Ray Stephens

Market Executive, SVP
(843) 774-3365

Office Information

Office Phone

Areas Served


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 earned my bachelor's degree from the University of South Carolina with a concentration in Finance. My career includes over 30 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 Business and Agricultural space that are in the growth phase of the business cycle.

My spouse, Susan, and I have been married for 27 years. We are the proud parents of a son and daughter twins. Our son attends The Citadel, majoring in Business Administration, while our daughter attends the University of South Carolina, majoring in nursing.

I am passionate about spending my spare time volunteering with local civic organizations. I am an active member of the Dillon Lions Club where we have regular fundraisers to give back to the community. I have also served on the boards of McLeod Medical Center - Dillon, Dillon County United Way, Dillon County Chamber of Commerce, Dillon County Accommodations Tax Committee, and the Cotillion Club of Dillon. I enjoy sports and spent several years serving as a youth baseball coach.

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


University of South Carolina

Community Involvement

Dillon Lions Club, McLeod Medical Center board, Dillon County United Way, Dillon County Chamber of Commerce


Sports, coaching youth athletics


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.