Summary
Overview
Work History
Education
Skills
Affiliations
Timeline
Generic

DAVID L. EDGAR

Land O Lakes

Summary

Transformational CFO | Strategic Banking Executive | Governance & Risk Leader
Proven financial executive with 20+ years of success leading turnarounds, driving asset growth, and delivering regulatory compliance in both private and publicly traded banks. Known for creating value through disciplined financial leadership, operational restructuring, and digital modernization. Trusted advisor to Boards, CEOs, and investors with deep experience in regulatory relations, M&A, capital strategies, and IT transformation. Recognized for instilling accountability, enhancing profitability, and mentoring high-performing teams.

Overview

22
22
years of professional experience

Work History

Executive Vice President and Chief Financial Officer

CENTRAL BANK
01.2021 - Current
  • Lead financial operations, data processing, and all loan/deposit functions for a growing private commercial bank.
  • Renegotiated core systems contracts, modernizing fraud monitoring, debit cards, and digital banking.
  • Spearheaded strategic liquidity initiatives to meet loan demand.
  • Corrected departmental inefficiencies due to prior decentralization.
  • Committees: Asset Liability, IT Steering, & Senior Loan Committee.

Executive Vice President and Chief Financial Officer

ANCHOR BANK
01.2020 - 01.2021
  • Directed all financial functions and reporting for internationally owned bank.
  • Acted as interim CEO during medical emergency, ensuring operational continuity.
  • Implemented PPP loan program and retail product growth initiatives.
  • Led regulatory merger application and M&A process.


Senior Vice President and Principal Accounting Officer

OPTIMUMBANK
01.2017 - 01.2020
  • Eliminated regulatory deficiencies and improved capital structure for public bank.
  • Managed SEC/NASDAQ filings and resolved holding company debt defaults.
  • Committees: Asset Liability, IT Steering.

Acting Chief Executive Officer

FIRSTCITY BANK OF COMMERCE
01.2012 - 01.2017
  • Promoted to Acting CEO following the President's departure.
  • Worked closely with the CEO and Board to stabilize leadership, improve operational efficiency, and address capital deficiencies.
  • Successfully led efforts to remove regulatory enforcement agreements and sanctions.
  • Actively solicited capital, local investors, and new board members.
  • Implemented updated IT and communication systems and consolidated operations.
  • Rebranded the bank’s website and modernized the business online banking


Executive Vice President and Chief Operating Officer

COMMUNITY SOUTHERN BANK
01.2005 - 01.2011
  • Joined a group of organizing directors in the early stages to establish a de novo bank.
  • Worked with the CEO to develop the original business plan, prepare regulatory applications, and implement all systems and operations.
  • Served on the Asset Liability, IT Steering, and Loan Committees.
  • Successfully opened the bank on August 28, 2006, reaching $185M in total assets by August 2009.
  • Aggressively managed the investment portfolio during the Great Recession to preserve liquidity and maximize profitability without assuming undue risk.
  • Implemented strong internal control systems with minimal audit exceptions.
  • Helped position the bank as one of only 16 banks in Florida with a 5-star Bauer Financial rating.
  • Developed a resilient, performance-driven culture across departments.

President and Chief Financial Officer

FIDELITY BANK OF FLORIDA
01.2004 - 01.2005
  • Senior Finance and Operating Executive accountable for the planning, performance, and leadership of bank functions, including deposit, loan operations, accounting/reporting, audit/compliance, regulatory, data processing, information security, customer service and disaster recovery for this privately-owned commercial bank with assets of $260 Million. Oversaw monthly revenue generation more than one-half million and loan packaging more than $6 Million. Managed seven direct and 36 indirect reports. Served on Bank’s Board of Directors.
  • Performed an integral role in guiding bank to 25% growth in net income and 30% in assets over a one-year period, producing a consistent ROA more than 2.5%.
  • Increased deposit growth $40 million by implementing an aggressive marketing strategy.
  • Raised over $10 Million in three months by introducing a “super money market” product.
  • Spearheaded creation of innovative $40 Million investment security portfolio that maintained high yields while maintaining necessary liquidity.
  • Solidified satisfactory examination ratings received from regulators and external auditors by making improvements to the internal audit, internal control, liquidity, and asset/liability functions.

Senior Vice President and Chief Financial Officer

FLORIDA CHOICE BANK

Executive Vice President and Chief Financial Officer

ALLIANCE NATIONAL BANK

Senior Vice President and Chief Financial Officer

COMMUNITY BANK OF GEORGIA

Manager, Consulting

BRICKER & MELTON, PA (CPA Firm)

Manager, Bank Auditing and Consulting

MAULDIN & JENKINS (CPA Firm)

Education

Certified Public Accountant -

Certificate - undefined

Graduate School of Banking, Louisiana State University
Baton Rouge, Louisiana

B.S. - Accounting

University of Alabama
Tuscaloosa, Alabama

ABA Foundational and Advanced Commercial Lending School - undefined

Dallas, TX

Skills

  • Strategic/Operational Planning
  • Market Penetration
  • Capital Generation
  • Profit Management
  • Investment Securities
  • Cybersecurity
  • Financial Reporting
  • Forecasting/Budgeting
  • Business Process Improvement
  • Audit/Compliance
  • Vendor Management
  • Information Security
  • Team Development
  • Contract Negotiations

Affiliations

  • Member, American Institute of Certified Public Accountants
  • Treasurer, Palm Beach County University of Alabama Alumni
  • Past Board of Directors Member, Community Bankers Association of Georgia, Leadership Division

Timeline

Executive Vice President and Chief Financial Officer

CENTRAL BANK
01.2021 - Current

Executive Vice President and Chief Financial Officer

ANCHOR BANK
01.2020 - 01.2021

Senior Vice President and Principal Accounting Officer

OPTIMUMBANK
01.2017 - 01.2020

Acting Chief Executive Officer

FIRSTCITY BANK OF COMMERCE
01.2012 - 01.2017

Executive Vice President and Chief Operating Officer

COMMUNITY SOUTHERN BANK
01.2005 - 01.2011

President and Chief Financial Officer

FIDELITY BANK OF FLORIDA
01.2004 - 01.2005

Senior Vice President and Chief Financial Officer

FLORIDA CHOICE BANK

Executive Vice President and Chief Financial Officer

ALLIANCE NATIONAL BANK

Senior Vice President and Chief Financial Officer

COMMUNITY BANK OF GEORGIA

Manager, Consulting

BRICKER & MELTON, PA (CPA Firm)

Manager, Bank Auditing and Consulting

MAULDIN & JENKINS (CPA Firm)

Certificate - undefined

Graduate School of Banking, Louisiana State University

B.S. - Accounting

University of Alabama

ABA Foundational and Advanced Commercial Lending School - undefined

Certified Public Accountant -

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