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Meet Our Leaders
Meet Our Leaders

Behind the Scenes

Our vision is for CFSB to be the leading financial partner for businesses and families in Western Kentucky.
 
Over the past 130 years, CFSB has grown from a single storefront bank to a $1.2B regional institution with locations in four counties, focused on investing in our local communities. As we have grown and diversified, we have split the traditional role of CEO/President into two positions, which will allow us to more effectively manage day to day operations and provide the level of service our clients and communities expect and deserve.

Meet our Executive Team

Michael Radcliffe

Michael Radcliffe

Chairmain, CEO, & CCO

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"As Chairman and Chief Executive Officer, my focus will be on Board governance, strategic planning and vision, budgeting and financial reporting, as well as regulatory and legislative advocacy and compliance. Our experienced and committed executive team has almost 230 years combined experience with CFSB, and our long-term goal is to provide a solid capital base from which to fund stable, sustainable, organic growth as Western Kentucky's premier regional bank." -Michael Radcliffe
- Michael Radcliffe
Michael Radcliffe

Michael Radcliffe

Chairmain, CEO, & CCO

Michael Radcliffe has been with CFSB since 2002, and currently serves as Chairman, Chief Executive Officer, and Chief Credit Officer. He has been in the banking industry since 1988, and has worked as a Teller, Bookkeeper, Trust Assistant, Credit Analyst, Credit Department Manager, Compliance Officer and Loan Review Team Leader. He holds a B.S. in Finance from Murray State University and graduated cum laude from the Paul W. Barret School of Banking in Memphis, Tennessee. He graduated from the Graduate School of Banking (GSB) at the University of Wisconsin-Madison. Michael currently serves on the Banker Advisory Board for the GSB, and as chairman of the West Kentucky Regional Chamber Alliance. He is a member of the Independent Bankers of America Legislative Committee. Michael has served as a member of the Board of Directors of the Bank and CFS, Inc. since 2018.
Jason Jones

Jason Jones

President

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"As President of CFSB, I will work with our team to make sure that our culture is continually nurtured. We continue to develop the next level of leadership and high performing team members. I will also work daily with our clients, making sure that they know that we value their relationship with CFSB. And, I will combine the above two facets to make sure that our day to day operations meet the expectations of our clients, while providing an atmosphere for our team members to flourish." -Jason Jones
- Jason Jones
Jason Jones

Jason Jones

President

Jason Jones started his career with CFSB in 1989. During his tenure, he has served the bank as a Teller, Client Service Representative, Consumer Lender, Mortgage Lender, Banking Center Team Leader and Banking Center Administrator. Jason's current role is President of both CFSB and CFS, Inc. Jones is a graduate of Murray State University, Paul W. Barret, Jr. School of Banking in Memphis and the Graduate School of Banking at the University of Wisconsin-Madison. He is the Past Chairman of West Kentucky Community & Technical College, current Chair of the Kentucky Lake Economic Development Board, Board Member of the Morgan-Trevathan Apartments affordable housing community and a volunteer for several community and educational organizations. Jason is Vice Chair of the Independent Community Bankers of America (ICBA) Education Committee and serves on the Governmental Affairs Committee for the Kentucky Bankers Association. He has served as a member of the Board of Directors of CFSB and CFS, Inc. since 2018.
 
Jason is married to Kelly Jones, a teacher at North Marshall Middle School. They have a daughter, Alec, who is a student at the University of Alabama majoring in political science and a son, Walker, who is a student at Marshall County High School. They reside in Benton.
Andrew Murrell

Andrew Murrell

Chief Information Officer

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Andrew Murrell

Andrew Murrell

Chief Information Officer

Andrew Murrell serves as CFSB’s Chief Information Officer. He oversees the bank’s technology and information systems. Murrell has been with CFSB since June 2002 and has over 20 years of experience in the technology field. His certifications include; Cisco Certified Network Associate, Cisco Certified Network Associate Voice, Microsoft MCP, Security+, Network+ and Netapp. Andrew is a graduate of the Paul W. Barret, Jr. School of Banking in Memphis.
 
