Sandra K. Ryan is a Vice President/Branch Sales Manager at First Bank’s Randolph Branch, where she is responsible for the day-to-day branch operations, assisting branch personnel in goal achievement, and branch deposit growth, as well as business development of new and existing customers. Ms. Ryan began her banking career in 2001 at Fulton Bank of NJ, formerly known as Skylands Community Bank, as a Customer Service Representative. During her tenure with Fulton Bank, she served as Assistant Branch Manager, Branch Manager and Assistant Secretary.
Ms. Ryan is an active member of the Randolph Rotary Club, Randolph Area Chamber of Commerce, and Morris County Chamber of Commerce. She is fluent in English and Spanish.
Carol Monaghan oversees all areas of the branch including daily operations, sales, relationship building, associate performance and assists with new business development. Carol has over 20 years of banking management experience.
Carol holds an Associates Degree in Business Management and Marketing. She is a member of Middlesex County Regional Chamber of Commerce, Franklin Township Chamber of Commerce and the Somerset Business Partnership.
Darcy Lowe is a Commercial Lending Relationship Manager for First Bank. She is primarily responsible for developing new business in the Northern New Jersey region, and managing a portfolio of existing clients.
Darcy worked as a marketing professional in the Beauty industry for the first half of her business career, and moved into financial services in 2008. Prior to joining First Bank in July 2021, she was employed as a business banker at both Chase Bank and more recently at Santander Bank.
Ms. Lowe earned her Bachelor's Degree from Pace University's Lubin School of Business. She has served on the Board of Directors of Sharron Miller's Academy of Performing Arts in Montclair, NJ for seven years, and was elected Board President in 2018 where she currently serves.
Phone: (973) 895-5827
David DiStefano is the Regional President and First Senior Vice President for the Northern New Jersey Region of First Bank. He is responsible for overseeing all commercial banking activity in the market. Mr. DiStefano played a key role in the Bank’s first acquisition in 2014 successfully integrating both organizations and expanding the bank’s presence in Northern New Jersey. He has made significant contributions to the growth of First Bank’s business and served as commercial lending Team Leader in Central New Jersey before transitioning north.
Prior to becoming First Bank’s first employee at recapitalization in 2008, David served as Assistant Vice President/Business Advisor for PNC Bank and held various positions in commercial lending and credit administration at Yardville National Bank. He received the New Leaders in Banking Award from the New Jersey Bankers Association in 2012.
Mr. DiStefano earned a Bachelor’s degree from Franklin and Marshall College where he majored in Accounting and Finance and minored in Economics. At F&M, he was awarded the William H. Hager Prize for showing the highest attainment in the field of business, marketing, and merchandising. He received his MBA from Rider University and attended the Stonier Graduate School of Banking at the University of Pennsylvania. David is a licensed New Jersey Realtor. He and his family reside in Allentown, NJ. Mr. DiStefano is active in many volunteer organizations including his service as Treasurer for The Allentown Village Initiative.