James Whalen is the Chief Executive Officer of Investment Properties, Inc., a commercial real estate development and asset-management company located in Rockville, Maryland. Mr. Whalen has developed over 1,000,000 ft.² of Class A office, industrial and multifamily projects in the Washington metropolitan area and his company continues to provide a full spectrum of asset management services for projects developed by the firm and third parties.

Whalen joined the Board of Directors of Capital Bank in 2001 and he remains passionate about serving the community by helping individuals and businesses attain their goals. Mr. Whalen has previously served on several boards including the Board of Trustees of St. John’s Episcopal School and as a director on the boards of Congressional Motors, Inc.

Whalen also serves on the Bank’s Loan, Human Resources, Asset Liability, Compensation, Executive and Governance Committees.

Steven J. Schwartz is an attorney and certified public accountant with experience as diverse as it is robust. For over 30 years, Schwartz has been chief financial officer and general counsel to a group of companies involved in general contracting, construction, real estate development, property management, broadcasting, telecommunications, software development and wholesale distribution.

Schwartz is the founder and Portfolio Manager of Prudent Capital, a mezzanine debt provider with a mission to provide profitable, later stage operating businesses with cost-effective capital. He served as a Director of a community bank from 1995 until its sale in 1998. Since 2002, Schwartz has served on the Board of Capital Bank, N.A.

Today, Schwartz is Chairman of the Audit Committee and a member of the Executive and Governance Committees. He is also Chairman of the Capital Bank’s Divisions Committee and a member of the Loan and Human Resources Committees. In every capacity, Schwartz has been instrumental in helping Capital Bank become — and remain — a leading bank in the greater D.C. metropolitan area.

Jerome R. Bailey is a Managing Member of Bailey Real Estate Holdings, LLC in Washington, DC.  Bailey Real Estate Holdings, LLC develops residential and commercial real estate and has assisted the District of Columbia’s initiative to house homeless, transitional, and disabled families by offering affordable housing to low-to-moderate income residents. Bailey also has expertise in acquiring, financing and developing multi-family properties.

Bailey is a Managing Member of Redwood Ventures, LLC, a full service development and construction firm focused on redeveloping neglected and underutilized residential and commercial buildings throughout the District. In addition, he is a Managing Member of Smith Commons, LLC a restaurant located in the H Street corridor.

As a Capital Bank Board Member, Bailey brings the right blend of strategic and entrepreneurial acumen that will help guide Capital Bank to continued success.

Robert M. Kottler started his new role as Executive Vice President of Whiteclay, a leading provider of Banking software and solutions company, after a 37-year banking career. In his role, he will be responsible for regional bank relationships and partnership opportunities.

Prior to the merger of Iberiabank and First Horizon, Bob was Executive Vice President and director of Retail, Small Business and Mortgage for IberiaBank. In this role, Bob was responsible for the retail segment, including digital sales and service, direct bank and call centers, retail operations, product management, payments including debit and credit cards, branch support, small business and mortgage.

Prior to joining Iberiabank, Bob was Executive Vice President for Small Business Banking for Capital One Bank.  In that role, Mr. Kottler was responsible for developing the Small Business Banking strategy and profit and loss management in the markets where Capital One’s banking business operates, including Texas, Louisiana, Maryland, Virginia, DC, New York, New Jersey and Connecticut.

His previous roles at Capital One included leading the branch, branch real estate and business banking functions in the “de novo” markets, including Dallas, Houston, Austin, San Antonio and several other communities.

Prior to the merger of Capital One Financial Corporation and Hibernia Corporation in November 2005, Mr. Kottler served as Hibernia’s Senior Executive Vice President and Chief Sales Support Officer.

In May 2003, Mr. Kottler was named Chief Sales Support Officer and Senior Executive Vice President. He was responsible for all sales support functions, including marketing, product management, delivery channel management, and loan and branch operations, payments and digital, as well as consumer and small business lending.

Mr. Kottler joined Hibernia in 1983. A Cleveland native, he has 37 years of banking experience and has served in several management positions, including Manager of the Small Business Banking Center, Small Business Banking and Marketing and Delivery Channel Management.

