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Our Mission

North Georgia National Bank will strive to exceed the expectations of its customers by providing superior service, a maximum return to its shareholders, challenging career opportunities for our employees, and positive leadership for the well-being of our community.

Our History

North Georgia National Bank opened its doors on February 10, 1999. Inspired by the leadership of an entirely local Board of Directors, the bank neglected the idea of a blind formula that places the fate of a decision in the hands of an office hundreds of miles away, but instead, focused on building relationships with each client to ensure the best product and service possible.

Today, North Georgia National Bank is grounded in those same values. The bank operates two full service branches and a compliance center in Gordon County, as well as a full service branch in Whitfield County. NGNB was a Finalist in the 2022 Chattanooga Times Free Press’ Best of the Best Awards and holds a 4-star “Excellent” rating with Bauer Financial. 

North Georgia National Bank was the recipient of three 2023 Calhoun Magazine Reader's Choice Awards: Best Bank, Best Mortgage Company, and Best Bank Teller. North Georgia was a finalist in the 2022 Chattanooga Times Free Press' Best of the Best Awards and currently holds a 4-Star "Excellent" rating with Bauer Financial. 

Meet the President


Lesa C. Downey
President and CEO

NMLS# 757668  (706) 624-5315
Email Lesa

The North Georgia National Bank Board of Directors are proud to announce the promotion of Lesa C. Downey to President and Chief Executive Officer. Prior to being promoted to Executive Vice President and Chief Credit Officer in 2019, Downey joined the team at NGNB in June on 2018 as Senior Vice President. Lesa is a veteran community banker who has served in various capacities during her thirty-eight year banking career.

Downey attended Dalton State College and is a graduate of the American Bankers Association Stonier Graduate School of Banking. Lesa is a member of the Rotary Club of Calhoun, Co-Treasurer of the Whitfield Education Foundation, and serves as the current Chair of the Business Advisory Council for the Wright School of Business at Dalton State College. Lesa is on staff at New Heights Baptist Church in Ringgold and she and her family reside in the Rocky Face community.

"As part of the Executive Management Team, Lesa has played a vital role in the growth of the Bank over the past four years," said Board Chairman, Tom Kinnamon. "Driven by a strong work ethic, Lesa has worked across all lines of business to creative a positive culture in improvement processes, procedures, and delivery of services. With a sound credit background and skills in organizational development, Lesa has made a positive impact on the overall performance of the bank. We look forward to the future of our organization under her guidance and leadership."

Bank Officers


Kimberly Abernathy
SVP / Retail Branch Operations
(706) 624-5334
Email Kimberly


Luane Bohannon
CPA, Credit Review Officer

(706) 879-5703
Email Luane 


Tammy Carter
VP / Compliance & Loan Operations Officer

NMLS# 677619   (706) 624-5335
  Email Tammy 


Julia Cornwell
Retail Services Coordinator & Banking Officer
(706) 624-3510
Email Julia 


Lesa Downey
President & CEO
NMLS# 77668   (706) 624-5315
Email Lesa


Jayla Ensley
Assistant VP /Lending Officer

NMLS# 1182690  (706) 624-3503
Email Jayla 


Rita Lacey
VP / Lending Officer

NMLS# 678152  (706) 624-5303
Email Rita 


Zab Mendez
SVP / Dalton Market President / Co-Senior Lender

NMLS # 757684  (706) 879-5710
Email Zab 


Kim Mitchell
VP / IT Administrator

(706) 624-5317
Email Kim 


Amanda Ruddell
VP / Lending Officer

NMLS# 679788  (706) 624-5304
Email Amanda 


Mike Smith
SVP / Co-Senior Lending Officer
NMLS# 828859  (706) 624-5309
Email Mike 


Stacey Smith
VP / Business Development Officer

NMLS# 955752 (706) 624-3501
Email Stacey


Melissa Whisler
SVP / Human Resources

(706) 879-5708
Email Melissa 


Adam Shull
SVP / Chief Credit Officer
(706) 624-5308
Email Adam  


Amy Collier
SVP / Chief Financial Officer
(706) 624-5305
Email Amy  


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