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Downtown Union City, TN


UNION CITY, TN. Forty years ago, Sharon Winsett began her career in banking at the former Old & Third National Bank. She worked in what was called the “note window,” where she took payments and posted them manually on the back of notes before putting them into the computer. She went on to become a secretary and then an administrative assistant before assuming her role as a Loan Officer in 1985. Old & Third National Bank eventually became Commercial Bank and Trust Company (CBTC), but Sharon continued her work with the bank.

“I have seen many changes in banking and been through many transitions,” said Ms. Winsett. “From government regulations to the way customers handle their business, banking is different now than it was when I started to work. Technology has had a major impact on the banking industry.”

Sharon worked in student loans, real estate loans and consumer loans. In that position, she also checked all real estate loans for compliance. She has worked at both of CBTC’s Union City locations and has been located at the Reelfoot Avenue branch since 2011. She has had the opportunity to work alongside great leaders at the bank, including Harold Jenkins, Ron DeBerry, Jim McFarlin, Jack Parker, and current CBTC Union City Community President Tim Shanks.

“CBTC has been good to me, and I have loved doing my job,” said Ms. Winsett. “I chose to stay with the bank when others tried to hire me away—that was the best decision ever. The thing I love most about my job is being able to help my customers. I want my customers to know that they can contact me at any time, and they do. I have always tried to make it as convenient as possible for them. Customer service is the key to success.”

Commercial Bank and Trust Company was chartered in 1877. The bank has operations in Jackson, Memphis, Paris, and Union City, Tennessee. Mott Ford is the Chief Executive Officer of Commercial Bank and Trust Company. In Union City, the bank has offices at 127 South First Street and 815 East Reelfoot Avenue.

For more information on Commercial Bank and Trust Company, visit

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