William C. "Bill" Happer

SVP, Commercial Banker
Mobile Phone
(984) 867-4806

Office Information

Office Phone
18 Lake Concord Road NE
Concord, NC 28025

Areas Served

Greater Charlotte

Get to know me

As a First Citizens commercial banker, it’s important to invest in understanding your business, strategies and key objectives. An established process and skilled team of specialists help me tailor solutions to fit you and your organization. Clients appreciate our trusted partnership in planning for long-term success.

I earned my Bachelors of Science degree from Catawba College with a concentration in Business Administration and Economics. My career includes over 30 years in banking with the majority of that time spent in the Commercial Banking and Wealth Management space. My specific focus has been working with clients in Healthcare, Logistic, Manufacturing and Wholesale Distributors space that are in the growth phase of the business cycle.

My spouse, Kim and I have been married for 38 years. We are the proud parents of two grown sons who are both graduates of Appalachian State University and have careers in the supply chain and logistics industry.

I am passionate about spending my spare time with family, friend and the outdoors. I am an avid sports fan, enjoy hunting, fishing, training our Labrador Retrievers and spending time cooking with my wife, Kim. I have been very involved in the United Way of Cabarrus County, Regional Cabarrus Chamber of Commerce and other community organizations. I believe strongly about giving back to our community as it has provided for us and will continue to provide for generation to come.

I invite you to connect with me on LinkedIn.

Our approach

At First Citizens, our Bankers view business relationships with you through a long-term lens. This aligns with our brand ethics, business philosophies and statement of purpose for building a long, lasting alliance. We make recommendations and decisions based on what’s best for your business and focus on your growth, expansion and success.

Management at First Citizens is regional, and we guide your accounts in the same manner—with regional support and authority. Our relationship management teams include inside and outside relationship managers, credit professionals and product specialists. Our consulting and business strategy services include industry change optimization, business process management and financial management processes.

We pride ourselves on working together to bring positive results to your business, as we see your vision come to fruition.

Industry Expertise

Healthcare and Medical
Manufacturing (Plastics, Metal, Rubber & Textiles)


Catawba College with a B.S. degree in Business Administration. Graduate of the Center for Creative Leadership

Community Involvement

Cabarrus County United Way Chairman, Served as Treasurer, Vice Chairman and Chairman of the Board of Directors of the Regional Cabarrus Chamber of Commerce

Personal Interests

I enjoy Appalachian State Football, golf, hunting, fishing and outdoor activities


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