Mr. Kottler earned his B.S. in management and his M.B.A. from Tulane University. He is also a graduate of the Graduate School of Retail Banking, Consumer Bankers Association, at the University of Virginia.

Mr. Kottler has served on the boards of CBA and BAI and past chair of the Board of Directors for the Consumer Bankers Association.  He is also a former Director of CFED, SBFE and past member of MasterCard’s debit board. He also serves on the President’s Council and Business School Council at Tulane University and also the boards of The LA/MS chapter of the Leukemia and Lymphoma Society and New Orleans Community Sailing.

Rob Finnegan is currently chairman of Koalafi and on the Board of Verdata. He is a co-founder of both firms and was previously CEO of Koalafi. Koalafi is focused on near prime and subprime point of sale finance and supports over 10,000 retail locations across the US. It has grown to over $100M in annual revenue and $40M in annual ebitda under Rob’s leadership.

Prior to becoming CEO of Koalafi, Rob was a Partner at 2nd Order Solutions where he advised consumer and small business lending companies/investment firms on credit risk and the application of advanced modeling. Clients included Wells Fargo, Commonwealth Bank of
Australia, Warburg Pincus, and Goldman Sachs.

Prior to joining 2nd Order solutions, Rob spent 18 years at Capital One where he held a variety of
leadership roles including:

• Head of Small Business Card Division
• SVP leading all of Collections and Recoveries for US Card Division
• Head of Decision Sciences (team which built all risk, valuation, and response models)

Rob was originally an engineer focused on the modeling of large-scale systems, including the U.S. civil aviation system. He holds a degree in Systems Engineering from the University of Virginia.

Rob is also active in the non-profit space as a board member of Amigos Hospitalito Atitlan which is a small hospital supporting the Tzutujil Mayan Community in the Guatemalan highlands. Rob has a deep connection to Hospitalito Atitlan since his daughter is Tzutujil Mayan and his father is a
cofounder of the hospital.

Korey Nelson Neal Sr. serves as President of K. Neal Truck & Bus Center (KNT&B). KNT&B is a full–service commercial truck and bus dealership
representing International, Isuzu, Hino, IC Bus, and Cummins. The dealership operates from six locations throughout the Mid-Atlantic region.

Taking the steps to learn the business from bottom to top, Mr. Neal is a consistent executor of sales, service, and leasing operations generating more than 100 million in annual revenue. His company sells more than 800 commercial vehicles per year and maintains a leasing fleet of more than 200 units. Additionally, KNT&B holds nearly 50% of the market share on the school bus product for the state of Maryland.

Under his leadership, KNT&B has been awarded 2023 Dealer of the Year by Greater Washington Region Clean Cities Coalition; ranked #7 for minority-owned businesses in 2020 by Washington Business Journal; ranked #35 in the top 100 largest minority-owned businesses in the nation by Black Enterprise; and recognized in Washington Business Journal’s 2019 Family-Owned Business Awards. Mr. Neal has received numerous accolades
including recognition as Washington Business Journal’s 40 under 40 in 2020; Prince George’s County Social Innovation Fund 40 under 40 in 2020; United States Black Chambers of Commerce Emerging Leaders & Influencers Awardee in 2019; and Prince George’s County Millennial Entrepreneur of the Year in 2019. Mr. Neal has been featured in The Washington Informer, WTOP, Successful Dealer, and School Transportation News for his success in the transportation industry.

He is passionate about creating pathways of employment through internship programs, workforce partnerships with local economic development councils, as well as second chance re-entry programs. In addition to his roles and responsibilities as President of K. Neal, he is a proud serving board member for Capital Bank, American University Board of Trustees, American Truck Dealer (ATD) Board of Directors NextGen Chair, and St. Johns High School Board of Trustees. He is also a member of the Washington, DC Chapter of the Young President’s Organization (YPO). Neal was selected by the County Executive to join and lead one of Prince George’s County’s Strategic Task Force committees to support the region in navigating the economic impact of the COVID-19 pandemic on mass transit.

