Tom Ciolkosz

Senior Vice President, Commercial Banker

Office Information

Office Phone

Areas Served

The Greater Washington Area - VA, MD, DC

Get to know me

As a First Citizens commercial banker, it’s important to invest in understanding your organizations, 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.

My career includes over 30 years in banking with most of that time spent in the Commercial Banking space. My specific focus has been working with clients in the Commercial, Nonprofit and Trade Association industries in the Greater Washington Area.

I enjoy taking the time in getting to know my clients and what makes their business or organization successful. It is very rewarding to me when I am able to uncover new ways to improve the way they do their banking while making a positive difference in their organization.

I am passionate about spending quality time with my family. My wife Rose and I enjoy living in Loudoun County with our six boys where we are always on the go. We enjoy going on trips for the weekend that include Williamsburg, history destinations, and anything to do with the outdoors.

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

Commercial and Industrial
Equipment Finance and Leasing


I am a Graduate of the Virginia Bankers Association School of Bank Management at the University of Virginia.

Personal Interests

History, Outdoors, Cooking, Walking

Community Involvement

I currently serve on the Board of Directors for HealthWorks of Northern Virginia and Stop Child Abuse Now (SCAN) of Northern Virginia. In the past, I have served on the board of the Greater Washington Society of CPA's (GWSCPA) where serve as the Chair for the 2022 Nonprofit Symposium.


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.