Elena Smith

VP, Business Banker
(984) 867-4905

Office Information

Office Phone

Areas Served

Lee and Charlotte counties

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.

My career includes over 22 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 Industry. My experience in Treasury and Payment Solutions, Financing, and Cash Flow Management allows me to add value and create true long lasting partnerships.

My husband, Chris and I have been married for 22 years. We are the proud parents of two terrific adult sons.

I am passionate about my family and my friends. They are my "Why" to everything I do. Together we live, laugh and love each other as much as possible. They make each day an adventure.

I invite you to connect with me on LinkedIn.

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

Machine Shops
Manufacturing (Plastics, Metal, Rubber, Textiles)
Wholesale Distributor (Food, Beverage, Medical Equipment)

Community Involvement

Homeless Coalition, provide meals and serve community. AMI Crossroads, provide meals and serve community.

Personal Interests

Football - Go Steelers!


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.