USCB Financial Names Sergio Garrido Chief Credit Officer, Turner to Retire July 3
USCB•USCB Financial Holdings will name Sergio E. Garrido Chief Credit Officer effective July 6, 2026, succeeding William 'Bill' Turner who retires July 3 after more than 40 years in banking. Garrido has 15 years of commercial credit risk experience—including 11 at U.S. Century Bank—and helped on its 2021 IPO.
1. Appointment of Chief Credit Officer
Sergio E. Garrido will assume the role of Senior Vice President and Chief Credit Officer at U.S. Century Bank on July 6, 2026, replacing William 'Bill' Turner, who will retire on July 3 after more than 40 years in banking leadership.
2. Garrido's Background and Experience
Garrido brings over 15 years of commercial credit and credit risk management experience, including 11 years at U.S. Century Bank. He most recently served as Director of Credit Underwriting, leading loan decisions and supporting the bank's 2021 initial public offering.
3. Succession Planning and Strategic Impact
The transition reflects a structured succession plan aimed at preserving the bank's disciplined credit culture and underscores USCB's focus on developing internal talent to sustain strategic credit underwriting and portfolio management.
