Coastal Bank & Trust intends to capitalize on the wealth of experience and leadership abilities of its talented executive team. The executive management team consists of professionals with extensive banking backgrounds in commercial, retail and mortgage banking.

To ensure that customer needs are the focal point of daily activity, the executive management team will create a work environment that will attract and retain the best employees in the market. Community involvement of our employees will be an important part of our corporate philosophy.


Richard G. Jefferson is the President & Chief Executive Officer of the Bank. Mr. Jefferson was previously the Chief Financial Officer of the Bank. Before coming to Coastal Bank & Trust he was employed by Marine Federal Credit Union in Jacksonville, NC, where he served as Chief Financial Officer since 2001. During his 25-year career in the financial services industry, Mr. Jefferson has served as an internal auditor, compliance officer and held various other management and oversight positions. He is a graduate of the University of North Carolina at Wilmington.

(910) 577-3200 ext 1102

Renee' L. Rhodes is the Executive Vice President & Chief Risk Officer of the Bank. Ms. Rhodes was previously employed by First Citizens Bank as Vice President and Manager of Retail Banking with responsibility for retail directives of the bank's branches in New Hanover and Pender counties. During her 10-year career with First Citizens, Ms. Rhodes served as a mortgage banker and in various capacities in retail banking. Prior to her tenure at First Citizens, Ms. Rhodes worked for the North Carolina Real Estate Commission as an investigator and compliance auditor. She attended Johnston Community College.


(910) 577-3200 ext 1104


Steve W. Wangerin is the Executive Vice President & Chief Credit Officer of the Bank.  Mr. Wangerin was previously employed by W. T. Humphrey, Inc. as the Chief Executive Officer, he served in this capacity for 15 years.  During his career with W. T. Humphrey, Mr. Wangerin provided financial and strategic oversight to the entire organization of eight companies with more than 300 employees.   Prior to his tenure at W. T. Humphrey, Mr. Wangerin worked for First Citizens Bank in various capacities. Most recently as Area Vice President of the Jacksonville, NC market. Mr. Wangerin is a graduate of the University of North Carolina at Charlotte and Louisiana State University, Graduate School of Banking. 

(910) 577-3200 ext 1101




Jacksonville • 2414 North Marine Blvd. • Jacksonville, NC 28546
Phone: 910-577-3200 • Fax: 910-577-3211

Holly Ridge  • 300 US Hwy 17N • Holly Ridge, NC 28445
Phone: 910-541-3811 • Fax: 910-803-0685

Richlands  • 8800 Richlands Hwy • Richlands, NC 28574
Phone: 910-601-0780 • Fax: 910-601-0785

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