Larry Clapp

VP & ASST SEC, Commercial Banker
(984) 867-3446

Office Information

Office Phone

Areas Served


Get to know me

As a First Citizens commercial banker, it’s important to invest in understanding your business, strategies and key objectives. An established process and skilled team of specialists help me tailor solutions to fit you and your organization. Clients appreciate our trusted partnership in planning for long-term success.

I earned my Bachelor’s degree from California State University at Long Beach with a concentration in Business Administration and Finance. My career includes over 40 years in banking with the majority of that time spent in the Commercial Banking space. My specific focus has been working with clients in the Commercial and Industrial space that are in the growth phase of the business cycle.

My spouse, Cheryl, and I have been married for more than 33 years. Together we are the proud parents of five children and seven grandsons; one is currently serving in the Army National Guard, the eldest, a very talented musician, has been recruited to join the prestigious United States Marine Corps Band with the others still pursuing their education--one attending college in Utah, one in high school, one in Junior High, and two more in elementary school. Cheryl is a designer of children's clothing featured in Classic Sewing Magazine, a global publication.

I am passionate about spending my spare time assisting one of our daughters who is co-founder of a non-profit organization - BrieElen’s 5013c - that assists women and children who are victims of domestic violence situations. I also am “Santa” each year for several hundred foster children or when visiting shelters for women and children who are victims of domestic violence situations. The organization also provides gifts for Santa to give the kids. In 2020 being non-touch due to the pandemic, Santa was seated in the back of a truck driven by the Mayor of Corona, Jim Steiner, and driven through 42 miles of streets with elves following in a car delivering candy canes to children and adults who lined the streets waiting for a glimpse. Family and love is important in life – certainly to live it to the fullest.

I am a proud Veteran of the United States Marine Corps.

Our approach

At First Citizens, our Bankers view business relationships with you through a long-term lens. This aligns with our brand ethics, business philosophies and statement of purpose for building a long, lasting alliance. We make recommendations and decisions based on what’s best for your business and focus on your growth, expansion and success.

Management at First Citizens is regional, and we guide your accounts in the same manner—with regional support and authority. Our relationship management teams include inside and outside relationship managers, credit professionals and product specialists. Our consulting and business strategy services include industry change optimization, business process management and financial management processes.

We pride ourselves on working together to bring positive results to your business, as we see your vision come to fruition.

Industry Expertise

Healthcare and Medical
Manufacturing (Plastics, Metal, Rubber, Textiles)


Bachelor of Arts Degree - Business Administration
California State University at Long Beach
Stonier School of Graduate Banking - Rutgers University

Community Involvement

BrieElen's Dreamscorp - Controller

Personal Interests

Entertainment, domestic travel, ocean and lakefront stays


Make sense of the markets. We have our fingers on the pulse of economic growth, investor sentiment and valuation trends.
Start, grow and expand. Our industry knowledge helps you build a long-term approach for successful business strategies.
Check out the full range of commercial financing services offered by First Citizens Bank.