About Our Sebring Branch
Our branch opened in 2000, when the bank was broadening our accessibility by establishing a branch for a growing number of customers in the Sebring area. The branch office is located near Lake Jackson, a freshwater lake covering over 3,000 acres and supporting a variety of recreation opportunities.
We appreciate Sebring’s small-town community feel and consider our customers our friends and neighbors. They appreciate the personal service we provide.
Online Banking and Bill Pay
Personal Banking
Checking
Savings
Business Banking
Treasury Management
Commercial Real Estate Loans
Equipment Loans
Residential Mortgages
Consumer Loans
Trust Services
Estate Planning
Investment Management
Family Owned
Our history, our team, our products and services, and our loyal customers set us apart. We are dedicated to serving individuals, families, businesses, and nonprofits in our local communities, and we are proud of this commitment.
Purpose & Values
We operate by a strict, written purpose and set of values. Our Purpose is to build relationships that span generations. Our Values include stewardship, integrity, service, teamwork, community, and a pioneering spirit.
Rob Roberts
Area President, Highlands County
After a 10-year career as a US Army Officer and Cobra & Apache Attack Helicopter Pilot, Rob joined the Bank in May of 1996. He continued to serve as a reserve army officer until his honorable discharge in 2018.
Rob has extensive experience in commercial lending. He was the Executive Vice President and Senior Loan Officer for Wauchula State Bank, the first of Crews Bank & Trust legacy banks. He holds a Bachelor of Science in Aeronautics from Embry-Ridle Aeronautical University. He also attended the Harvard Business School course on management and the Florida School of Banking at the University of Florida.
Born in Highlands County and raised in Wauchula, Rob and his wife, Donna, are long-time residents of Highlands County. He has served in several nonprofit organizations over the years.
rroberts@crews.bank
Justin Williams
Vice President, Commercial Banker
Justin joined the Crews Bank & Trust team in 2024, bringing with him nearly a decade of experience to his new role. A Florida native originally from the Okeechobee area, he began his career in the engineering field but later made the switch to lending. Justin holds an associate of science degree in Drafting & Design Technology and a bachelor's degree in Technical Management. In 2018, he graduated from the Florida School of Banking.
An active member of the community, Justin is Treasurer of the Avon Park Diamond Club, a local high school baseball booster club, and is an active board member and past President of the Avon Park Chamber of Commerce. He is also a deacon and the treasurer at First Baptist Church of Avon Park.
In his spare time, Williams spends time outdoors with his wife, Sabrina, and son hunting, fishing, playing golf, and traveling.
jwilliams@crews.bank
Joanne Webb
Vice President, Commercial Banker
Joanne joined Crews Bank & Trust in 2018 in the Credit Risk Department. She transitioned to a commercial banker for the Highlands County Market in 2020 and was promoted to Vice President in 2024. Joanne is passionate about helping her customers grow and prosper with solutions that fit their specific business needs.
A lifelong Floridan, Joanne has called Highlands County home since 2006. She serves as a mentor and board member for Big Brothers and Big Sisters of Sun Coast. She is also a member and ambassador of the Sebring Chamber of Commerce and is an affiliate member of the Heartland Associate of Realtors.
She holds a Bachelor of Science in Finance and Management from Florida State University and a Master of Business Administration (MBA) from the University of Miami.
In her spare time, she enjoys volunteering in her community and spending time outdoors.
jwebb@crews.bank
Eduardo Maldonado
Assistant Vice President, Residential Lender
NMLS #803382
Eduardo was born and raised in Aguas Buenas, Puerto Rico, and is fluent in English and Spanish. He started his career in banking in 1993 before moving to Florida in 1997. Eduardo joined the Bank in 2005. He can assist all customers with their consumer, residential or commercial borrowing needs.
He has served on civic and nonprofit boards, his positions including Commissioner of the Avon Park Housing Authority and Secretary of the Lake Placid Noon Rotary Club. He loves helping his customers through the process of buying or building their dream home.
emaldonado@crews.bank
Shawanna Duncan
Vice President, Retail Banking Officer
NMLS # 2398895
Shawanna is lifelong Floridian from Highlands County and currently resides in Sebring. She joined the Bank as a personal banker in 2000, bringing with her over twelve years’ experience in banking, having worked as a teller, lead teller and assistant branch manager. She was promoted to Retail Banking Officer in 2020.
A graduate of Lake Placid High School, Shawanna actively contributes to the community as a Board Member at Nu-Hope Elder Care Services of Highlands County and as a mentor with Big Brothers Big Sisters. Additionally, she is a Bible teacher and the financial secretary at her church.
Shawanna has one adult son. In her free time, she enjoys spending time with her family and friends, reading and shopping.
sduncan@crews.bank
Heidi DeFranco
Business Relationship Banker
NMLS #854821
Originally from Salem, Massachusetts, Heidi DeFranco has called Sebring home since 2020.
Heidi joined the Bank in 2021 as a personal banker, bringing over 30 years of knowledge and experience in the banking industry. In her career, she has held the roles of Lead Teller, Customer Service Representative and Assistant Vice President, Branch Manager. In 2024, Heidi was promoted to Business Relationship Banker.
When not at the bank, Heidi chooses to spend time with her husband and two adult children. She also enjoys living an active lifestyle and can often be found at the gym.
hdefranco@crews.bank
