Carolina Trust Bank Simplify Banking

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Senior Management at Carolina Trust Bank has over 150 years of experience in community banking. Our bankers are dedicated to our customers and to our communities. They participate in all walks of civic, religious and cultural life in the communities we serve.


Jerry L. Ocheltree

President and CEO


  • President and CEO of Carolina Trust Bank January 1, 2014
  • Over 30 years of banking experience
  • Led 3 community banks with significant successes at each
  • Former  Chief Executive positions and experience with several other larger institutions
  • Extensive relationships throughout North Carolina banking circles
  • Served as Chair of the North Carolina Bankers Association for 2012-2013

Edwin E. Laws

Chief Financial Officer


  • Over 30 years expereince in accounting and finance, including 12 years as a CFO for a NC community bank
  • Experienced in budgeting, financial analysis and asset-liability management
  • Responsible for financial reporting and regulatory filings among a number of other financial and oversight duties

Richard M. Rager

Executive Vice President and Chief Credit Officer


  • Over 25 years experience working in both small and large banking environments
  • Commercial lending background 
  • Credit analysis experience compliments CTB’s exposure in commercial banking

Treva J. Carey

Senior Vice President and Human Resources Director


  • Over 30 years of community banking experience
  • Handles marketing responsibilities

Earl D. Chatto

Senior Vice President and Commercial Banking Manager


  • Over 20 years of experience in national, regional and community banking
  • Responsible for the commercial loan portfolio and manages the commercial banking business development program

Kimberly G. Cooke

Senior Vice President and Chief Compliance & Operations Officer


  • Over 25 years of banking experience
  • Responsible for all bank compliance, information technology and operations

William M. Wadsworth

Senior Vice President and Retail/Small Business Banking Manager


  • Over 25 years of banking experience
  • Responsible for our retail/small business-lending portfolio and business development