“Charley” is ANB’s agricultural lender. Charley lives in Ringling but offices in the main bank on North Commerce in Ardmore. Charley and family have been in ranching their whole lives. When you talk to Charley, you’re talking to someone who knows the cattle and crop industry. Charley is non-intimidating to Ag customers because he talks their language and knows what the markets are doing. When Charley’s off the clock, he’s still working—working cattle, pecans, or helping in the family’s local grocery in Ringling.