Justin Rice

Market Executive, SVP
(984) 867-3191

Office Information

Office Phone

Areas Served

Bluffton and Beaufort County SC

Get to know me

As a First Citizens 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 the University of Nebraska - Lincoln with a concentration in Business Administration and Marketing. My career includes over 14 years in banking with the majority of that time spent in the Business Banking space. My specific focus has been working with clients in the Medical and Professional space that are in the growth phase of the business cycle.

My spouse, Tiffany, and I have been married for 16 years. We are the proud parents of three daughters, who are all in elementary school and very active into sports.

I am passionate about spending my spare time serving on local community boards and, of course, spending time with my family. We are now very involved with competitive cheer, which involves a significant amount of travel on weekends throughout the year, but allows us to spend a lot of time together as a family.

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

Architectural Firms
Healthcare and Medical


University of Nebraska at Lincoln

Community Involvement

I enjoy serving in a leadership capacity on local community boards and currently serve as the Chairman of the University of South Carolina Beaufort Education Foundation.


Being a cheer dad, golf and running


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.