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About Us

Welcome to Asheville Savings Bank!

We aspire to provide superior financial services with honesty and integrity to help our customers and communities prosper by focusing on our core values while achieving sustainable profitability and reasonable returns to our stakeholders.

We possess an unwavering commitment to our core values:

  • Customer Focus where we hold ourselves to a higher standard of service.
  • Community Focus as we support the communities we serve with both our time and our financial resources.
  • Character as we do the right thing, even when no one is looking.
  • Capital Growth as we maintain high standards for strong capital supported by sustainable profitability through prudent banking practices.

For 80 years, Asheville Savings Bank has been serving the financial needs of our Western North Carolina neighbors. Originally chartered in 1936, Asheville Savings Bank is the largest community bank chartered and headquartered in Asheville. With 13 banking centers located in the counties of Buncombe, Henderson, McDowell, Madison and Transylvania, we provide the personalized attention that our customers deserve and the secure online and mobile banking tools that let our customers bank anywhere and at anytime. Asheville Savings Bank’s employees and directors volunteer over 460 hours monthly to over 75 unique community and civic organizations. The bank’s decisions are all made locally and we strive to develop strong relationships with our customers and our local community. For the third consecutive year, the bank was the recipient of the #1 BEST Bank, #1 BEST Bank for Small Business Services and #1 BEST Bank for Mortgages in Western North Carolina, as awarded by the readers of the Mountain Xpress newspaper. Asheville Savings Bank is an equal housing lender and Member FDIC.


Seated: Leslie D. Green, Dr. Kenneth E. Hornowski, Suzanne S. DeFerie, Stephen P. Miller
Standing: Wyatt S. Stevens, Alison J. Smith, John B. Dickson, John "Chip" Gould, Patricia S. Smith

Board of Directors

Suzanne S. DeFerie

President, NMLS#755027
Chief Executive Officer
Asheville Savings Bank and ASB Bancorp, Inc.
Asheville, North Carolina

John B. Dickson

Retired President and Chief Executive Officer
Asheville Savings Bank
Asheville, North Carolina

John “Chip” Gould

Vice Chairman of the Board
President, Cason Companies, Inc.
Hendersonville, North Carolina

Leslie D. Green

Community Volunteer
Asheville, North Carolina

Dr. Kenneth E. Hornowski

Retired Dentist
Adjunct Professor of Dentistry, UNC-Chapel Hill
Asheville, North Carolina

Stephen P.  Miller

GenSpan, Inc.
Asheville, North Carolina

Patricia S. Smith

Chairman of the Board
Asheville Savings Bank and ASB Bancorp, Inc.
Retired President, Community Foundation of
Western North Carolina
Asheville, North Carolina

Wyatt S. Stevens

Roberts and Stevens, P. A.
Asheville, North Carolina

Alison J. Smith

Smith Capital Inc.


Executive Management

Suzanne S. DeFerie

Suzanne S. DeFerie

President, NMLS#755027
Chief Executive Officer

Suzanne S. DeFerie has served as President and Chief Executive Officer of Asheville Savings Bank since January, 2008 and its holding company, ASB Bancorp, Inc since its incorporation in May, 2011. Prior to becoming CEO, Ms. DeFerie was Executive Vice President and Chief Financial Officer of the Bank for 16 years. 

A native of Lenoir, North Carolina, she is a graduate of Appalachian State University, holds a CPA license and was employed by Deloitte and Touche as a Senior Audit Manager prior to joining Asheville Savings Bank in 1991. 

Ms. DeFerie is active in the Asheville community, currently serving as 2013-2014 Chair of the United Way of Asheville and Buncombe County Board of Directors, Vice Chair of the Asheville Area Chamber of Commerce board, member of the board of directors of Mission Health System, member of the board of trustees and Executive Committee member of Mission Healthcare Foundation, member of the Economic Development Coalition of Asheville- Buncombe County, Smart Start of Buncombe County 2013 Champions for Children, Co-Chair of the 2011 Asheville 5x5 Economic Development campaign, 2010 United Way Campaign Chair, former Treasurer of the Board of Directors of the Asheville Area Habitat for Humanity, and a member of the Community Depository Institutions Advisory Council for the Federal Reserve Bank of Richmond.

