Author: Chelsea Culp

Josh Adams Joins FNB Bank as Residential Mortgage Leader

Written by Chelsea Culp on August 14, 2025. Posted in Headlines.

FNB Bank (FNB) is proud to announce that Josh Adams has joined FNB as a Residential Mortgage Leader. Josh brings over 14 years of banking experience, having served in various roles including Financial Services Specialist, Mortgage Loan Originator, and Mortgage Banker. In his position as Residential Mortgage Leader, Josh will be responsible for overseeing the mortgage department, ensuring efficient and effective operations.

“We are excited to welcome Josh Adams as FNB’s new Residential Mortgage Leader,” stated Sam Mahan, FNB’s VP/Senior Lender. “Josh brings more than 14 years of experience in the financial services industry, along with a strong commitment to customer service and deep knowledge of the mortgage lending process. His leadership will be instrumental as we continue to grow and strengthen our residential lending presence across the communities we serve.”

Josh is a 2007 graduate of Gibson County High School in Dyer, Tennessee. He obtained a Bachelor of Science in Business Administration in Finance from University of Tennessee at Martin in 2010 and a Master of Business Administration from Union University in 2012. Josh serves as Treasurer of the Board for Paris Country Club and coaches Pop Warner Football. He resides in Buchanan, Tennessee, and has two sons: Jackson and Buck.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $700 million. FNB ranks among the highest in the nation in the area of safety and soundness and has earned three consecutive ‘Outstanding’ ratings for the Community Reinvestment Act (CRA) by the FDIC. FNB is a 2021-2024 ‘Best Places to Work in Kentucky’ Small Business Category Award Winner. The bank currently has ten locations located in Graves, McCracken, Calloway, Trigg, and Marshall County. FNB is Member FDIC and an Equal Housing Lender.

FNB Employees Raise Money for Trigg County Happy Feet

FNB Employees Raise Money to Benefit Trigg County Happy Feet

Written by Chelsea Culp on August 13, 2025. Posted in Headlines.

FNB Bank employees recently held a friendly internal bank-wide competition to raise money for the Trigg County Happy Feet organization. Employees raised $1,414 through a jean day, and with an additional $300 donation from the bank, the total reached was $1,714. A check presentation was held on August 7th at the Happy Feet Shoe Day event to present the funds to Trigg County Happy Feet. Several FNB employees also volunteered their time at the Shoe Day event to help students select their new pair of shoes.

Happy Feet Equals Learning Feet is a 501(c)(3) nonprofit organization that provides brand new shoes to low-income students in need. Happy Feet partners with Shoe Sensation, who brings in a trailer load of shoes, sets up a mini store, and allows children to pick out shoes that fit. $40 covers the cost of one pair of shoes. FNB’s donation to Happy Feet covered the cost of 42 pairs of shoes for local Trigg County students in need. For more information about Happy Feet, please visit https://happyfeetequalslearningfeet.com/.

Terry Bradley Joins FNB Bank as Senior Vice President & Chief Operating Officer

Written by Chelsea Culp on August 12, 2025. Posted in Headlines.

FNB Bank (FNB) is proud to announce that Terry Bradley has joined FNB as Senior Vice President/Chief Operating Officer. With more than 40 years of experience in the banking industry, Terry has built a well-rounded career serving in various roles across both regional and community institutions. His leadership reflects a deep understanding of bank operations and a commitment to people-first service. In his role as Chief Operating Officer, Terry will be responsible for overseeing the bank’s daily operations and leading strategic initiatives.

“We are pleased to welcome Terry Bradley to FNB as our new Senior Vice President/Chief Operating Officer” stated Sally Hopkins, FNB President & CEO. “Terry brings extensive banking knowledge and decades of experience that make him a strong asset at FNB. His strategic insight and people-centered leadership approach align with our mission to serve our customers and communities with integrity and care.”

Terry’s professional banking career began in 1984. Over the course of his extensive tenure in the industry, he has held various titles across a wide range of areas, including retail banking, investments, accounting, trust services, finance, deposit operations, client experience, deposit strategy, and treasury management. Terry earned the prestigious Certified Treasury Professional designation in 2008. He is currently involved with Paducah Day Nursery & Learning Center, Sprocket, and the Mayfield Downtown Farmers Market. Terry resides in the Mayfield-Graves County area with his wife, Stephanie.

