Leadership that's on the money

At Florida Capital Bank, solid leadership is the foundation for everything we do. And at the heart of it all is our Board of Directors. Together with our senior management team, they provide a strong banking experience, proven business acumen and community leadership experience that set us apart. With their guidance we will continue to offer the products, services, and technology consumers expect from larger banks, but with personalized, customer-focused service.


Chairman of the Board

Mr. Krusen is Chairman of Dominion Financial Group, Inc., a merchant banking organization that provides investment capital to the natural resources, communications and manufacturing and distribution sectors.  He is also the managing member of Krusen-Douglas, LLC, a large landowner in the Tampa, Florida area.

Mr. Krusen serves as a director of publicly traded Alico, Inc., an agribusiness and land management company, as well as several privately held companies including Lumina Analytics, LLC, where he is Chairman of the Advisory Board.

He is currently a director and chairman of Florida Capital Group, Inc. – a Florida bank holding company as well as Florida Capital Bank, N.A., its wholly owned subsidiary.

Mr. Krusen is a former member of the Young Presidents’ Organization and is currently a member of the World Presidents’ Organization.  He is past Chairman of Tampa's Museum of Science and Industry. Mr. Krusen holds a Bachelor of Arts degree in Geology from Princeton University (1970).


Vice Chairman of the Board

Mr. Johnson previously served as President and CEO of Florida Capital Group, Inc., and Florida Capital Bank, N.A.  Mark has been focused on growing the company’s four core businesses: mortgage lending, warehouse lending, conventional commercial lending, and specialty banking.  In the past few years, Florida Capital Bank, N.A. has made significant investments in technology and human resources that have created an engaging and efficient work environment focused on outstanding service to clients.  In 2020, Florida Capital Bank, N.A. was the number one bank in the State of Florida in return on average equity and return on average assets.

Prior to joining Florida Capital Bank, N.A. in 2006, Mark founded and was President and CEO of Florida Bank Mortgage, a division of Florida Bank, N.A. from 2002 to 2004. From 1976 to 2002, he was employed by HomeSide Lending where he last served as Executive Vice President of Production and Secondary Marketing. He is also the past Chairman of the Mortgage Bankers of America Secondary Capital Markets Committee, past member of the Fannie Mae Southeast Region and Residential Funding Corporation Advisory Boards, and a graduate of the School of Mortgage Banking. He holds a Bachelor of Business Administration degree from Valdosta State College.



Mr. Baker recently retired after 12 years at Florida Capital Bank, serving as Chief Credit Officer and Special Assets Manager before assuming the role of Managing Director, Banking in 2017.  Mr. Baker has had a long career in Florida banking with both regional and local institutions.  In the early 2000s, Mr. Baker was the founding CEO and director of the Bank of North Florida.  He also served as Chairman of the Board of the Museum of Science and History.

Mr. Baker received his B.S. in Business Administration from Washington and Lee University and his M.B.A. for the University of North Florida. He served as a First Lieutenant in the US Army in Vietnam and was awarded the Bronze Star and Combat Infantry Badge.


Director/FLCBank President and Chief Operations Officer (COO)

Phillip S. Buddenbohm joined Florida Capital Bank in September 2019 as its Chief Credit Officer. Previously, Mr. Buddenbohm served as Executive Vice President and Chief Credit Officer of Atlantic Coast Financial Corporation from 2013 until its acquisition by Ameris Bancorp in May of 2018, and Chief Credit Officer of Atlantic Coast Bank from 2005 to 2013. Mr. Buddenbohm spent the first 13 years of his career with National Commerce Financial Corporation in Memphis, Tennessee, serving in various roles of increasing responsibility. Mr. Buddenbohm has 26 years of experience in commercial, mortgage and consumer lending, commercial credit administration, and branch services.



Former Congressman Ander Crenshaw was elected to the U.S. Congress in 2000 and represented Florida’s Fourth Congressional District in the U.S. House of Representatives for sixteen years. During his tenure in Congress, he served on numerous committees including the House Appropriations Committee, where he chaired the Financial Services and General Government Appropriations Subcommittee. He also sat on the Defense Appropriations Subcommittee and State and Foreign Operations Appropriations Subcommittee. Congressman Crenshaw also served as a Deputy Majority Whip.

As Chairman of the Financial Services and General Government Affairs Subcommittee, Congressman Crenshaw was charged with the oversight and funding of the Department of the Treasury, Securities and Exchange Commission, Commodities Futures Trading Commission, Federal Deposit Insurance Corporation, Internal Revenue Service, Federal Trade Commission, and Federal Communications Commission, among others. In this role, he also led efforts to reform the Consumer Financial Protection Bureau and other aspects of the Dodd-Frank Act.

Originally, a member of the House Armed Services, Budget, and Veterans Affairs committees, Congressman Crenshaw also was active in international affairs and established himself as a respected voice on military issues. A champion for our men and women in uniform, he advocated for strengthening the nation’s defense capabilities and secured funding for numerous projects involving the U.S. Navy, U.S. Marine Corps, the Coast Guard, and Customs and Border Protection Services in particular. In 2013, Navy Secretary Ray Mabus recognized Congressman Crenshaw’s dedication to the nation’s Sailors and Marines and awarded him the Navy’s highest civilian honor – The Navy Distinguished Public Service Award.

