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Ryan P. Earnest

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President & CEO

A northwest Georgia community banking veteran, Ryan Earnest's banking career began in 1995. He was elected as Heritage First Bank's President in May of 2008. In December of 2017, Earnest was named as Heritage First Bank's Chief Executive Officer and in March of 2019, he was named Chief Executive Officer of Heritage First Bancshares, Inc. Earnest has been a member of the Board of Directors of Heritage First Bank since May of 2008 and served on the Heritage First Bancshares, Inc. Board of Directors. He was named President and CEO of First Chatsworth Bankshares, Inc. and First National Community Bank in July of 2021 upon completion of the First National Community Bank and Heritage First Bank Merger.

Earnest earned a Bachelor of Arts degree from West Georgia College in 1990 and completed the requirements of a diploma from the Graduate School of Banking at Louisiana State University in 2008. Ryan Earnest is a firm believer in giving back to the community. He is the current Chairman of the Development Authority of Floyd County and immediate past Chairman of the Board of Trustees for the Rome/Floyd County YMCA. Additionally, he presently serves on the Board of Trustees for the Graduate School of Banking at Louisiana State University, the Board of Directors for the Georgia Bankers Association Insurance Trust, Inc. and the Rome/Floyd Chamber of Commerce, respectively. He is the former Chairman of the Board of Directors for the Floyd Healthcare Foundation and South Rome Redevelopment Corporation and is a former Board of Directors member of the Seven Hills Rotary Club. Earnest also served on the Rome/Floyd County Commission on Children and Youth Board of Directors, having served two separate terms as President during his 20-year membership. During Ryan’s tenure as president, Heritage First Bank was awarded the prestigious “Heart of the Community” Corporate Award in 2016.


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