Penny Wasden

Business Banker, VP
(984) 867-4874

Office Information

Office Phone

Areas Served

Greater Augusta North Augusta market of the CSRA

Get to know me

As a First Citizens business 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 invest time to know and understand you, your business and your goals...both short and long term. I work with you to help create a strategy and map to accomplish those goals. I also work with partners to bring resources, information, products and services to you proactively to make sure the road is paved as we go forward.

Born and raised in the CSRA, I've been in banking for over 15 years. I work from the perspective of knowing that our bank is delivering better banking through our commitment to engagement and my personal promise and desire to be in the journey with you, proactively thinking about you, creating a dialogue that lasts and evolves.

While First Citizens built their brand initially in the medical and dental industries as preferred lenders, we have grown to one of the top 20 banks in the country. The size, scope and family owned 100-year tradition shape the core values, level of care and ability we have to be able to offer those same qualities to a much broader industry lens in our communities.

My existing clients include those traditional FCB clients like medical, dental & professional providers, but also include industrial/commercial contractors, manufacturers, distributors and multigenerational family businesses like funeral businesses, lumber brokers and plumbing and electrical contractors. Business models are different…and I enjoy the challenges presented by learning from the various businesses and helping them think strategically in their planning, pursuit of profitability, mitigation of taxes and refining business elements.

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

Commercial and Industrial


University of South Carolina, Political Science

Community Involvement

Women in Philanthropy of CSRA, Boys & Girls Club of CSRA


Hosting dinner parties, boating and entertaining grandchildren


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.