Theresa Floyd

SVP, Commercial Banker

Office Information

Office Phone

Areas Served

Metro Jacksonville area

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 Bachelors degree from UNF with a concentration in Finance and Marketing. My career includes over 20 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 Healthcare, Distribution and Manufacturing space that are in the growth phase of the business cycle.

I am a St. Augustine native and my spouse, Jay, and I have been married for 20 years. We are the proud parents of two daughters, Devin (24) and our four-legged one, Ruby (3).

I am passionate about making a difference in my community. Throughout the years I have both led and been a part of various non-profit organizations that give back in ways that enhance our community as a whole. I have taken my years of knowledge and experience and shared it with as many people as I can. I fully believe that being able to mentor someone with your unique skillset is one of the greatest gifts we have to give.

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

Healthcare and Medical
Manufacturing (Plastics, Metal, Rubber, Textiles)
Wholesale Distributor (Food, Beverage, Medical Equipment)


BA, University of North Florida

Community Involvement

I currently serve on the Board of Trustees for the St. Augustine Lighthouse and Maritime Museum and I am an active sustainer member of the Junior Service League of St. Augustine. In the past I have served on the board of the Jacksonville Women's Business Center, KidsBridge and various other non-profits.

Personal Interests

Running, camping and anything that involves salt water.


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.