We're Right Here

In Episode 21 of We’re Right Here, host Karen Richards sits down with Justin Henry, COO of Panhandle Builders & Excavating and member of CNB Bank’s West Virginia Advisory Board. Justin shares insights into his career in construction, business leadership, and the importance of building strong relationships within the communities we serve.

In this episode, Karen Richards sits down with Terri Beard, Financial Solutions Advisor at CNB Bank. Terri shares about her career before joining CNB two years ago, her journey into the world of mortgage lending, and what she’s learned along the way. The conversation also dives into Terri’s passion for giving back, including her role as Board President of the Berkeley Springs-Morgan County Chamber of Commerce and her longtime involvement with the Apple Butter Festival. Tune in to learn more about Terri’s career, her connection to the community, and the many ways she stays involved both inside and outside the bank.

In this episode, Karen Richards sits down with Jill Colbert, Chairwoman of the Augustoberfest Charitable Foundation. Jill shares the story behind Augustoberfest, what makes the annual festival such a special tradition in Washington County, and how she became involved with the organization. The conversation also explores the important role volunteers and sponsors play in making events like Augustoberfest possible and supporting nonprofit organizations throughout our community.

From coaching football at Shepherd University to closing home loans across the Four-State region — this week, Karen Richards sits down with Jake Menard, mortgage banker at CNB Bank, to talk about the through-line that connects them both: people. Jake spent 11 years coaching at Shepherd University before joining the CNB Bank mortgage team, and he'll be the first to tell you the two roles have more in common than they look. In this episode, Jake and Karen talk about what it takes to succeed in mortgage banking today, why relationships matter more than rates, and how his community involvement shapes his approach to helping families find their first home — and their next one. In this episode:

• Jake's path from Clear Spring High School to Shepherd University football to CNB Bank
• Why the recruiting mindset translates so naturally to mortgage banking
• Building a referral network from open houses and honest conversations
• Life on I-81 — serving customers across Maryland, West Virginia, Pennsylvania, and Virginia
• The community organizations Jake gives his time to and why he picks them
• His recent nomination for Washington County Chamber's Young Professional of the Year
• The single biggest lesson he's learned about people, mortgages, and doing business the right way

About the guest:

Jake Menard is a mortgage banker at CNB Bank, primarily serving the Washington County, Maryland market and the surrounding Four-State region. He is a Leadership Washington County graduate (Class 39), a board member of Children in Need of Washington County, a member of the Shepherd University Athletic Committee, and continues to coach football at Shepherd University. He is active at Salem Reformed Church and lives locally with his wife.

About We're Right Here:

We're Right Here is the podcast from CNB Bank, hosted by Karen Richards. Every episode, we sit down with the people behind CNB Bank and the communities we serve across West Virginia and Maryland — the neighbors, the leaders, and the everyday stories that make our region what it is.

About CNB Bank:
CNB Bank is a community bank headquartered in Berkeley Springs, West Virginia, with nine branches across West Virginia and Maryland. Since 1934, we've been serving the personal and business banking needs of the Eastern Panhandle and Western Maryland with the products of a national bank and the relationships only a local one can offer.

🌐 Learn more at cnb.bank
📍 Nine branches across West Virginia and Maryland
🏦 Member FDIC · Equal Housing Lender · NMLS #681652

In this episode, Karen Richards sits down with Tara Sargent, Executive Director of Leadership Washington County. Tara shares her journey from a career in higher education to leading an organization dedicated to connecting, educating, and inspiring leaders throughout Washington County. The conversation explores the impact Leadership Washington County has on the community, the importance of civic engagement, and how the program helps participants better understand and serve the place they call home. Tune in to hear more about Tara’s passion for leadership, service, and building a stronger community.

In this episode, Karen Richards sits down with Gail Moxley, CNB Bank’s recently promoted Senior Vice President and Mortgage Banker. Gail shares about her long career in banking, her passion for helping customers through the homebuying process, and the variety of mortgage products CNB offers. The conversation also dives into family, grandkids, and even her love for raising mini donkeys. Tune in to hear more about Gail’s journey, the relationships she’s built throughout her career, and the impact she continues to make in our communities every day.

In Episode 15 of We’re Right Here, host Karen Richards talks with Sean Forney—President of RWR Insurance, Morgan County Commissioner, and member of CNB Bank’s Advisory Board. Sean shares what inspired his career in insurance, reflects on the time he and his wife owned the Star Theatre in Berkeley Springs, and discusses family life on their farm.

In this episode, Karen Richards sits down with Lauren Harmison, CNB Bank’s 2025 Employee of the Year. Lauren shares about her role as Executive and Training Coordinator, her previous experience in mortgage processing, and the many ways she helps keep things running smoothly across the bank. From staying organized to jumping in wherever she’s needed, Lauren’s dedication and teamwork are a big part of what makes CNB special. Tune in to hear more about her journey and the impact she makes behind the scenes every day.

We’re celebrating one year of We’re Right Here!  In this special anniversary episode, Karen Richards is joined once again by CNB Bank President & CEO Mark Harrell to look back at our Top 10 highlights from the past year. From technology upgrades and office improvements to education and training initiatives, award wins, and celebrating the retirements of some truly tenured team members—this episode reflects on a year of growth, progress, and community impact.Thank you for being part of the journey—here’s to year two!

Episode 12 of We’re Right Here features John Menard, Senior Banking Advisor at CNB Bank. John reflects on his long and accomplished career in mortgage lending, sharing how his professional journey began with a degree in law enforcement, continued through insurance, and ultimately led him to banking. He talks about his 12 years at CNB, the lasting relationships he’s built with clients, and what continues to drive his passion for helping people achieve homeownership. John and Karen also discuss the value of nonprofit involvement and how strong community connections support meaningful, relationship-based banking. It’s a thoughtful conversation about experience, service, and finding the right path.