Penny Morgans

Buffalo Branch Manager

NMLS # 174838

Penny more than 40 years of banking experience, with 22 of those years in mortgage lending. In her words, she appreciates that decisions can be made at a local level at OMB and the positive impact that has on the Buffalo community. She enjoys mentoring up-and-coming bankers, as well as coming to work every day to a beautiful, newly renovated branch.

Penny's CliftonStrengths Top 5

Learn more about CliftonStrengths from Gallup.

Want to get in touch with Penny? Reach out.

MONEY TIPS

HSA vs. FSA: What’s the Difference and Which One Is Right for You?

Healthcare expenses are inevitable - but overpaying in taxes doesn’t have to be.

Stack of dark-colored metallic credit cards

CVV Number: What It Is and Why It Matters

Wondering what the CVV on your debit or credit card means? Here’s how it works and why it adds an extra layer of security.

6 Simple Ways to Improve Your Financial Confidence

Financial confidence is built through clarity, planning, and steady habits—not perfection. By focusing on a few practical steps, you can reduce stress, make decisions with greater ease, and feel more in control of your financial future.

Not sure which account is right for you?

Take Our Quiz