He was the recipient of the annual CFSB Leadership Award in 2012 based on multiple nominations by fellow CFSB team members who recognized his outstanding qualities.
 
Andy and his wife, Prisca, have two sons, Nicolas and Benjamin. The family resides in Murray.
S. Jason Pittman

S. Jason Pittman

Calloway County Market President

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S. Jason Pittman

S. Jason Pittman

Calloway County Market President

Jason joined CFSB in 2008. He currently is the Murray-Calloway County Market President and member of the Executive Committee. These roles have provided Jason and CFSB with the opportunity to be directly involved with the economic growth of Murray-Calloway County and this region for the last decade.
 
Pittman attained his Bachelor’s degree in Government Law and International Affairs from Murray State University (MSU). His financial education includes a diploma from the Paul W. Barrett School of Banking in Memphis. A native of Murray-Calloway County, Jason has been actively involved within the community including fourteen years as a Murray City Councilman and mayor pro tem. He has served on the finance, public safety, and long range planning committees and on the Murray-Calloway County Park Board. Jason also functioned as immediate Past President of the MSU Alumni association and Lions’ club president. He has been the campaign chairman for Junior Achievement, Director of MSU Alumni Corporation of Sigma Phi Epsilon and as a Murray Main Street Design Chairman Executive Committee member.
 
He and his wife Amanda live in downtown Murray with their daughter, Harper.
Jennifer K. Apple

Jennifer K. Apple

Chief Client Officer

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Jennifer K. Apple

Jennifer K. Apple

Chief Client Officer

Jennifer Apple serves as Chief Client Officer. She provides a supervisory role for several areas of the bank including Business Development, Business Services, Calvert City Banking Center, CFSB Investments, CFSB Live! Teller Machines, Client Service Center, Draffenville Banking Center, Retail Banking Administration, Teller Operations and Trust Services.
 
Jennifer has been with CFSB for 37 years. She has worked with Deposit Operations, Electronic Banking, Marketing, Proof Operations, Public Relations, Relationship Bankers and Tellers. Apple has been in bank management for the last 20 years.
 
Jennifer attended Murray State University, while her financial education includes diplomas from the Kentucky Bankers Association General Banking School at the University of Louisville, the Mid-South School of Banking at the University of Memphis and the Graduate School of Banking at the University of Wisconsin- Madison. She also has earned the Accredited Banking Professional Certificate.
 
Jennifer serves with the Head Start Policy Council, WIN Board Member and Playhouse in the Park Board Member/Treasurer. Jennifer has been chair for Court Appointed Special Advocates (CASA) by the Lakes and is a past board member and chair of the Murray-Calloway County Chamber. She is active with ACS Relay for Life, Soup for the Soul and is a WIN mentor. Jennifer has served on the CFSB Board since 2019 and CFS, Inc. since 2020.
Kathy Parker

Kathy Parker

Chief Financial Officer

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Kathy Parker

Kathy Parker

Chief Financial Officer

Kathy Parker serves as Chief Financial Officer. She has been with CFSB since 1997. She has served on the Accounting team, the Banking Center Administration team and as Chief Operations Officer. She is a graduate of Paducah Community College with an Associate degree and a graduate of Murray State University with Bachelor’s degree in Accounting and Computer Science.
 
Kathy is a volunteer counselor/teacher at Western Kentucky Youth Camp, a volunteer parent for several Marshall County middle school and high school sports teams and served as a past parent committee member of the Calvert City Elementary Mission Statement development team. She also serves as a Bible class teacher for elementary age children and is a coordinator and parent volunteer for the Lads to Leaders program at Calvert City Church of Christ.
 
