Simply a better bank.TM

FNCB Commercial Team

The most important aspect of business banking is your relationship with your commercial banking team. Therefore, it’s important for you to build a trusted, personalized relationship with your commercial bank so your team can suggest the right customized products and services to help your business grow.

The FNCB Commercial Team consists of an experienced group of well-rounded banking professionals who are dedicated to helping your business achieve success. We go beyond just making product and service recommendations to really get to know your business and the people behind your success. This is one more reason why we’re simply a better bank.

Below are brief introductions to each member of the FNCB Commercial Team. We would appreciate the opportunity to meet with you and talk about your company’s financial and banking needs and how we can help meet them. Feel free to contact any one of our Commercial Team members directly to arrange for a no-obligation Solution Strategy.


Brian C. Mahlstedt
Brian C. Mahlstedt

Executive Vice President | Chief Lending Officer

(570) 348-4816


30 years in Commercial Banking.

Bachelor of Science degree in Accounting from Bloomsburg University; Commercial Lending Analysis, New York University; Pennsylvania Bankers Association Commercial Lending School.

Past President of the Abington Youth Basketball League; member United Way Fund Drive.


Patrick J. Barrett
Patrick J. Barrett

Senior Vice President | Commercial Officer

(570) 602-8608


20 plus years in Commercial Banking.

Lycoming College (1993), Major: Business Administration; Minor: Economics. Omicron Delta Epsilon – International Economic Honor Society.

Completed the ABA Graduate Commercial Lending School held at Southern Methodist University. Director on the Luzerne County Community College Foundation Board. Former Board Member at the Greater Pittston Chamber of Commerce.


Frank Heston
Frank J. Heston

Senior Vice President | Commercial Officer | Lehigh Valley

(610) 304-8816


30 plus years in Commercial Banking.

Graduate of Bloomsburg University with a Bachelor of Science in Accounting and a minor in Economics. He is also a 2007 graduate of Leadership Lehigh Valley.

Active in the community, Frank is a member of the Board of Directors of the Allentown Symphony Association, having previously served as Development Chair and member of the Executive Committee. He also Chairs the Allocations Committee of the Greater Lehigh Valley Chamber of Commerce Foundation and is a member and past Chair of The Jordan Lutheran Endowment Investment Committee.


Nancy A. Jeffers
Nancy A. Jeffers

Vice President | Commercial Officer

(570) 496-6009


26 years in Commercial Banking.

Bachelor of Science in Mathematics from University of Scranton (1989). Completed various OMEGA & RMA credit training programs.

Participated in fundraising events for Muscular Dystrophy Association and Pancreatic Cancer Action Network (Purple Stride).


Karen M. Smith
Karen M. Smith

Assistant Vice President | Commercial Officer

(570) 602-8611


15 years in Commercial and Retail Banking.

Bachelor of Science degree in Business Administration, with a minor concentration in Finance, King's College; Master of Business Administration, Misericordia University; 2012 Graduate of the Pennsylvania Bankers Association School of Commercial Lending; 2012 Graduate of the FNCB Professional Development Program.

Member of the Sigma Beta Delta Honor Society.


Michael Barrouk
Michael Barrouk

Vice President | Commercial Sales Officer

(570) 602-2304


14 years in Commercial Banking.

Bachelor of Science degree in Business Administration, Wilkes University; Master of Business Administration, Wilkes University; Former Chairman of the Board, Greater Wilkes-Barre Chamber of Commerce. Back Mountain coach for youth baseball, basketball and soccer.


Joan M. Triolo
Joan M. Triolo

Banking Officer | Government Banking Officer

(570) 602-2303


30 plus years in Commercial and Retail Banking.

Associate degree in Business Management from Luzerne County Community College; Member of the Pennsylvania Municipal Authorities Association; Associate member of the Government Finance Officers Association of Pennsylvania.


Justin M. Shaffern
Justin M. Shaffern

Banking Officer | Commercial Sales Officer

(570) 348-3744


Over 10 years in Commercial and Retail Banking.

Bachelor of Science degree in Business Administration from University of Pittsburgh; Pennsylvania Bankers Association Commercial Lending School.

Member and Director, Rotary Club of Scranton; Graduate Leadership Lackawanna Core Program 2014; Member, Program Chairman and Past President, Wyoming Valley Barbershop Harmony Chorus; Fundraiser and Volunteer, Wyoming Valley Children’s Association; Former Board Member, Scranton Industrial Development Company; Former Member and Board Member, Arcadia Chorale; Graduate of Wyoming Valley West High School; Member, University of Pittsburgh Alumni Association; Member, University of Pittsburgh Men’s Glee Club Alumni Association.


Stephanie E. Abraham
Stephanie E. Abraham

Banking Officer | Commercial Sales Officer

(570) 558-3485


1 year in Commercial Banking.

Bachelor of Science degree in Accounting from the University of Scranton; 2015 graduate of the FNCB Professional Development Program; graduate of Honesdale High School.


Tyler J. Serbin
Tyler J. Serbin

Banking Officer | Commercial Sales Officer

(570) 602-8612


2 years in Commercial and Retail Banking.

Bachelor of Science degree in Business Administration from King’s College, McGowan School of Business; Graduate of the FNCB Professional Development Program.


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