Citizens Bank & trust is the link between local bank service and big-bank convenience.


From our leaders to our customers, our Tennessee history runs deep. That’s why we’re bringing innovative banking technology to our community, while sustaining the relationships that define our lineage.

Kevin Herrington
Chairman, CEO

Kevin Herrington, President and COO of Lineage Financial Network, is based in Williamson County and has more than 20 years of banking experience. Herrington is a graduate of Belmont University in Nashville, Tennessee. He currently serves on the Board of Bridges Domestic Violence Shelter and previously served as a Board Member for the Payments First Regional Payments Association.

Carl Haynes
Chief Banking Officer

Haynes joins Lineage as a veteran in the banking industry, with 20 years of experience serving communities in Williamson County.
Most recently, Haynes held the position of Business & Commercial Banker for First Bank, formerly Franklin Synergy Bank. In his career, Haynes as served as a Business Banker and Branch Manager for other Middle Tennessee banks and even opened the Franklin, Tennessee office of First Citizens Bank in 2008.

Charles Johnson
West Tennessee Market President

Johnson is a veteran Tennessee Banker with over 43 years of banking experience. His last position was as Vice President for Consumer, Commercial and Real Estate Lending for Centennial Bank, Medina, serving on its board until 2015 when the bank was acquired.
Charles is a graduate of the Southeastern School of Banking as well as The Southeastern School of Advanced Commercial Lending. He resides in Medina, TN where he is involved in many civic affairs.

Richard Herrington

Serving as Chairman and CEO of Lineage Financial Network, Richard Herrington is a veteran Williamson County banker with more than 40 years of experience. Herrington holds a B.A. in Economics from Newberry College in Newberry, South Carolina and an M.A. in Economics from Florida State University. Herrington serves on the Newberry College Board of Trustees, the Board of Directors at Williamson Medical Center Foundation, and the Board of Directors of Leadership Franklin. He was appointed as the 2018 Board Chairman of Williamson Inc. and President of the Williamson County Sports Authority. Past Board service includes Battle Ground Academy, Columbia State Community Foundation, Franklin Tomorrow and Franklin First United Methodist Foundation.

Bill Lucado

Founder and Director, William (Bill) Lucado is based in Memphis, Tennessee and has more than 30 years of experience in banking, corporate finance, and investment management. Lucado holds a B.A. with Honors in Economics from Rhodes College in Memphis, Tennessee and an MBA from Michigan State University. He has served as the President of First Management Consulting, LLC since 2002 and previously served as CIO, and later the President and CEO, of EFS Federal Savings Bank, a subsidiary of Concord EFS

Paul Moore

In 1976, Moore began his career as a bookkeeper at Citizens Bank & Trust, a bank owned by his family since 1927. He later moved on to a teller position and advanced to CEO of the bank in 1990. He served in that role for 30 years and retired in 2020.

James B Webb

James “Jimbo” Webb was born and raised in Atwood, TN. His family started doing business with Citizens Bank and Trust in the 1940s.
Jimbo graduated from Atwood High School, University of Tennessee at Martin, with a degree in political science, and received a law degree from the University of Memphis. From 1980 to 2000, Mr. Webb served as legal counsel for the bank. He currently serves as Assistant District Attorney for Carroll County.


Citizens Bank & Trust is part of a network of community banks across Middle and West Tennessee. Explore our locations.


The latest news and updates for Citizens Bank & Trust customers and the Atwood community.

Investor Relations

Without the Lineage Financial Network investors, bringing modern capabilities to community banks across Tennessee wouldn’t be possible. We’re thankful our investors believe in empowering local banks with the innovative technology they need to continue serving the customers—and the community—they’ve always known.

Lineage Financial Network is serving communities in Middle and West Tennessee through partnerships with local banks.

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