Kathy resides in Calvert City with her husband, Brad. They have two sons that will attend Marshall County High School in the fall of 2020, Garrett will be a Senior and Logan will be a Freshman.
Kathy Seaford

Kathy Seaford

Chief Human Resources Director

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Kathy Seaford

Kathy Seaford

Chief Human Resources Director

Kathy Seaford, Chief Human Resources Director, began her career with CFSB in 1970. After an eight year leave of absence to begin her family in 1974, she returned in 1982 and served as a Teller and the Deposit Function Supervisor. She was promoted to her present position as Human Resources Director in 1998. Seaford has attended the Kentucky Bankers Association's General School of Banking and is a graduate of the Mid-South School of Banking in Memphis, Tennessee. She has also attended graduate courses in Human Resources at the University of Wisconsin-Madison. Kathy became a member of the CFSB and CFS, INC. Board of Directors in April 2020.
 
Kathy and husband, Danny celebrated their 50th wedding anniversary in October 2020. They attend Hardin Baptist Church. The couple has two adult children, Beth Jackson (Rodney) and Brian Seaford (Heather). The Seaford’s hobbies include their five grandchildren and flower gardening.
Michelle Jameson

Michelle Jameson

Chief Risk Officer

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Michelle Jameson

Michelle Jameson

Chief Risk Officer

Michelle (Cutsinger) Jameson is a native of Marshall County. She began her career at CFSB in September 1995. Jameson has served in multiple areas of the bank including: Teller, Personal Banker, Management Information Systems, Deposit Compliance, Bank Secrecy Act (BSA) Officer, Accounting Team Leader and Internal Audit/BSA/Information Security Team Leader. Michelle’s current role is Chief Risk Officer and her areas of oversight includes Audit, BSA, Compliance, Appraisal, Information Security, Loan Review and File Maintenance Review.
 
Jameson’s financial education includes graduating Cum Laude at Mid-South School of Banking in Memphis, class of 1998. She graduated from Graduate School of Banking in Madison, Wisconsin, class of 2010. She is currently in the process of obtaining the Certified Internal Auditor (CIA) Certification from the Institute of Internal Auditors.
 
Michelle and her husband Daniel reside in Calvert City. They have three children, Austin Jameson, Zach Jameson, fiancée Brittany Ross, and the late Camryn Hardin. They have two grandsons, Titus Jameson and Easton Dunn. Michelle and her family enjoy boating and spending time on Kentucky Lake.
Randell Blackburn

Randell Blackburn

McCracken County Market President

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Randell Blackburn

Randell Blackburn

McCracken County Market President

Randell Blackburn serves as President of the McCracken County Market. He has been in banking since 1963 and has been with CFSB since 2003. He is a graduate of Paducah Community College, the Kentucky Banker’s Association School of Banking, and the National Commercial Lending Graduate School at the University of Oklahoma. Randell is the Group 1 Kentucky Bankers Association Director. He has worked with several community organizations including the Chamber of Commerce, Yeiser Arts Center, River Discovery Center, United Way, and Paducah Symphony. He and his family attend Lone Oak Church of Christ.
Nancy Adams

Nancy Adams

Chief Operations Officer

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Nancy Adams

Nancy Adams

Chief Operations Officer

Nancy began her career at CFSB in 2008 and has worked as a relationship banker, product specialist, deposit operations team leader, and most recently as our operations officer. Nancy demonstrates, every day, what it is to be a CFSB team member. Her work ethic is amazing as she is always thinking and planning how CFSB can be better from an operational standpoint, which translates into a better client experience. The energy and “can do” attitude that Nancy displays is something we all strive to emulate.
 
Nancy resides in Calloway County with her husband, Terry, and their two children, Ellie and Hatton.
Matt Scoggins

Matt Scoggins

Graves County Market President

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Matt Scoggins

Matt Scoggins

Graves County Market President

Matt has been with CFSB since August of 2018. After his departure from another financial institution, he served our clients as a Relationship Banker. When our Graves County Banking Center opened in 2019, Matt's can-do attitude and desire for greater challenges afforded him the opportunity to learn the Commercial Admin Assistant role. In September 2021, Matt was promoted to the role of Commercial Portfolio Manager. Matt has a passion for serving the community in Graves County. Matt and his wife, Jana, reside in Mayfield with their 2 children Alden and Layla. 

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