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. Our vision is for CFSB to be the leading financial partner for businesses and families in Western Kentucky. 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.
"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
"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 - Chairman, Chief Executive Officer, and Chief Credit Officer
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 - President
Jason Jones started his career with CFSB in 1989. During those 31 years, he has served the bank as a Teller, Client Service Representative, Consumer Lender, Mortgage Lender, Banking Center Team Leader and currently is Market President of Marshall County. He will continue in that role and as 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 Immediate Past Chairman of West Kentucky Community & Technical College, Board Member of the Marshall County Senior Citizens Caring Community Center, Board Member of the Morgan-Trevathan Apartments affordable housing community and a community volunteer for several organizations. Jason is Vice Chair of the Independent Community Bankers of America (ICBA) Education Committee. 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. Their daughter Alec, is a sophomore at the University of Alabama, majoring in political science. Their son Walker, is a freshman at Marshall County High School. They reside in Benton.
Andrew Ellison - Graves County Market President
Andrew Ellison began his career at CFSB in 2017 as the first Graves County Market President. Andrew has a long history in agriculture and previously was an Ag Lender for a local cooperative. He also has been a Finance/Sales Manager for various local equipment dealerships. He graduated Murray State University in 2005 with a Bachelor’s of Science in Finance.
Ellison has a farm operation growing hemp, strawberries, blueberries and beef cattle. His passion is to preserve and grow Kentucky Agriculture, allowing opportunities for future generations of farmers to remain strong and viable. Andrew is the Secretary/Treasurer and Chair of the Investment Committee for the Graves County Economic Development Board. He's also a board member of the Paducah Area Community Reuse Organization (PACRO). He is a past chapter president of Graves County Ducks Unlimited and remains passionate about conservation efforts in our area. Andrew is a lifelong member of the First United Methodist Church in Mayfield.
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 - 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 - 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 - 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 - 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 will have 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 - 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 - 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.
CFSB’s 5 Vision Points
At CFSB, we take pride in our Culture. We believe that God Almighty has allowed us to be stewards in this community. Our focus is clear that we have been brought here to serve. Since 1890, CFSB has been the financial partner for so many clients in Western Kentucky. Each CFSB Team Member commits to uphold the characteristics of values and training through our God-Centered approach to both our clients and our teammates. Joshua 1:9, “Be Strong and Courageous. Do not be afraid or discouraged, for the Lord your God is with you wherever you go."
Community is intentionally part of our name. It’s who we are! Yes, we are all bankers, but we wear many more hats throughout the communities' vast interests. From our teammates to our clients, we are all part of this community. CFSB has been here for the good times and the times of crisis. Time after time, our community’s beacon has shown brightest in moments when we take care of one another in trouble and distress. At CFSB, we are here for you.
CFSB has a strong Commitment to our clients and our team! We live in the markets that we serve and have relationships with the neighbors and friends that trust us with one of their most important earthly possessions, their money. Each CFSB Team Member is committed to assisting our clients as their financial experts. As a CFSB Team Member, we are held accountable to standards of excellence. Through this commitment process, client trust is gained allowing our passion to be shown as the true financial partner for Western Kentucky.
We Value our clients and the American Dream. The hard-working women and men of this community are our backbone and heartbeat. Our clients and local businesses supply consumers with goods and services, and most importantly, they provide jobs ensuring a healthy local economy. This support not only comes from financial partnerships, but also through technology, making banking easier and more convenient for our valued clients.
CFSB has over 230 years of combined banking experience in our Executive Leadership. With over 286 team members, the bank boasts 1,000+ years of banking knowledge to assist our clients through any situation. Through our succession program, CFSB continually builds leaders. This practice provides educational opportunities for our Team Members to potentially further their careers. CFSB leadership also believes in our Team Members becoming involved in local charities, non-profit organizations and schools. Through leadership and involvement in these activities, the community and the team member both flourish. With healthy relationships such as these, the community constantly grows and builds our future!