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Sam Munafo Optimized2

Sam J. Munafo
President/ Chief Executive Officer

Sam Munafo brings with him a wealth of bank management and leadership experience. His career began in 1972 with First National Bank and Trust in Hamilton, Ohio. Throughout his career, Munafo has held leadership positions with several prominent Midwestern institutions, among them The Clyde Savings Bank and Indiana Lawrence Bank.

In 2001, Munafo was named President and Chief Executive Officer of Community First Bank and Trust in Celina, Ohio. Four years later, he returned to Hamilton, Ohio to assist in the consolidation of three regional charters into First Financial Bank Corporation (FFB). Most recently, he served as Executive Vice President and Chief Commercial Banking Officer of FFB, a publicly-traded firm. FFB’s flagship subsidiary, First Financial Bank, operates over 125 branches in Ohio, Indiana, and Kentucky.

Munafo holds an Accounting degree from Miami University in Oxford, Ohio. He is also a graduate of the American Bankers Association Commercial Lending School and the Graduate School of Banking, a school that is sponsored by the Central States Conference of Bankers Association. He was a class instructor for the Ohio Bankers Association as well as serving on the Governmental Affairs Division of the Ohio Bankers League.

Munafo’s community involvement has included service as a member of the Board of Directors of the Rotary Club, Chamber of Commerce, Kiwanis Club, Hospice, United Way, local hospitals, and various other community organizations. He also served as Chairman of the Board for the Hamilton Chamber of Commerce and on the Advisory Board for the Miami University School of Business.

Mike Long

Dana Michael Long
Executive Vice President / Chief Credit Officer

With more than 33 years in regulatory bank supervision, all with the Comptroller of the Currency (OCC), Dana Michael Long has been directly involved in community bank oversight. He possess a broad set of skills with experience in a wide variety of banking activities.

Long joined the OCC in March 1977 and became a commissioned National Bank Examiner in 1983. He graduated Summa Cum Laude from Eastern New Mexico University in Portales, New Mexico, with a degree in finance.

Karen Bustilloz

Karen A. Moore
Executive Vice President / Chief Operational Risk Officer

Karen A. Moore moved to the Rio Grande Valley in 1972 and began her banking career in 1979 at a bank based in Harlingen, Texas. She has over 35 years of banking experience and has worked in multiple areas of the banking sector, including Data Processing, Information Technology, Information Security (Information Security Officer (ISO)), Physical Security (Security Officer), Accounting, Operations (Chief Operations Officer) and Bank Secrecy (Certified BSA Officer), just to name a few. Moore worked in Data Processing for over 16 years where she converted many banks throughout the state of Texas. Her expertise is in the management and training of banking systems.

Moore has served on numerous Banking Committees and has also served as Secretary to the Board of Directors. She attended Texas Tech School of Banking.

Marin Espinosa

Marin Espinosa
Executive Vice President / Chief International Officer

Marin Espinosa has an extensive background in international banking with a strong emphasis in personal banking relationship management. He has over 25 years of experience in building strong relationships with international clients to offer them deposit and lending services.

Espinosa earned his Bachelor's Degree in Business Administration in 1981 with a concentration in Marketing at Southwest Texas State University in San Marcos, Texas.

Mary Lou Vicencio Optimized2

Mary Lou Vicencio
Executive Vice President / Chief Operations Officer

Mary Lou Vicencio is a Rio Grande Valley native with over 18 years of banking experience. Her background and expertise lie in the areas of Information Technology, Operations, Compliance and Project Management. With her extensive training and education in core processing software, Vicencio has helped design programs and solutions for various financial institutions. She is a highly motivated leader charged with managing numerous departments within INB bank operations.