CEO Overview

Bayard Stevens Plowman is a life long banker in both St. Louis and Hannibal Missouri. In 2014 he stepped down after 27 years as President and CEO of F&M Bank and Trust. Following a six month sabbatical he has started his new company Bayard Business Capital and Consulting.

His community involvement includes past Chairman of the following organizations: Hannibal Regional Hospital, Chamber of Commerce, Hannibal Industrial and Development Company, United Way, and the YMCA.

He is a past board member of the Great River Development and Economic Foundation, Hannibal Public Library, Marion County TIF Commission, Mark Twain Museum and the Northeast Missouri Development Authority.

He is a 30 year member of Rotary, currently an Assistant Governor of District 6060.

He has been married for 42 years to Cindy Plowman. They have three children and three grandchildren.

Bayard Stevens Plowman


Team Members

Independent Business Consultants and Financial Advisers

Cary White

Cary joined Bayard Business Capital and Consulting 3 plus years ago, where he has worked with small and midsized business owners.   He is experienced in equipment financing, SBA loans, operating capital loans, account receivable financing, and commercial real estate loans.  One of his majors was in real estate at Rockhurst College which included his appraisal, business law, and accounting training.

Before BBCC, Cary was in the secondary mortgage banking industry for 20 years.  He last managed a Top Flite Financial, LLC. Branch.  Cary has been in various areas of real estate for over 40 years, from lending, managing, building, owning and selling.  He still does audits and consulting to insurance companies and lenders. His years of credit score consulting is invaluable to borrowers and startup companies.

Cary is a member of the Joplin Area Chamber of Commerce and other community groups.

He held a Series 6, 63, and Life Insurance licenses while at Waddell & Reed.  He also was a Missouri Real Estate Broker Licensee.

Can be found on or by calling 417-825-7398.

Cary White

Ed Schmid

Edwin (Ed) Schmid joined Bayard Business Capital and Consulting in 2020 as an Independent Private Banker after 37 plus years career in community banking in the greater St. Louis market.

Ed is involved in all aspects of community lending and focuses on commercial real estate and SBA transactions.

He is a graduate of University of Missouri, Columbia and member of the Maryland Heights Chamber of Commerce and involved with Rockit Careers and the Job Seekers Garden Club . Nonprofits that work with people in transition in careers through job fairs and networking events.

He can be reached at:
[email protected]

Ed Schmid