Meet the team that guides and supports
the vision empowering JMB

Christopher W. Bergstrom
President &
Chief Executive Officer
Experience:
- Over 39 years of experience in banking
- Founder, President & CEO of Cardinal Bank
- President of United Bank after acquisition of Cardinal Bank
Education:
- M.S. in Finance – VCU
- B.A in Business Administration – JMU

Kent D. Carstater
Sr. EVP, Chief Financial Officer
Experience:
- Over 23 years of financial services experience
- Previously served as a SVP and Treasurer at Bank of Georgetown
- Advised community bank executives on strategic matters as an investment banker before enter the commercial banking space
- Founded a private equity firm focused on investing in financial institutions
Education:
- B.S. in Finance – Virginia Tech
- M.B.A – UVA, Darden School of Business

Andrew J. Peden
Sr. EVP, Chief Banking Officer
Experience:
- Over 22 years of banking experience, including 17 years with Cardinal Bank
- Served as EVP of Commercial Real Estate Lending at Cardinal Bank and as a Market Executive at United Bank
Education:
- Virginia Bankers School of Bank Management
- Leadership Fairfax Emerging Leaders Institute
- B.S. in Business – University of Richmond, Robins School of Business
Affiliations:
- Past President of Westwood Country Club
- Served for 15 years on the steering committee of a fundraising event for the INOVA Kellar Center
- Serves on the Board of the VBA Management Services, Inc.
- Volunteer youth sports coach in Arlington, VA

Kelly Bell
EVP, Chief Operating Officer
Experience:
- Over 30 years of experience in the banking industry
- Served as Senior Vice President, Director of Retail Banking at Cardinal Bank for 3 years
- Served in various capacities at Virginia Commerce Bank for 13 years
Education:
- Graduate of Virginia Bankers Association School of Bank Management
- Graduate of Leadership Alexandria

Jason R. McDonough
EVP, Chief Lending Officer
Experience
- Over 16 years of banking experience, including over 10 years with Cardinal Bank
- 10 years of Commercial Real Estate Lending experience
- Previously served as SVP/Commercial Lender at Cardinal Bank and United Bank
Education
- M.S. in Real Estate Development with honors – George Mason University ‘15
- Graduate of Virginia Bankers School of Bank Management ‘12
- B.S. in Psychology – Virginia Tech ‘06
Affiliations
- Serves on the Executive Board of HomeAid National Capital Region as Immediate Past President and Chairs the HomeAi National Capital Region’s Governance Committee
- Co-Founder of the George Mason University Masters in Real Estate Development Alumni Association
- Recipient of the George Mason University School of Business Prominent Patriot Award, 2018
- Manager of South Loudoun County Travel Baseball Team (Cavalry Baseball 9U)

Sheila Yosufy
EVP, Director of Sales –
Commercial & Retail
Experience:
- Over 20 years of consumer/commercial banking experience
- Served as SVP – Virginia Team Lead, Capital Bank
- Served as SVP — Senior Business Development Officer at United Bank (formerly Cardinal Bank)
- Served as a Financial Center Manager at BB&T (formerly First Virginia Bank)
Education:
- M.B.A in Business Management – Marymount University
- B.B.A in International Business – Marymount University
- Commercial Lending School – Center for Financial Training in 2016
- Graduate of Virginia Bankers School of Bank Management in 2008
Affiliations:
- Serves on the Board of NOVA Chamber of Commerce
- Leadership Arlington Signature Program, 2015
- 40 Under 40 Honoree in 2015 – Leadership Arlington
- Board Member – Annandale Rotary , 2006

Melanie Williams
SVP, Director of
Human Resources
Experience:
- Over 14 years of human resources and organizational development experience
- Served as SVP, Director of Human Resources of The Harbor Bank of Maryland
Education:
- Graduate of the Notre Dame University of Maryland
- Graduate of the Emerging Leaders Champion Program by the Maryland Bankers Association
Affiliations:
- Member – Society for Human Resources Management
- Board Member – Baltimore Workforce Development
- Board Member – Sinai Hospital

