jr. Executive officer	65	2017 9 years	Not independent	None stated	None stated	Not stated

Each director opens the passage of the proxy that names them. "Not stated" means the proxy does not say; it never means "no". Pay is the proxy's Director Compensation table; the CEO is paid as an executive.

No related-party transactions disclosed

The proxy filed Mar 12, 2026 describes a review policy but reports no transactions.

Read the policy in the proxy

The proxy also says directors, officers or their families deal with the company in the ordinary course of business, on the same terms as others. Those are not conflicts and are not listed. Read it in the proxy

Comments

Company Executives

$CZFS Management Team

Mr. Jeffrey White

Ms. Leeann Gephart

Mr. R. Joseph Landy

Mr. Randall Black

Mr. Stephen Guillaume

Mr. David Richards

Mr. Jeffrey Wilson

Board of Directors

Related-party transactions

No related-party transactions disclosed