James L. "Luke" Flatt
Chairman, President and CEO Community Capital Bancshares Inc. and AB&T
Luke Flatt has built a 40-year career solely devoted to his passion for community banking. An optimist, visionary and achiever, Luke leads with the idea that a financial institution should have no greater concern than the growth, prosperity, diversity and quality of life of the communities it serves. With that strategic vision, he is out to ensure that AB&T is the gold standard in community banking.
Outside the bank's doors, Luke has long been an active member of the community, serving in leadership roles for the Albany Area Chamber of Commerce, the Georgia Chamber of Commerce, the Dougherty County Rotary Club, the Darton College Foundation, Leadership Albany, Leadership Georgia, Consumer Credit Counseling Service, and Imagine Albany. He also currently serves as the Chairman of the Georgia Bankers Association. Additionally, Luke has received numerous honors for his service, including Leadership Albany’s prestigious “Ed Freeman Award” in recognition of his civic contribution to our community and the 2017 Lifetime Service Award from the Albany Area Chamber of Commerce.
Luke holds a Bachelor of Science in Business Administration from Auburn University and is also a graduate of the Stonier Graduate School of Banking at Rutgers University where he was elected class president by the 200-plus bankers and bank regulators in his class.
Executive Vice President, Bank Execution
Perry began his banking career in 2006 as a Credit Portfolio Manager and since that time, has established a reputation for developing commercial relationships and providing exceptional client service. He has a passion for taking care of his clients. His background and experience fit perfectly with AB&T’s vision of becoming the gold standard of commerical banking throughout South Georgia.
Additionally Perry oversees the bank's marketing and brand commitment strategies to ensure AB&T is well recognized as the premier community bank in South Georgia.
An Albany native, Perry attended Deerfield-Windsor School and later went on to the University of Georgia, where he graduated with a Bachelor of Business Administration in Marketing. He is also a graduate of the Georgia Academy of Economic Development and is a 2019 gradaute of the School of Banking at Louisiana State University.
Perry is very active in his home community, serving on the boards of several civic organizations and non-profits, including holding the role of Chairman of the United Way South Georgia in 2013. Perry currently serves on the Albany Area Chamber of Commerce Board, where he served as Chair in 2020, the Executive Committee and the Finance Committee and serves as a member of the Albany-Dougherty Economic Development Commission Board. He is also a graduate of Leadership Albany and has been recognized by The Albany Herald as one of its “40 Under 40.”
Executive Vice President, Bank Revenue
Since beginning his banking career in 2002 Matt has distinguished himself as one of the area's premier commercial relationship managers, handling a book of business in excess of $100 million. Through his proven talent, professionalism and his ability to understand the financing and cash management needs of a broad range of business operations, Matt has become a trusted advisor for countless clients.
By giving his clients customized solutions, quick decisions and incomparable service, he is committed to providing gold standard service to businesses of all types throughout Southwest Georgia.
An Albany native, Matt attended Albany High School before studying at the University of Georgia, where he graduated with a Bachelor of Science in Agricultural Economics. He is also a recent graduate of the Georgia Academy of Economic Development.
Matt remains very active in the community, serving on the Board of Trustees for Deerfield Windsor School, the Phoebe Foundation board, and on the Finance Committee for First United Methodist Church. Additionally, he is a volunteer for the Flint RiverQuarium and Chehaw park. An avid outdoorsman, Matt is very active in both the planning and the presentation of the annual Georgia Quail Hunt hosted by the Georgia Chamber of Commerce and the Georgia Allies. Matt has also been recognized by the Albany Herald as one of their "40 Under 40."
Senior Vice President, Senior Credit Officer
Since beginning his banking career more than 15 years ago, Joe has distinguished himself as one of Southwest Georgia's most well-respected bankers. With a background in accounting, which included an internship as a staff accountant with Draffin & Tucker, LLP during college, and experience as a commercial real estate officer and commercial relationship manager, Joe's background and expertise are invaluable. He understands the important role banks play in the community and he is committed to building an organization that offers and guidance and support and that displays the gold standard in community banking.
A native of South Georgia who grew up in nearby Edison before attending Auburn University where he graduated in 1996 with a degree in finance, and was a 2014 graduate of Leadership Albany.
Joe currently serves on the Georgia Banker's Association's Credit Committee and remains active in his local community, having served on the boards of multiple civic and professional organizations, including acting as current treasurer of Leadership Albany. He is also very active in his church and serves as a volunteer coach for several youth sports.
Gayle B. Woolard
Senior Vice President, Private Banking
Gayle has over 20 years of banking experience, beginning her career as a Management Trainee before advancing to the position of Vice President and Private Banker where she concentrates heavily on the medical market and private client services. She fully embraces the client relationship aspects of community banking and consistently provides this to her clients.
Gayle is a graduate of Georgia Southern University where she majored in finance with an emphasis on banking. She is past president of the Dougherty Rotary Club and was presented with the Sheffield Award for Outstanding Leadership for year 2014 – 2015. She has also served as a board member of the Chehaw Park Authority and is a graduate of Leadership Albany. Gayle has also been recognized by The Albany Herald as one of their “40 Under 40.”
Senior Vice President, Operations, Compliance and Information Technology
As a senior vice president for AB&T, Dana handles a variety of tasks, contributing her detail-oriented skills, great ideas and technological solutions to help associates and clients.
