Bank Management

Steven G. Deaton is President and Chief Executive Officer of Cornerstone Bank and an elected member of the Boards of Directors of Cornerstone Bank and Cornerstone Bancshares, Inc. Before joining Cornerstone, Mr. Deaton served in several executive positions at State Bank & Trust including Chief Banking Officer and Chief Risk Officer from August 2009 through January 2019.  Between 2006 and 2009, he served as Executive Vice President / Atlanta Regional President of Flag Bank and served as President of Business Banking for Georgia for RBC Centura Bank (following RBC Centura Bank’s acquisition of Flag Bank).  Prior to joining Flag Bank, Mr. Deaton spent 22 years in regional banking in various other positions. 
Susan P. Khayat is Executive Vice President and Chief Risk Officer of Cornerstone Bank.  Before joining Cornerstone, Ms. Khayat served as SVP/Manager of Commercial Underwriting for Iberiabank.  Prior to that, she served as Senior Vice President and Senior Credit Officer of Georgia Commerce Bank.  Ms. Khayat moved to Georgia Commerce Bank after the acquisition of Bank of Atlanta, where she had served as Senior Vice President and Senior Risk Officer.  Before moving to banking, she worked many years as a regulator with the Office of Thrift Supervision (now merged with the Office of the Comptroller of the Currency). 
Ed Carroll is Executive Vice President and Chief Credit Officer of Cornerstone Bank. Mr. Carroll joined Cornerstone Bank in 2004 and has 40 years of banking experience with expertise in credit, compliance, and lending. Throughout his career, he has performed various additional roles including an examiner with the Federal Reserve Bank of Atlanta and a loan review consultant. Prior to joining Cornerstone, Ed was Senior Vice President and Chief Credit Officer at Southern National Bank.