Terrie Spiro is the former President, CEO, and Director of Cecil Bancorp, Inc. and Cecil Bank. She was recruited to Cecil as a “White Knight” in November 2013 to lead a turnaround of Cecil, a highly trou­bled, GO-year-old community bank in N.E. Maryland. During her tenure, Spiro led a turnaround team that dramatically reduced the Company’s risk profile, addressed the bank’s urgent liquidity issues, and succeeded in completing the bank’s $30.2 million recapitalization. Having returned the bank to prof­itability and well-capitalized status, she resigned after seven years of service.

Spiro’s wide-ranging CEO, executive level and director experience includes top 50, multi-regional, re­gional, and community bank platforms, most of which were public companies located in the mid- At­lantic. She has a proven track record as a CEO in the formation and start-up of new banks, perfor­mance improvement in established banks, and the recap and turnaround of troubled banks where she is brought in by regulators as a” White Knight”. Spiro also has extensive experience in working with bank regulators, including the FRB, the FDIC, the OCC, and many state regulators.

Spiro is the Chairman and CEO of TNP, Financial Enterprise Consulting Services, LLC, which provides a variety of consulting services to Banks, Boards of Directors, Investment Banking Firms, and others fo­cused on the Financial Services Industry.
Spiro is also the co-founder and chairman of Bank On Women, Inc., a non-profit educational organiza­tion dedicated to increasing the number of qualified women in c-suites and in the boardroom of com­munity banks.

Spiro is a frequent speaker and panelist on a variety of financial industry topics, including the per­formance and other key benefits derived from gender diversity in financial services. Additionally, she is an author and co-author of articles on the need for increasing gender diversity in the c-suite and boardroom of community banks.

In addition to her professional experience, Spiro is an engaged civic leader. She is a member of the in­vitation-only International Women’s Forum (D.C. Chapter) and has been an active leader in the Greater Mid-Atlantic Region. Her regional activities have included Chairman of the Northern Virginia Chamber, service or membership on the boards of the Economic Club of Washington, the Northern Virginia Busi­ness Roundtable, the Northern Virginia Technology Council, the Virginia State Chamber of Commerce, and the Virginia Bankers Association. She has also served as a trustee for the George Mason University Foundation and has served on two Governors’ Commissions for the Commonwealth of Virginia. The Washington Business Journal selected her for the inaugural class of “Women Who Mean Business” for the greater Washington region.

Spiro is a native of Jacksonville, Florida, and currently resides on Amelia Island, Florida. She is a gradu­ate of Jacksonville University with a B.A. degree in English.