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Larry Ratliff has extensive experience in the banking industry, with their most recent role being Regional SVP / Manager of Commercial Banking at First Community Bank since October 2021. Prior to that, they served as Market President - Senior Vice President at First Community Bank from June 2014. In this role, Larry provided executive leadership for two divisions of the bank, overseeing 8 branches and $425 million in assets in southern West Virginia and southwest Virginia. Larry worked closely with various teams to drive loan, deposit, and non-interest income growth, as well as provide risk management and wealth management services to clients. Prior to joining First Community Bank, Larry worked at BB&T for 13 years, starting as a Financial Center Manager and eventually becoming Market President - SVP. In this role, they were responsible for leadership across a multi-branch market, focusing on commercial loan and deposit growth, fee-based revenue growth, and business development. Larry's earlier experience includes managerial roles at Matewan Banks and Heilig-Meyers Furniture Company.

Larry Ratliff attended Bluefield University, where they pursued a Bachelor of Science degree in Organizational Management and Development. The exact start and end years of their time at Bluefield University are not provided. Additionally, Larry Ratliff enrolled in the Wake Forest University - Banking Management School, although information about the degree and field of study is not given.