Robert Bess Photo

Robert Bess

Senior Vice President


  • Chairman's Club
Born and raised in the south, Robert has carried over his southern hospitality into the financial industry. At such a young age, he developed a passion for people and changed lives through his leadership. Robert’s father was a veteran and his mother is a teacher; he unconsciously developed traits from both professions that have prepared him for a long career with The Federal Savings Bank.

Graduating from the University of Alabama with a Bachelor of Science in International Business Marketing gave Robert the necessary qualifications to enter into the banking industry. After graduation, he moved up north to work for another bank prior to transitioning to his current position with The Federal Savings Bank.

Robert’s motto is to change lives one mortgage at a time. He wants to make life more affordable by providing the best programs with the utmost customer service. He can assure you that if he can help you; he will. As much as he tires try to suppress his southern hospitality while on the job, it’s hard for to hide it from all his clients. He has a heart for people, and if an opportunity arises he will do his best to make sure the next person has it!


Just want to thank the whole team for everything they did to make this happens...Thanks!

- Abner G
Robert is the man.

- Alfred A
Robert Bess was very attentive and easily explained all my concerns. Thank you Federal Savings Bank for a wonderful experience!!

- Andrea T
I very much appreciate the process and overall communication from Robert and his team. This process would not have been possible without the support of Keyon Ringold and Gwenever who reached out on multiple occasions to solidify our loan. Gwen even called on Friday after to make sure everything went smoothly which made us feel super cared for and supported.

- Ashley D
Chevel & Bethany!

Thanks so much for refinancing my home! Selene already shows that the payoff has been applied. I can't believe they did it that quickly. And I am so excited that we're going to be saving $500 a month!!! You don't know how helpful that is going to be for our family! I have really enjoyed working with both of you and may share your contact information if any of my friends are looking to refi or purchase.

Thanks so much!

- Brady
Very happy with time frame start to finish knowledge of loan officer Robert Bess is hands down the best we have ever had to work with, if all of your loan officers are as capable and well trained as Mr Bess, The consumer is great hands.

- Bryan B
I thoroughly enjoyed working with everyone that assisted me in obtaining my loan. Each person that assisted and communicated with me were very professional.

- Carnell C
Robert Bess and his team deserve a raise! Whatever they are currently making it isn't enough! They were personable, knowledgeable, professional and VERY prompt. I couldn't have asked for a better experience with TFSB and their team. I will definitely refer anyone I know looking for a lender, specifically Mr. Bess and his team.

- Cody S
My family and I have would like to thank Robert and his team for their wonderful service. Our process was a bit unconventional, however, Robert and his team were dedicated and proficient which allowed our home-buying process to continue to moving forward. We recently closed and we couldn't be happier with our purchase! Thank you!

- Curtis B
Everyone from FSB was fantastic. They made this closing a breeze, thank you.

- Daniel G
Mr. Robert Bess gave me outstanding service from the beginning to end. THANK YOU MR. ROBERT BESS!

- Denise B
Chevel did a great job helping us with our loan process. He went above and beyond expectations to make sure we closed on time. Overall it was a good experience because of him.

- Dennis B
Mr. Bess is outstanding and very nice.

- Deokie N
Robert stated what his plan was and he followed through. Super grateful for him as he has helped me turn my finances around and the outlook on my future has done a complete 360.

- Dion G
Mr. Bess is the best! I highly recommend him!

- Elizabeth P
Chevelle Robert Bess is a pleasure to work with and is very knowledgeable we have done multiple loans and definitely plan to use him and send referrals as well.

- Evander C
Mr.Bess (Chevel), Keyon, and their team made it possible for us to get a VA mortgage loan. It was a smooth process from start to finish with the right guidance from the team every step of the way. Chevel and Keyon were always available when we had questions and concerns about our loan. We are so happy to be able to close on anticipated date. If anyone is looking to get a loan but not sure if they qualify, Chevel and his team would be able to help just like they did with our loan. Thank you Chevel, Keyon, and your team!!

