ABOUT FNB

In 1875 when FNB Bank was established in Mayfield, Kentucky, banks printed their own local money. Now being a great local bank means empowering customers to make more of their own. Through our 147 year history, we’ve stayed locally owned and operated, serving the customers we saw in our neighborhoods, on the ball fields and in church. We’re one of Kentucky’s seven oldest banks because we never forgot the power of personal connections. In our nine offices in Western Kentucky, we help customers make a way. With customers like ours, keeping up means going out of our way.

FNB has fueled our customer’s can-do spirit by always believing we can do more. We often weren’t the first choice. But after their experience at larger banks, customers discovered we were the right choice. The bank that got to know them well enough to invest not just money, but faith in their vision. A bank with products that made growing wealth easier and growing communities possible. Communities in the four counties we serve are now navigating a new digital frontier. We have not only cutting edge digital and mobile banking tools, our banking technology is ranked among the most secure in the country. You don’t follow the crowd. FNB is the leader with customers who follow their heart.

In 2017 and 2020, FNB Bank was awarded an “Outstanding” rating, the highest rating possible, from the Federal Deposit Insurance Corporation (FDIC) for our commitment to the Community Reinvestment Act (CRA). By awarding this rating, the FDIC acknowledged that FNB is continuing to meet the needs of the communities we serve and operate in, including low- and moderate-income neighborhoods and are consistent with safe and sound banking operations.

“We are honored to receive the Outstanding CRA rating again from the FDIC. It is a great accomplishment to have the continued efforts of our staff recognized by this distinction that very few banks achieve,” said Brooke Wiles, FNB’s Marketing Director and CRA Officer. “The rating recognizes FNB’s ongoing commitment to meeting the credit and development needs of all people in the communities we serve.”

Banks are evaluated on a variety of information pertaining to the communities they serve and how they rate against their competitors and peers in the areas of lending, investments and community services. Regulators usually spend several weeks reviewing each bank’s loans and the community services they provide, while also interviewing a variety of people within the communities about economic development trends, etc. An overall CRA rating is then assigned to each bank using a four-tiered rating system of Outstanding, Satisfactory, Needs to Improve, or Substantial Noncompliance.

FNB became one of Kentucky’s longest running banks by putting in the time when a lot was on the line for our customers. Follow our timeline through more than a century of progress made, challenges met and wins celebrated in the families and communities we serve.

View FNB TIMELINE