Florida Banking April 2022

ANTHONY N. LEO, CHIEF EXECUTIVE OFFICER Anthony N. Leo has served as Chief Executive Officer of BayFirst Financial Corp. since 2013. Leo previously served as Executive Vice President & Managing Director of Community Banks, Inc., a diversified financial holding company based in Harrisburg, Penn. He began his career as Vice President & Associate Counsel for the National Bank of Washington, D.C., and later was Vice President & Corporate Counsel for FB&T Corporation, Hanover, Penn. Leo received his Bachelor of Arts degree with distinction from The George Washington University and his Juris Doctorate from The George Washington University Law School. He is a member of the Bar of the District of Columbia and the State of Maryland.

THOMAS G. ZERNICK, PRESIDENT

Thomas G. Zernick is the President of First Home Bank. Prior to joining First Home Bank in 2016, Zernick served as Florida Market President for Stearns Bank, and as an SBA Product Manager for HomeBanc in Tampa. Before relocating to Florida, Zernick served as a Community Bank President and SBA President for Republic Bank in Michigan. Zernick received his Bachelor of Business Administration degree from the University of Notre Dame.

Robin L. Oliver serves as Chief Operating Officer and Chief Financial Officer for First Home Bank and BayFirst Financial Corp. Prior to joining First Home Bank in 2018, Oliver served as Controller for a financial institution in Kentucky, and for the first 16 years of her career, she served multiple financial institution clients in public accounting as an auditor with Crowe LLP. Oliver is a Certified Public Accountant and received her Bachelor of Arts degree in Accounting from the University of Kentucky. ROBIN L. OLIVER, CHIEF OPERATING OFFICER AND CHIEF FINANCIAL OFFICER

WWW.FLORIDABANKERS.COM APRIL 2022 — 11