- Fen C
Thank you for working your magic with my situation and getting us into our forever home!

- Heather H
Chevel did an outstanding job from beginning to closing. Thank you very much for your hard work!!

- James W
I was very pleased with Robert Bess who was quite knowledgeable and very responsive. Throughout the process, Mr. Bess always made me feel he would do whatever he could for me. You're lucky to have him.

- John W
Mr. Bess was prompt, knowledgeable, and patient throughout the entire loan process -- it was a pleasure to work with him!

- Karen P
Wow! This was the best bank I have ever worked with on a loan. Mr. Bess was such a pleasant, professional, patient man to work with Words can't say how much he has helped us with this refinance. I was nervous about working with someone over the phone that I have never met, but his voice was calming and put me at ease. He told me when he thought we would close and it was right on time.

His staff that worked on our loan were very professional and efficient and told me exactly what they needed and answered any questions I may have had right away. I would highly recommend Mr. Bess to my friends and family, he truly is an outstanding loan officer who knows his stuff and really cares about helping people I could feel it in my soul. Thank you Mr. Bess you have blessed our lives more than you will ever know.

- Kelley C
Robert Bess and his team were very helpful, personable, and professional. I was educated step by step about my loan process. I went from a high interest rate to a lower interest rate because of them. Thank you again and again!!!!!!

- Leslie V
Thanks for all your help Robert. Could not have done it without you and most importantly your level of commitment and partnership throughout the process.

- Lorena A
Mr. Robert Bess was nothing short of amazing! He encountered many obstacles in securing this loan, but he handled each one with great optimism and assurance that everything would work out. He was very professional and always made me feel that he sincerely cared about me and understood my needs. He kept me informed each step along the way. He was always easily accessible by phone or email. No question was a bother. This young man works extremely hard for his client. I will be recommending him to all my family, friends and colleagues! Also, I'd like to acknowledge his entire team which helped me through the process.

- Lucille C
I want to thank Robert Bess (Cheval) enormously, he was fantastic from the beginning of my journey on purchasing my condo for my mother. My journey began in 2019 Robert processed my loan application but at the end it did not go through from the sellers end, pandemic hit and we stopped our process. At the beginning of 2022 I reached out to him to open my file again and continued with me until the end. I am so appreciate of his time, dedication, support, his professionalism, the great communication we had always when I called, txt or emailed. I want to thank his assistant Keyon Ringgold, he helped me tremendously also through the process using the online portal to get up to date all the documents required. If you are in the need to apply for a Loan Robert Bess is your man. Thank you The Federal Savings Bank.

- Mayra S
James Phillips and Robert Bess did a good job with all the paperwork needed to help us finish the loan, answered my questions about costs and fees. Closing was set up and completed as scheduled.

- Milton H
Outstanding service. Me. Bess was amazing!

- Penny F
I was very happy with loan process and the people who handled my loan. Everyone was extremely professional and courteous.

- Robert W
Robert Bess, is amazing, personable and very, very knowledgeable, he's proficient in his craft! We wouldn't be in our beautiful home now without him.

What a pleasure it has been to work with you throughout this loan process!! I guess it was meant to be (fellow Senator:-))!! I certainly appreciate your professionalism, and patience....I know sometimes you had to track me down!! It's a blessing to have someone like you on board to help manage my account. Much continued success to you!!You make Sparkman High School look great!!!! Thanks again for all of your help !! You deserve a BIG bonus!!

- Sabrina W
They were great at answering all my questions right away

- Terrie C
Robert Bess was always prompt and answered all my questions.

- Thomas C
Mr. Robert C. Bess provided an excellent service and explained everything in detail so that I was able to understand all aspects of the loan process. I am extremely thankful for his assistance.

- Troy J
Robert Bess is excellent and very helpful. Highly recommend.

- Vikas P
Mr. Bess represented his product very well. I would definitely recommend him!

- Wendy P