As part of his leadership in international affairs, Congressman Crenshaw founded the Congressional Caucus for Effective Foreign Assistance and helped develop the Millennium Challenge Corporation, which reformed the way the United States provides foreign assistance.

In recent years, his signature legislation was the passage of the ABLE Act to benefit individuals with disabilities by allowing them to open tax-free savings accounts for certain expenses.

Prior to serving in Congress, Congressman Crenshaw spent nearly 20 years as an investment banker. He was a managing director at Drexel Burnham Lambert and later senior vice president at Donaldson, Lufkin & Jenrette. He also served as an elected official in the State Legislature, ultimately serving as President of the Florida Senate.

Congressman Crenshaw is Senior Counsel to the international law firm King and Spalding and serves on the board of The Crohn’s and Colitis Foundation. He received his B.A. from the University of Georgia and his J.D. from the University of Florida.



Mr. Culpepper is a trial attorney with the law firm of Culpepper and Kurland, PLLC in Tampa. His areas of practice are business litigation, insurance, administrative and banking law. He is AV rated by Martindale Hubbell, is listed in The Best Lawyers in America, was selected as a Super Lawyer in the litigation field, has received the ranking of No. 1 in Chambers USA, and is also listed in America’s Leading Lawyers for Business publication. Mr. Culpepper is a member of The Florida Bar and has served on the Florida Bar Foundation, Board of Directors, Young Lawyer’s Board of Governors, and several Florida Bar Professional Committees.

He practiced law in Tallahassee for over 45 years, attended the University of Florida, was co-captain of the 1962 football team, and is a member of the Hall of Fame. He attended The Levin School of Law, University of Florida, and served as President of the Student Government in 1965-1966. He is a member of the University of Florida, athletic Hall of Fame. He has also served on the Tallahassee City Commission, as President of the Tallahassee Chamber of Commerce and as President of the University of Florida Boosters. Mr. Culpepper has participated as a lecturer on a number of business and litigation topics including civil trial practice; financial institution director’s liability and corporate responsibilities.



Mr. Dostie served as President of Richard R. Dostie, Inc., a development and homebuilding company from January 1974 until August 2003.  In September 2003, Mr. Dostie sold his company to national homebuilder Toll Brothers, Inc.  Mr. Dostie remained on board as Division President of Toll Jacksonville Limited Partnership until May 2006.  Mr. Dostie currently serves as a director of Dostie Homes LLC, specializing in residential real estate development and single family home construction in N.E. Florida and Southeast Georgia. He is also a general partner in Kingsouth Investors LLC, a General Partner in RCR Acquisitions, a director of King South Construction Inc., specializing in the development and construction of suburban office parks.  Mr. Dostie is also the Managing Member of CRD Terra Pines LLC.

Mr. Dostie previously served as a director with Florida Bank, FSB, and as an advisory director with AmSouth Bank, and as a director of Florida Banks, Inc.



James W. Heavener is the CEO and Manager of The Heavener Company and The Heavener Company Holdings, LLC, respectively, through which he holds interests in education, media production, real estate, franchising, banking, and information technology. Mr. Heavener is Co-Chairman/CEO of Full Sail University, Los Angeles Film School and RMCAD (Rocky Mountain College of Art and Design). He is also a Director for Florida Capital Bank, and serves on the University of Florida Board of Trustees, the University of Florida Investment Company (UFICO), the University of Florida Alumni Association, the University of Florida Athletic Association, The University of Florida Gator Boosters, the University of Florida Foundation, UF Warrington College Business Advisory Council, the Truist Financial Corporation Advisory Board of Directors, and the Tim Tebow Foundation.



As a Director, Mr. Hughes brings more than 30 years of banking expertise.  He has served as President, Chief Executive Officer, and Director of both Florida Bank and Florida Capital Bank, and Chairman of the Board, President and Chief Executive Officer at SouthTrust Bank of Florida.  Mr. Hughes remains active in the community serving as a member of the Board of Trustees of the Gator Bowl Assn. He is also an Emeritus member of the Board of Baptist Health and Baptist Medical Center and continues to serve on several board committees for that organization.



Dr. Katsur is the owner of Katsur Management Group, Inc., which he founded in 1989. He has owned and operated general and multi-specialty dental practices since 1977, during which time he has built his practice from one location to one hundred fifteen locations in nine cities and five states. He is also a principal in Katsur Mortgage Holdings, and has been involved in multi-family residential, commercial, student housing, and land development.


Director/FLCBank Chief Executive Officer (CEO)

T. Keith Perry joined Florida Capital Bank as Executive Vice President and Chief Financial Officer. Previously, Perry served as an Advisor to and later an employee of Commerce National Bankshares of Florida, Inc. from 2012 – 2017. He has also served as the Chief Financial Officer for CenterBank of Jacksonville, N.A., and American National Bank of Florida from 1999-2011, and 1981-1998 respectively. Perry holds a Master of Accountancy from the University of North Florida, where he has also previously taught undergraduate commercial banking.

Executive & Management Teams



Florida Capital Bank Board members, Management team, and employees honor the memory of a colleague, and friend J. Malcolm Jones, Jr. He was a man of enormous vision and integrity and his loss has been deeply felt throughout our organization.

Malcolm had a remarkable gift, balancing firm principles with a light touch. Never looking for credit and only inserting himself when he thought necessary, he succeeded in moving groups to better places. A remarkable leader, mentor, partner, and friend, he will be deeply missed.

Read more about Malcolm's legacy.