She is a member of the Finance Council for the Basilica of St. Lawrence, a graduate of Leadership Asheville, former board member of the Black Mountain Center Foundation and  past president of the Asheville Breakfast Rotary Club.


David Kozak

David A. Kozak

Executive Vice President, NMLS#762786
Chief Lending Officer

David Kozak began his banking career in Scranton Pennsylvania 28+ years ago and has served in both regional banks such as PNC, BB&T, RBC, SunTrust, and several community banks. His areas of expertise include Commercial, Mortgage, Consumer, and Business lending, business development, and training.

Mr. Kozak is currently Vice-Chair of Avista Business Development Corp., Vice-Chair of The Health Adventure, Board Member for the American Red Cross and serves as a current member of the Asheville Rotary Club in addition to being a member of the Programs Committee for Leadership Asheville.  He has also served as Past President of the Hickory Kiwanis Club, Past President (two terms) and Treasurer for Kiwanis Club of East Burke, and Past President for Exchange Club of Hickory.


Kirby Tyndall

Kirby A. Tyndall

Executive Vice President
Chief Financial Officer

Kirby Tyndall has over 30 years of experience in the financial and public accounting industries. Mr. Tyndall is responsible for managing the bank’s financial and fiscal direction. He oversees the preparation of budgets and financial reports and recommends financial strategy.

A native of North Carolina, Mr. Tyndall earned his undergraduate degree in accounting from Barton College and his M.B.A. from Lenoir-Rhyne University. He is a CPA, a CGMA, and a member of the American Institute of Certified Public Accountants and the North Carolina Association of Certified Public Accountants.

Mr. Tyndall currently serves as a board of director for the Asheville Area Habitat for Humanity. 


Vikki Bailey

Vikki D. Bailey

Executive Vice President
Chief Retail Officer

 Vikki Bailey  joined Asheville Savings Bank in 1976 and has served in various roles during her banking career spanning 30+ years.  A native of Western North Carolina, Ms. Bailey’s experience includes Regional Management, City Executive in Marion and Hendersonville and business, mortgage and consumer lending. 

Ms. Bailey is active in the community currently serving on the board of the Blue Ridge Community College Foundation. She is a graduate of Vision Henderson County and has also served on the board of United Way of Henderson County and the McDowell Hospital. 


Diversity Statement

Commitment to Diversity

Asheville Savings Bank is committed to ensuring that the services we provide are relevant to the needs of all sections of the community and that our workforce represents the people that we serve.

We recognize that we work in a richly diverse community and understand the strategic importance of achieving a diverse workforce which reflects our community. As a Bank, we recognize the important leadership role we have in promoting and encouraging tolerance, fairness and equality within our organization, as well as the communities we serve.

We believe in treating all people with respect and dignity. We strive to create and foster a supportive and understanding environment in which all individuals realize their maximum potential within the company, regardless of their differences.

Asheville Savings Bank is committed to providing a work environment which celebrates diversity. We strive to create an inclusive corporate culture where all people are treated fairly. Each employee must make a personal commitment to this principle every day -- whenever we interact with our fellow employees and our customers.

Asheville Savings Bank recognizes its talented and diverse workforce as a key competitive advantage. Our business success is a reflection of the quality and skill of our employees. The Bank is committed to seeking out and retaining the finest human talent in order to ensure top business growth and performance.

We recognize that each employee brings their own unique capabilities and characteristics to their work. We value such diversity at all levels in the company. All Bank employees undergo diversity training. Diversity training encompasses raising awareness about issues surrounding diversity and promotes a philosophy of inclusion.


Investor Relations ASB Bancorp, Inc.

At Asheville Savings Bank, we aspire to provide superior financial services with honesty and integrity to help our customers and communities prosper by focusing on our core values while achieving sustainable profitability and reasonable returns to our stakeholders.
Asheville Savings Bank is wholly owned by ASB Bancorp, Inc.
Visit ASB Bancorp, Inc. for more information

For general inquiries contact us at:
800 222 3230 | | PO Box 652, Asheville, NC 28802

Copyright 2015 Asheville Savings Bank