Loan Officers

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Meet Our Team

First Community Bank of Cullman has local, experienced Loan Professionals available to provide personal, attentive service throughout the entire mortgage process. Contact us today. We want to be your Hometown Lender.

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Ethan Ponder, NMLS #1744321

Vice President/ Loan Officer

With years of experience in mortgage and secondary market lending, Ethan has a vast knowledge of mortgage loan products, including USDA, FHA, VA and Conventional loans.  Understanding that buying a home can often be a stressful and complicated process, Ethan strives to keep his customer’s needs in mind and go above and beyond to ensure a great experience.  Call Ethan today and let him be your Hometown Lender.

“I will go above and beyond to make sure you have a great home buying experience!”  Ethan Ponder

420 2nd Ave SW
Cullman, AL 35055
First Community Bank NMLS# 879526
Phone: (W) (256) 736-6374 (C) (256) 531-4438
Fax: 256-737-8900


Rachael Morton, NMLS #2167052

Loan Officer

With many years in the banking industry, Rachael is an established professional ready to serve her community. Call Rachael for all of your lending needs.

“I have been in banking for 8 years.  For the past 3 years, I have worked at First Community Bank. Since I began my career in banking, I have always been interested in the lending area.  First Community gave me the change to follow my dreams! Now let me help make your dreams come true.” ~ Rachael Morton

420 2nd Ave SW
Cullman, AL 35055
First Community Bank NMLS# 879526
Phone: (W) (256) 737-8909
Fax: 256-737-8900

Our Address

First Community Bank
420 2nd Ave SW
Cullman, Al 35055

Lobby & Drive Thru

Monday - Friday
8:00am - 5:00pm
Drive Thru open until
5:30pm every Friday
Sat & Sun: Closed

Read the FAQ for more
about our current hours.

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