Thomas "Moe" KrugerVice President
SBA Business Development Officer
Mr. Kruger is an SBA lender in the in the Sarasota/Bradenton market. He has lived in the Sarasota area since 1978. He has a Bachelor of Science degree from the University of Florida with a major in Marketing from the Warrington College of Business Administration.
Mr. Kruger has 23 years of experience in banking and started his career as a branch manager of two offices for First Union Bank. He moved over to the commercial side of the bank in 1998 and began specializing in new business development and small business lending. During his career he has volunteered with Habitat for Humanity, Sarasota Parks and Recreation and mentored Sarasota High School students. He is currently heading up the local chapter for CBMC (Christian Business Men’s Connection)
Moe and his wife (Jenny) of 25 years have one daughter, Jordan, who is currently working on her PhD at Georgetown University in Bio-Chemistry and Molecular Biology with an emphasis on Bio-Informatics.
Moe is watchful of his client’s best interest and believes partnering with them brings successful results.
Robert L. Williams IIISenior Vice President
Commercial Lending Officer
Born in Coral Gables Florida, Bob moved to the Tampa Bay area in 1963. He attended St. Petersburg Junior College and University of South Florida studying Political Science, Law and Philosophy. Mr. Williams joined Bay Cities Bank in September 2012 with 36 years of banking experience specializing in corporate & commercial lending, credit administration, loan review and special assets.
Mr. Williams is a member of several respected Committees and Boards in St. Petersburg. He is Commissioner & Vice Chair of St. Petersburg Enterprise Zone Development Agency, Director of the Neighborhood Lending Partners, and Member of Pinellas County Health & Human Services Low Income Housing Network, St. Petersburg Chamber of Commerce, Green Task Force, Leadership St. Petersburg, St. Petersburg College Palladium Advisory Board, and St. Petersburg College Para Legal Advisory Board.
Bob is an avid traveler and enjoys learning about different cultures, art, history and food. He has traveled most of the United States, parts of Canada, Central America, Caribbean, and has spent the last few years exploring Europe.
Bob values the partnership he has with each of his clients; behind every account number there is a business leader or owner. These connections open doors of opportunity and cultivate the business climate in Tampa Bay.