First National Bank of Northern California

Ameris Bank bankers look forward to your visit at our Panama City Beach bank location. You will be extraordinarily well-served by professional, courteous and knowledgeable bankers. Whether you prefer to conduct your banking in-person at our Panama City Beach bank location, over the phone, online, at the ATM or on your mobile device, Ameris Bank is committed to providing you with convenient, flexible access to your accounts anytime and anywhere.

Capital City Home Loans is a true partner and advisor throughout the homebuying process, providing exemplary service from the first conversation to beyond the closing table. Guiding you through the loan process step by step, to providing innovative lending products, Capital City Home Loans is the right choice for your mortgage lending needs.

As market president, Emory Singletary provides local leadership and guide the development and delivery of Capital City products and services, further strengthening the Company's position in Bay County. An accomplished career banker, Singletary has over three decades of experience in banking and financial services and an extensive background in commercial lending. He has held executive-level positions with SouthTrust, People's First Community Bank, VisionBank, Doral Bank and most recently, SmartBank. Singletary's impressive educational background includes a bachelor's degree from Troy State University in Troy, Alabama, as well as graduation from the American Bankers Association's Florida School of Banking and Louisiana State University Graduate School of Banking. Singletary demonstrates the Capital City Bank commitment to community, serving on the Bay County Chamber Military Affairs Committee and as an active member of the Alignment Bay County Operating Board. Singletary and his wife Beth reside in Bay County.