Officers & Directors

Principal and owner of Josh Cox & Associates, a consulting firm focused on bank management and profitability enhancement. Chief Executive Officer and Director of numerous financial institutions since 1972.

Senior Vice President of Summit State Bank from April 2006 to May 2007. The Board's primary reasons for determining that he should serve as a Director is his knowledge of bank administration and lending.

Brian J. Reed serves as the Bank President and Chief Executive Office as well as a member of the Board of Directors. Brian joined the Bank in 2016 as the Chief Credit Officer. With over 40 years of community banking experience including 30 years in Sonoma County, he is highly qualified and was selected as President and CEO in 2020.

He earned his Master's degree from the American Graduate School of International Management in Arizona, and graduated with a Bachelor's degree in Business Economics from the University of California at Santa Barbara, with an emphasis in Accounting and Corporate Finance. Brian is a Past President of the Santa Rosa East Rotary, President of Children & Family Circle and Treasurer of Free to Be.

Founder and president of Allen Land Design, a design-build landscape development company serving the greater Bay Area since 1980. Founder of Muchas Grasses, a business that evolved into the largest resource of decorative grasses in California, which included importing 20,000 Spanish, Greek and Italian olive tree varietals to Sonoma County. In 2004, co-founded American Biodiesel/Community Fuels, which operates as a bio-fuel refinery in Stockton, California- a company utilizing a propriety production process that ensures fuel diversity and job creation. The Board's primary reasons for determining that he should serve as a Director are his vast knowledge of the Sonoma County community and sound knowledge of the business community.

Deputy Assistant Secretary for Community Colleges, United States Department of Education, Washington, DC from 2010 to 2012. Dr. Chong served as President of Laney College, Oakland, California from 2006 to 2009. The Board's primary reasons for determining that he should serve as a Director are his vast knowledge of the Sonoma County community and leadership experience.

Owner and President of Treasure Creek Minerals, LLC and Regional Finance Manager at Clean Harbors since 2013. Formerly the Vice President and Chief Financial Officer at Vimasco Corporation from 2017 to 2022. Prior to that position, Mr. Finley was the Division Manager of Champion Industries, Inc., a commercial printing, office supply and retail office furniture company from 2004 to 2013. The Board's primary reason for determining that he should serve as a Director is his knowledge of the financial services industry.

Chief Accounting Officer of Installed Building Products, Inc., a building products supplier and installer company, since 2014. Formerly the Chief Financial Officer of Champion Industries, Inc., a ommercial printing, office supply and retail office furniture company, since 1999. The Board's primary reasons for determining that he should serve as a Director is his knowledge of finance and accounting.

GC Micro was founded by Belinda and is rated one of the 500 largest U.S. Hispanic-owned companies by Hispanic Business Magazine. Under Belinda's leadership, GC Micro has been recognized by its customers for outstanding customer service receiving The Boeing Performance Excellence Award for the past several years, Woman-Owned Contractor of the Year from the U.S. Department of Agriculture, Just-In-Time Supplier of the Year by Sandia National Laboratory, Administrator's Award for Excellence from the U.S. Small Business Administration (SBA), World Class Team Award by Northrop Grumman, Technology Vendor of the Year by Lawrence Livermore National Laboratory and Customer Partnership Award from Sandia National Laboratory, among many others. Since 2015, GC Micro has also been named one of the Best Places to Work by the North Bay Business Journal. Currently, Ms. Guadarrama serves as co-chair of the Dell GovEvolve advocacy organization representing IT firms involved in Federal contracting.

President of Rado Consulting Services since November 2011. This business concentrates on accounting, job costing and Workers' Compensation insurance for the general engineering construction business. Vice President and CFO of North Bay Construction since 1991 with an engineering background and extensive financial operations experience. Past board member of the Engineering Contractors Association for 18 years and honored as Contractor of the Year in 1991 and 1996. He contributes extensively to the Petaluma community, including service on the Board of the Petaluma Boys & Girls Club. The Board's primary reasons for determining that he should serve as a Director are his representation and knowledge of the Petaluma community and construction industry.