Mr. Neal received his bachelor’s degree from Eastern Michigan, MBA from American University, and is a graduate of the American Truck Dealers Academy. Korey Neal Sr. currently resides with his wife and two sons in Maryland.

Robert M. Kottler started his new role as Executive Vice President of Whiteclay, a leading provider of Banking software and solutions company, after a 37-year banking career. In his role, he will be responsible for regional bank relationships and partnership opportunities.

Prior to the merger of Iberiabank and First Horizon, Bob was Executive Vice President and director of Retail, Small Business and Mortgage for IberiaBank. In this role, Bob was responsible for the retail segment, including digital sales and service, direct bank and call centers, retail operations, product management, payments including debit and credit cards, branch support, small business and mortgage.

Prior to joining Iberiabank, Bob was Executive Vice President for Small Business Banking for Capital One Bank.  In that role, Mr. Kottler was responsible for developing the Small Business Banking strategy and profit and loss management in the markets where Capital One’s banking business operates, including Texas, Louisiana, Maryland, Virginia, DC, New York, New Jersey and Connecticut.

His previous roles at Capital One included leading the branch, branch real estate and business banking functions in the “de novo” markets, including Dallas, Houston, Austin, San Antonio and several other communities.

Prior to the merger of Capital One Financial Corporation and Hibernia Corporation in November 2005, Mr. Kottler served as Hibernia’s Senior Executive Vice President and Chief Sales Support Officer.

In May 2003, Mr. Kottler was named Chief Sales Support Officer and Senior Executive Vice President. He was responsible for all sales support functions, including marketing, product management, delivery channel management, and loan and branch operations, payments and digital, as well as consumer and small business lending.

Mr. Kottler joined Hibernia in 1983. A Cleveland native, he has 37 years of banking experience and has served in several management positions, including Manager of the Small Business Banking Center, Small Business Banking and Marketing and Delivery Channel Management.

Mr. Kottler earned his B.S. in management and his M.B.A. from Tulane University. He is also a graduate of the Graduate School of Retail Banking, Consumer Bankers Association, at the University of Virginia.

Mr. Kottler has served on the boards of CBA and BAI and past chair of the Board of Directors for the Consumer Bankers Association.  He is also a former Director of CFED, SBFE and past member of MasterCard’s debit board. He also serves on the President’s Council and Business School Council at Tulane University and also the boards of The LA/MS chapter of the Leukemia and Lymphoma Society and New Orleans Community Sailing.

Kathy Curtis retired from Capital bank in May of 2020 after a banking career that began in 1979 at Security Pacific National bank in Oakland, CA. Prior to Capital Bank Kathy worked for Century National Bank for 16 years and during this time was the head of compliance, Loan Operations manager, Loan Documentation manager and she held positions in the Bank’s branches. She joined Capital Bank in 2002 while it was under formal agreement with the OCC and helped management to establish a sound compliance management program to satisfy those requirements. Over the years at Capital Bank her role expanded to include oversight of the Bank Secrecy Act, Fair Lending, the Community Reinvestment Act, Information Security, Internal Controls and designation as Chief Risk Officer and Enterprise Risk. She became senior manager of the Bank’s branch system in 2012 and Loan Operations/Documentation in 2017. Throughout her tenure of success in these roles, her focus was to help the bank achieve compliance with all regulatory requirements in each of its departments in a way that was efficient, utilized technology resources, recognized sensitivity to cost controls and that delivered good customer service. An additional focus was to ensure that the Bank’s relationship with the OCC as its federal regulatory authority was open and effective. She earned the designation of Certified Regulatory Compliance Manager from the American Banker’s Association in 1994. She also served on the ABA’s Compliance Executive Committee and on the editorial board of the award-winning ABA Compliance Magazine. Kathy holds a Bachelor of Arts from George Mason University. Kathy currently serves as a member of the Bank’s Audit Committee.