Carl Dodson
Advisor to the CEO
Experience:
- Over 40 years of community banking experience in the Washington Metropolitan Area
- Original officer of Palmer National Bank in Washington, D.C., serving as Executive Vice President and Senior Commercial Lender
- Senior Vice President of George Mason Bank
- Chief Credit Officer of Cardinal Bank
- Executive Vice President and Chief Operating Officer of Cardinal Bank’s parent company, Cardinal Financial Corporation
Education:
- B.A. in Economics – UVA
- M.B.A – UVA, Darden School of Business

Bill Ridenour
Advisor to the CEO
Experience:
- Over 46 years of experience in the banking industry
- Before joining John Marshall Bank, served as Executive Vice President and Chief Lending Officer of James Monroe Bank
- Held numerous positions, including President and CEO with two other local community banks
Education:
- Graduate of the Commercial Lending Training Program of Chase Manhattan Bank
- M.S. in Finance – American University
- B.A. in Economics – Thiel College
Affiliations:
- Serves on the Executive Committee and the Board of Directors of the George Mason University Foundation
- Board of the College of Visual and Performing Arts at George Mason
- Past member of the Board of Directors of the Northern Virginia Chamber of Commerce
- Serves on the Board of Trustees of the Industrial Revenue Board Authority for the Town of Clifton, Virginia
- Member and Past Chairman of the Community Relations Committee for the Northern Virginia Chapter of the FBI Citizens Academy Alumni Association
- Member of the National Financial Management Honor Society
- Past President of the Country Club of Fairfax
- Former instructor at the Commercial Lending School of the American Institute of Banking
Regional Leadership

Ted Johnson
Regional Executive
Alexandria
Experience:
- Over 36 years of banking experience
- 35 years in the commercial lending space
Education:
- B.A in Economics — Lafayette College
- Graduate of RMA Lending School
Affiliations:
- Current Vice Chairman (and former Chairman) of The Arlington County Industrial Development Authority
- Volunteer for the Virginia State Bar Fourth District Committee
- Member of the Arlington, Fairfax and Alexandria Chambers of Commerce
- Finance Committee Member for Mt. Olivet United Methodist Church

James Estep
Regional Executive
Fairfax & Reston
Experience:
- Over 16 years of banking experience
- 14 years of experience in the Commercial Lending space
Education:
- B.S. in Finance | Minor in Real Estate — Virginia Tech
- Graduate of Virginia Bankers School of Bank Management in 2008, with honors
- Graduate School of Banking at LSU
Affiliations:
- Serves on the Board of the Reston Chamber of Commerce
- Volunteer EMT for the past 12 years in Fairfax and Loudoun County

Peter Nadanyi
Regional Executive
Loudoun County
Experience:
- Over 33 years of banking experience
- Extensive community banking background
Education:
- Graduate Virginia Tech
- Graduate Virginia Bankers School of Management
- Graduate Risk Management Association Commercial Lending School
Affiliations:
- Served as Board Member for Page County Chamber, Luray
- Served as Treasurer for Experience Old Town Warrenton
- Served as Board Member for Experience Old Town Warrenton
- Member of Warrenton Rotary Club
- Serves as Committee Member for Business Finance Group Loan Committee

Todd Hewitt
Regional Executive
Prince William County
Experience:
- Over 46 years of banking experience
- 31 years of experience in the Commercial Lending space
Education:
- Graduate American Institute of Banking
- Graduate Stonier Graduate School of Banking
- Graduate Virginia Bankers Leadership Institute
Affiliations:
- Served as the At-Large Member of the Prince William County Planning Commission, including as Vice Chairman
- Citizen Member of the County’s Investment Oversight Committee
- Vice Chair of the PWC Police and Career Fire Supplemental Retirement Plan
- Assistant Administrator to the PWC Volunteer Fire and Rescue LOSAP Retirement Plan
- Past Chairman of the Prince William Chamber of Commerce
- Life Member of the Occoquan-Woodbridge-Lorton (O.W.L.) Volunteer Fire Department in Woodbridge
- Longtime member and past President of the Rotary Club of Lake Ridge
- May occasionally be found playing guitar with local band, Type A, often to assist local not-for-profit and community service organizations