Tim Richardson

Senior Vice President, Manager of Commercial Banking
(984) 867-4752

Office Information

Office Phone

Areas Served

Moore and surrounding 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.

I earned my Bachelors degree from Appalachian State University with a concentration in Banking 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, Medical , Professional, Industrial and Wholesale Distribution space that are in the growth phase of the business cycle.

My spouse, Vicki and I have been married for 35 years. We are the proud parents of one daughter, who serves as a Guidance Counselor in the Ft. Bragg School System. She is married to a wonderful man that practices Law in Fayetteville, and they have a beautiful son, making us delighted grandparents.

I am passionate about spending my spare time volunteering in our local community, and have been active in support of the communities where we have lived throughout my career. Whether in community activities, golf, hunting or other events, I always find my greatest times are through enjoying these activities with family, friends, and others we meet along life's journey.

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


Appalachian State University BSBA / Banking and Finance

Community Involvement

Methodist University Board of Trustees, Fayetteville Rotary Club, Haymount United Methodist Church, Cumberland County Industrial Facilities and Pollution Control Financing Authority

Personal Interests

Golf, Hunting, Sporting Clays, College Sports and Travel with Family


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.