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Commercial Lending
Please contact one of our experienced Commercial Bankers today:

Tim Romig
Executive Vice President, Chief Lending Officer, Reading, PA
484-334-4225
- 27 years banking experience
- American Institute of Banking; Risk Management Association; American Bankers' Association Commercial Lending School
- Board member and Outreach Committee of Olivet Boys and Girls Club of Reading; chairman of the Olivet Kiss-a-Pig fundraising campaign; member of the board and co-chair of membership committee for Berks Economic Partnership; member of the Associate Board of Directors for Ben Franklin Technology Center of Eastern Pennsylvania; fundraising division captain for Kutztown University's Business & Industry Campaign.
Berks/Schuylkill Counties

Carl Bieber
Vice President, Relationship Manager
610-743-8073
- 9 years banking experience
- BA in Business Administration, Alvernia University
- Member, Morgantown Area Business Association; volunteer, Oley Fair; volunteer, Oley Fire Company; instructor, SCORE sponsored by Berks County Chamber of Commerce; umpire and instructor, NCAA, PIAA and American Legion Baseball

Robert Fischer
Senior Vice President, Relationship Manager, Reading, PA
484-334-4192
- 18 years banking experience
- BS in Accounting, Alvernia University; School of Banking, Dickinson University; Advanced School of Banking, Bucknell University
- Serve on Wernersville zoning Board; volunteer for Conrad Weiser School District youth sports

Richard Gromis
Executive Vice President, Regional Lending Executive
484-334-4832
- 36 years banking experience
- BS, Economics and Business Administration, Lebanon Valley College
- Immediate Past President and member of the Spring Township Rotary Club; Hawk Mountain Council, Friends of Scouting Vice Chairman for the Boy Scouts; member of the BCPHC and chairman of the annual golf event.

Chad Johnson
Vice President, Relationship Manager, Reading, PA
484-334-4191
- 11 years banking experience
- BS in Business Administration, Kutztown University; MBA Villanova University; Advanced School of Banking, Bucknell University; Commercial Lending School, Temple University
- Board member, Big Brothers and Big Sisters of Berks County; board member, Cumru Township Municipal Authority; committee member, Reading Downtown District's Holiday Parade; classroom volunteer, Junior Achievement; volunteer, Awesome Dawgs Animal Therapy group.

Sam Macrina
Senior Vice President, Commercial and Industrial Banking, Reading, PA
484-334-4081
- 37 years banking experience
- BA in Economics, Albright College
- Manage the bank's partnership with the Department of Community and Economic Development; develop seminars for manufacturers, including tax exempt financing for manufacturing, foreign trade and exporting, disadvantaged business certification and a mentor-protégé program.

Keith Phillips
Senior Vice President, Relationship Manager, Reading, PA
484-334-4180
- 30 years banking experience
- BS in Business Administration, Millersville University; School of Commercial Lending, Bucknell University
- Director and past president, Hamburg Rotary Club; Heidelburg Country Club Golf committee Director; volunteer, Hawk Mountain boy Scout Leadership Dinner; volunteer, Kutztown University's Business and Industry Campaign; member, Keystone Business Club.

Caitlin Degler
Commercial Deposit Services Officer
484-334-4544
- 7 years banking experience
- Attended Millersville University
- Treasurer, West Reading Main Street Authority; charter member and secretary, West Reading–Wyomissing Lions Club; member, Greater Reading Young Professionals; member, West Reading Business Association; member, Berks Volunteer Leadership Council for the American Cancer Society.

Lawrence Snow
Vice President, Commercial Deposit Services Manager
484-334-4293
- 15 years banking experience
- BA in Finance/Banking, Alvernia University; Certified Treasury Professional (CTP)
- Former Elementary and Junior High Wrestling Coach; treasurer, Athletic Association; classroom volunteer Junior Achievement; and United Way Company Campaign Chairman.
S. Eastern PA and South Jersey
Joseph Bifolco
484-238-7932
Jeffrey Dickey
484-682-4440
Bonnie Halbreiner
484-725-8873
Jeffrey Siebold
484-725-9539
Delaware Valley

Ed Gallagher
Senior Vice President, Business Banking, Phoenixville, PA
610-917-3267
- 23 years banking experience
- BS in Business Administration, Wilkes University; MBA, St. Joseph's University
- Service on many local boards and youth sports organizations

Elizabeth Le
Vice President, Portfolio Manager, Phoenixville, PA
610-422-2327
- 10 years banking experience
- BBA in Finance and Real Estate, Fox School of Business at Temple University
- Member, Risk Management Association (RMA)

Patricia A. Daly
Portfolio Manager, Newtown Square, PA
484-923-8815
- 18 years banking experience
- BS degree in Business and Finance, Mount Saint Mary's College; Masters in Finance, St. Joseph's University
- Member, Finance Committee of Nativity BVM Parish; Member, Nativity BVM Parish School's Advancement Team

Louis Ciarlante
Vice President, Portfolio Manager, Phoenixville, PA
610-917-3268
- 16 years of retail and commercial banking experience
- BS in Finance, LaSalle University; Attended the Philadelphia Commercial Lending School.
- Member, Risk Management Association (RMA)

Julie Ann D. Puth
Assistant Vice President, Small Business Portfolio Manager, Phoenixville, PA
(484) 923-2168
- 10 years in banking
- BS in Business Administration, Specialization in Finance Rowan University
- Board Member of Community Lenders Development Corporation (CLCDC)

Peter Bendistis
Vice President, Relationship Manager for Delaware Valley, Newtown Square, PA
- 25 years of commercial banking experience in the Delaware Valley, primarily in the Media area.
- Attended the Pennsylvania Bankers Association School of Commercial Lending at BucknellUniversity; studied Marketing at The Wharton School of the University of Pennsylvania and holds Series 6 and 63 licenses from the National Association of Securities Dealers.
- Serves on several boards in Delaware County; Media Business Authority; Media Theatre; and Middletown Health Department; past president and founding member of the Media morning Rotary Club.
- Peter is a decorated Vietnam veteran.
Multi-Family Housing

Ken Keiser
Executive Vice President, Director Commercial Real Estate and Multi-Family Lending, Wyomissing, PA
484-923-8800
- 34 years banking experience
- BS in Education, Millersville University; Graduate, Central Atlantic School of Commercial Lending, Bucknell University
- Treasurer, Berks County Committee for Affordable Housing; member and past president of the Greater Reading Kiwanis Club and Homebuilders Association of Berks County; volunteer, United Way of Berks County; former Treasurer and board member, Keystone/Miller Blood Bank; instructor, American Institute of Banking.