Currently, Mr. Reynolds is an attorney for Reynolds & Brown, PPLC. He is the President and Chief Executive Officer of Energy Services of America, where he has also served as a Director since 2008. He also serves as the President of the Transylvania Corporation and a Director of The Harrah and Reynolds Corporation and Premier Financial Bancorp, Inc. Douglas is a graduate of Duke University and holds a law degree from West Virginia University. He is also the son of Director Marshall T. Reynolds. His knowledge of the banking industry further solidifies his appointment to the Board.

Since its inception in July 2007, Chairman of the Board of Directors of First Guaranty Bancshares, Inc. an SEC-registered $1.5 billion bank holding company headquartered in Hammond, Louisiana. Chairman of the Board of Directors of First Guaranty Bank, the wholly owned subsidiary of First Guaranty Bancshares, Inc., since May 1996. Since 1992, Chairman of the Board of Champion Industries, Inc. a holding company for commercial printing and office products companies that deregistered from SEC registration in 2016. Chief Executive Officer of Champion Industries, Inc. from 1992 to 2016. President of Champion Industries, Inc. from December 1992 to September 2000. President and general manager of The Harrah and Reynolds Corporation, predecessor of Champion Industries, Inc., from 1964 (and sole shareholder from 1972) to present.

Director (from 1983 to November 1993) and Chairman of the Board of Directors (from 1983 to November 1993) of Bank One West Virginia Corporation (formerly Key Centurion Bancshares, Inc.) Since 1996, Chairman of the Board of Premier Financial Bancorp, Inc., an SEC-registered $1.5 billion multi-bank holding company headquartered in Huntington, West Virginia, and operating in Kentucky, Ohio, West Virginia, Washington, D.C., Maryland and Virginia. Chairman of the Board of Directors of Energy Services of America Corporation, an SEC-registered company in Huntington, West Virginia, since 2006. Energy Services of America provides construction services to the natural gas, petroleum, chemical power, and automotive industries through its subsidiaries, C.J. Hughes Construction Company and Nitro Electric Company, Inc. The Board's primary reasons for determining that he should serve as a Director is his experience in the financial services industry, business acquisitions and corporate governance.

From 1998 to 2022, Ms. Ross was a Founding Partner with the Santa Rosa law firm of Carle, Mackie, Power & Ross LLP where she served as the Managing Partner, leading the employment group and commercial litigation team. Ms. Ross served as counsel to some of Sonoma County's leading wineries, as well as clients in the public and private sectors. Active in the Sonoma County community, having served on the board of the Volunteer Center and the California Parenting Institute. Past President of the Sonoma County Bar Association, Sonoma County Women and Sonoma County Young Lawyers' Association. The Board's primary reasons for determining that she should serve as a Director are her vast knowledge of the Sonoma County community, leadership experience and legal background. Since her retirement in 2022, Ms. Ross has been active in the community, including acting as a CASA volunteer.

Previously Managing Director at Baxter Fentriss & Company, a Richmond, Virginia-based investment banking firm focused on the financial institution industry, from 2002 through 2015. Serves on the Boards of Virginia Capital Partners, a private equity fund, and Vesta Property Services, a property management company for condominium and homeowner associations. The Board's primary reasons for determining that he should serve as a Director is his knowledge of the financial services industry and capital markets.

Governmental Relations and Public Affairs consultant in Sonoma County since 1986. Ms. Wright served on the Santa Rosa City Council for 12 years and an unpresented 3 terms as Mayor. During that time, she served 10 years representing the 9 cities and County of Sonoma on the Metropolitan Transportation Commission. Her other public sector appointments include the Sonoma County Transportation Authority, Sonoma County Planning Commission and the California Coastal Commission. Currently she serves on the Santa Rosa Memorial Hospital Board of Trustees and Burbank Housing Development Corporation Board of Directors. She has been actively involved in a number of community organizations including Leadership Santa Rosa, founding Director of Tomorrow's Leaders Today and Goodwill Industries of the Redwood Empire. In 2002, she was the first person to be named as the Best Community Business Leader by the readers of Sonoma Business magazine and was named Distinguished Citizen of the Year by the Boy Scouts of America, Redwood Empire. The Board's primary reasons for determining that she should serve as a Director are her knowledge of the Sonoma County community and sound knowledge of the business community.