With more than 27 years of experience in banking, Dana now manages the Operations/Information Technology Center of the bank and also serves as the bank's Compliance/CRA Officer.
Dana serves on the board of directors of the Boys and Girls Clubs of Albany. She was also a participant in the inaugural class of the Albany Area Chamber of Commerce Institute for Leadership Development and has been active in numerous professional organizations, including Harland Financial Services' user board of directors and the C&A Associates' user board of directors.
Her educational background includes a degree from the Florida School of Banking at the University of Florida, as well as other studies at Hillsborough Community College. Dana is also an active member of St. Patrick's Episcopal Church.
Senior Vice President
Senior Administrative Officer
A native of Albany, Tina brings a wealth of knowledge and underwriting expertise in her work with both commercial and private bankers. Tina has been in banking since 1999 and has served in numerous credit-related functions. At AB&T Tina utilizes her educational background and keen acumen to help ensure the bank remains fiscally strong while also meeting client needs.
Tina attended Deerfield-Windsor School and later received a BSBA from Georgia Southwestern State University. She is an active member of Albany First United Methodist Church. Tina is also a graduate of Leadership Albany and has been recognized by the Albany Herald as one their "40 Under 40." Additionally, she is a past president of the American Heart Association and currently serves on the board of the Salvation Army.
Stan W. Edmonds
Vice President, Controller
As vice president and financial officer for AB&T, Stan is involved in the financial budgeting, analysis and reporting that are vital to the success of a bank. With more than 30 years of experience in banking and accounting, Stan understands the importance of financial reporting and accounting to a bank that requires gold standard in every aspect of its business.
A resident of the Albany area for over 50 years, Stan graduated from Westover High School and Darton State College before earning a Bachelor of Business Administration in Accounting from Valdosta State University. Through the Bank Administration Institute he also became a Certified Bank Auditor and he is also a graduate of the BAI Graduate Schools of Banking at the University of Wisconsin-Madison.
After beginning his career in public accounting at Draffin & Tucker, LLP, Stan later transitioned into banking and worked several years for two regional banks before joining AB&T in 2002.
Stan is actively involved as a volunteer helping the bank serve as a Partner in Excellence with Alice Coachman Elementary School. He is also active in his church and has served as Stewardship Team Chairman, Food Service committee member and usher, along with serving the community as a volunteer coach for youth baseball, golf and softball teams.
Vice President, Branch Banking and Brand Execution
As Vice President of Branch Banking and Brand Execution Brad oversees AB&T’s branch operations, branch sales, and associate training. Additionally, Brad is responsible for collaboratively guiding the strategy and execution of the bank’s branding and marketing to bolster AB&T’s connection to its clients and community. With more than 12 years experience working in different areas of banking in Albany, Brad has a keen understanding of the local market and what it takes to provide an exceptional client experience through relationship banking and customized solutions.
A long-time resident of Albany, Brad attended Westover High School before earning an Associate of Arts in English from Darton State College, and Bachelor of Arts degrees in English and Religion from the University of Georgia. Brad is a 2010 graduate of Leadership Albany and is very active in the community, volunteering with several civic and professional organizations, as well as serving on the board of directors of Leadership Albany and the board of the Anchorage faith-based recovery center.
Vice President, Branch Manager - Meredyth Drive
Terri brings a wealth of management experience and banking knowledge to AB&T. During her career, she has filled every role in a retail branch - she can do it all (and has done it all!)
Her client approach matches her approach to management. She is committed to going above and beyond. As she explained, "You have to make sure that every client knows that they count. They have to know that they matter. You absolutely have to show that you appreciate them (and you have to truly mean it!) Professionalism means that you have your clients' best interest at heart."
Married to Carlton, she has two children - a son, Leon, and a daugther, TreLisa.
Robert "Bert" Baranko
Security Officer, Network Administrator
As the Bank’s network Administrator, Bert installs, configures and maintains all of the computers throughout the network. Beyond his technical expertise, he is involved with every aspect of AB&T’s digital presence. His involvement includes design, layout and implementation.
Additionally, Bert manages and maintains the Bank server and network infrastructure. He is responsible for ensuring that, when it comes to the Bank’s digital presence, our customer experience is always the “gold standard.”
In 2010, Bert received the Microsoft Certificate of Excellence and became recognized as a Microsoft Certified Professional. Indeed, Bert brings a level of professionalism to every aspect of the Bank’s computer network – both internally and externally.
Bert is a native of the Albany area, graduating from Lee County High School before attending the University of Georgia. He holds a Business Administration degree from Darton College. He is an active member of St Patrick’s Episcopal Church.
Human Resources Officer
Administrative Assistant to the President and Corporate Secretary
Nita works among many of the bank's associates and directors with a variety of responsibilities-ranging from administration and payroll to helping enrich the lives of customers in any way possible. An exemplary and loyal associate, Nita has received an AB&T Gold Star Award in recognition for her willingness to go above and beyond for both her customers and co-workers.
A resident of the Albany area for more than 40 years, Nita graduated from Albany High School and received a degree in public administration from Darton College.
A native of nearby Poulan, Ga., Daniela has worked in the banking industry for the past seven and a half years, all with AB&T, and distinguished herself as a dedicated and extremely capable member of the AB&T team.
As BSA Officer Daniela is responsible for the coordination, implementation and administration of all aspects of the bank’s BSA Compliance program to ensure that AB&T meets all state and federal BSA, USA Patriot Act, Anti-Money Laundering (AML) and OFAC guidelines.