Mark Caplan is President and Chief Executive Officer of The Time Group (www.thetimegroup.com), a real estate equity investment firm, which has interests in approximately 7,500 units across multi-family, manufactured housing, and senior living communities. He began investing in real estate in the late 1970’s and continues to maintain a focus on multi-family residential properties. He is the managing member and sole shareholder of Washington Place Equities (www.washingtonplaceequities.com), a development firm specializing in mixed use urban historic renovation and construction.

He also serves as Chairman of the Management Committee for WPM Real Estate Group (www.wpmllc.com), a real estate management firm he helped found that manages multi-family, manufactured housing, senior living, condominium and homeowner association, and commercial properties, with approximately 24,000 total units currently under management.

Many of the properties and entities Mark has been involved with have received awards and recognition. Among them are recognition as a Top Workplace in Baltimore by The Baltimore Sun for ten consecutive years, #1 Ranked Largest Residential Property Manager in the region five times by the Baltimore Business Journal, Property Management Company of the Year in 2015, 2017 and 2018 by the Maryland Multi-Housing Association, winner of the ULI Wavemaker award and winner of Best Residential Property by the Downtown Partnership of Baltimore.

In the early 1980’s, Mark co-founded Harbor Leasing Associates, an equipment financing business, which has grown to include commercial vehicle financing. Today, the company, now known as Madison Capital (www.madisoncapital.com), is one of the larger regional independent leasing companies in the mid-Atlantic. Mark serves as Chairman of the Management Committee for the firm.

An initial investor in Sterling Bank and Trust, Mark served as part of a three-member executive committee of the Board of Directors before it was acquired by Carroll County Bank and Trust in the late 1990’s. Mark was a member of the Board of Bay Bank, FSB (Nasdaq BYBK), which in 2018, was acquired by Old Line Bank (Nasdaq OLBK). In January of 2019, Mark joined the Board of Capital Bank (Nasdaq CBNK).

Mark has been an active member of governance boards for a variety of not-for-profit institutions, including the Enoch Pratt Free Library, the Downtown Partnership of Baltimore, The Walters Art Museum, The Bryn Mawr School, The Gilman School, Center Stage, Saint Ignatius Loyola Academy, The Real Estate Board of the Columbia Business School, Charles Street Development Corp, and Baltimore Educational Scholarship Trust.

A frequent guest speaker, Mark has been invited to lecture, with a specific focus on real estate transactions, at the Wharton Business School, Columbia University School of Business, the Carey School of Business at Johns Hopkins University, the Stern School of Business at NYU, the Georgetown University School of Business, and the University of Maryland School of Law. A publication of the Urban Land Institute includes a case study partially developed by Mark, based on one of his real estate transactions.

A Baltimore native, Mark earned his MBA from The Columbia Business School on a Dean’s Fellowship, and holds a Bachelor of Arts degree in Social and Behavioral Sciences from Johns Hopkins University. He also attended Haverford College and is a graduate of the Gilman School in Baltimore. In March 2010, Mark completed the Real Estate Executive Seminar: Capital Markets, Innovative Ventures, and Business Strategy at Harvard Business School.

Mark lives in Baltimore with his wife, Linda, and has three children.

Marc H. McConnell is the Chairman/CEO of McConnell Holdings, Inc; Art’s Way Manufacturing Co., Inc., and Bauer Corporation. Following Capital Bank, N.A.’s acquisition of Integrated Financial Holdings, Inc., where he served as Chairman, President, and CEO, Marc was appointed to the Board of Directors of Capital Bancorp, Inc. and Capital Bank, N.A. He previously held key leadership roles as Chairman of the Board, Audit Committee, and Executive Committee of West Town Bank and Trust, a subsidiary of Integrated Financial Holdings, Inc. Additionally, Marc previously served as a Director of Dogwood State Bank and its predecessor, Sound Bank. With extensive experience in the manufacturing and finance sectors as well as previous roles as President of the America Ladder Institute and the Farm Equipment Manufacturers Association, his experience and strategic vision supports the long-term growth of Capital Bank. He resides in Raleigh, NC.