Brian J. Reed serves as the Bank President and Chief Executive Office as well as a member of the Board of Directors. Brian joined the Bank in 2016 as the Chief Credit Officer. With over 40 years of community banking experience including 30 years in Sonoma County, he is highly qualified and was selected as President and CEO in 2020.

He earned his Master's degree from the American Graduate School of International Management in Arizona, and graduated with a Bachelor's degree in Business Economics from the University of California at Santa Barbara, with an emphasis in Accounting and Corporate Finance. Brian is a Past President of the Santa Rosa East Rotary, President of Children & Family Circle and Treasurer of Free to Be.

Genie Del Secco is responsible for branch administration, central operations, information technology, human resources, compliance, and marketing. After joining Summit State Bank in 2015 as Director of Branch and Deposit Operations and Vice President, she was promoted to Senior Vice President in 2016. Ms. Del Secco has more than 30 years of banking experience in Sonoma County. Prior to joining Summit she held the position of Senior Vice President of Compliance and Branch Operations at First Community Bank, renamed Poppy Bank. Ms. Del Secco also held management positions at National Bank of the Redwoods, which was acquired in 2005 by Westamerica Bancorp. In addition, Ms. Del Secco graduated from Pacific Coast Banking School at the University of Washington in Seattle in 2018.

Ms. Del Secco serves as the Board Vice President of Our Village Closet (OVC), is a former Board of Director for The Children's Village, and is active throughout Sonoma County supporting various nonprofits.

Michael Floyd brings over 40 years of lending and banking experience to his role as Chief Credit Officer. Prior to joining Summit State Bank, he was Senior Vice President and Senior Credit Administrator for Bank of the Sierra, Executive Vice President and Chief Credit Officer of Technology Credit Union and Senior Vice President and Chief Credit Officer of Montecito Bank and Trust. He earned his Bachelor of Arts (BA) degree in Economics from Revelle College at the University of California at San Diego. Mike is also a graduate of Pacific Coast Banking School (PCBS) and served as faculty for the past seven years. PCBS is a three-year Graduate School of Banking with over 12,000 alumni for bank leaders and held on the campus of the University of Washington.

Before moving to Santa Rosa, Michael and his wife, lived in Solvang. He has a long history of volunteering and serving on boards of community nonprofits. In addition, he served on the Loan Committee of California Community Reinvestment Corporation and the Housing Trust for Santa Barbara County.

Camille Kazarian joined the Bank as Executive Vice President and Chief Financial Officer in December of 2018. Prior to working at Summit, Camille was the CFO and Assistant Town Manager for the Town of Windsor. She has also held financial management positions at several prominent organizations in Sonoma and Marin Counties including Redwood Credit Union, Autodesk, and Fireman's Fund Insurance Company. Camille holds a Bachelor of Science degree in Business Administration and Finance from Sonoma State University and an MBA from the University of Phoenix.

Ms. Kazarian currently serves on the Board of Directors for COTS and is the Audit Committee Chair.

Brandy Lee Seppi brings over 30 years of banking experience to her executive leadership role at Summit State Bank. Ms. Seppi joined the Bank in January 2015, and in her role as Chief Lending Officer, is responsible for the Commercial Banking and Small Business Lending Divisions. Ms. Seppi has worked in a variety of positions including credit analysis, underwriting, portfolio and relationship management, credit management and business development. Prior to joining Summit, she worked for the Umpqua Bank's Commercial Banking Division as SVP/Senior Relationship Manager. In her current role as Chief Lending Officer, she manages the Bank's loan portfolio, fosters positive client and community relationships, and helps grow the Bank's market share.

Ms. Seppi graduated with a Bachelor's in Economics from the University of California at San Diego and is a graduate of the ABA Stonier Graduate School of Banking and the Wharton Leadership Program. Ms. Seppi is a native of Sonoma County and currently serves on the Finance Committee for St. John the Baptist Catholic School, the Board of Directors of the North Bay Angels, and is a member of St. John the Baptist Catholic Church and the Italian Catholic Federation in Healdsburg.