Security Alert: What You Need to Know About the GodFather Trojan

Written by Chelsea Culp on August 8, 2025. Posted in Money Matters.

At FNB Bank, protecting your financial information is one of our top priorities. We want to alert you to a dangerous new cyber threat known as the GodFather trojan — a type of malware that’s specifically targeting mobile banking customers, especially those using Android devices.

What Is the GodFather Trojan?

The GodFather trojan is a type of malicious software that impersonates legitimate apps, particularly banking apps, to steal sensitive information such as login credentials, account numbers, and personal data.

This malware often enters your device through:

Fake or look-alike apps
Phishing links sent via text or email
Malicious app updates

Once installed, GodFather may ask for excessive permissions. If granted, it gains full access to your phone, creates a hidden “virtual space,” and launches your actual banking app inside that environment. This allows cybercriminals to capture your login credentials in real-time, all without you noticing anything suspicious.

Who Is Being Targeted?

While any mobile device can be at risk, Android users are being targeted most often. The trojan is designed to impersonate real apps from trusted institutions, making it difficult to spot unless you know what to look for.

How to Stay Safe from the GodFather Trojan

Here are some important tips to protect yourself from this and other similar threats:

Avoid Clicking on Unsolicited Links

Even if a message or email looks legitimate, don’t click on any link you weren’t expecting. FNB will never send a link asking you to download an app or update personal information via text or email.

Only Use Official App Stores

Always download or update apps — especially financial ones — from the Apple App Store or Google Play Store. These platforms screen apps for safety, reducing your risk of downloading malicious software.

Be Wary of App Permissions

Be cautious if an app asks for unusual or excessive permissions, especially right after installation. If something feels off, don’t grant the permissions — and delete the app.

Enable Multi-Factor Authentication

Turn on multi-factor authentication (MFA) for your banking and other important accounts. This adds an extra layer of protection even if your password is stolen.

Contact FNB If You’re Unsure

If you ever question the legitimacy of a message, app, or phone call, don’t take the risk — reach out to us directly. We’ll walk you through the process and help you download the correct FNB app securely.

Report Suspicious Activity Immediately

If you notice anything strange — such as unexpected logins, password changes, or texts you didn’t request — contact FNB right away so we can secure your account and take any necessary action.

Your Security Is Our Priority

The GodFather trojan is a sophisticated threat but staying vigilant and following a few simple guidelines can make all the difference. FNB is here to support you every step of the way — from spotting scams to downloading the correct mobile app safely. Call our Customer Support Center at 888-934-2536 if you have questions or think your device may be compromised.

FNB Bank, Member FDIC.

Spirit Debit Card Reward Program Cards Spirit Debit Card Reward Program Cards

FNB Donates Over $21,500 Back to Local Schools Through Spirit Debit Card Program

Written by Chelsea Culp on August 4, 2025. Posted in Headlines.

FNB Bank is proud to announce that they have donated over $21,500 back to Mayfield, Graves County, Trigg County, and Marshall County Schools through their Spirit Debit Card Program. These donations to the school systems are a result of FNB’s 2^ndquarter 2025 Spirit Debit Card Program.

Graves County Spirit Debit Card Check Presentatino

Trigg County Spirit Debit Check Presentation

“We are proud to offer our exclusive FNB Spirit Debit Card Program to our local schools,” stated Brooke Wiles, FNB Marketing Director. “Our customers have pride in knowing that they are making a difference in the lives of our youth by simply swiping their Spirit Debit Cards at the checkout. The donated funds allow the school systems the opportunity to do more for their students and staff, which is an invaluable asset to our community.”

The FNB Spirit Debit Card Program allows FNB and their customers the opportunity to give back to their local schools when they use their FNB debit card. FNB currently offers Spirit Debit Cards for Mayfield, Graves County, Trigg County, and Marshall County Schools. The Spirit Card works like a traditional debit card and for each signature-based transaction (not using your PIN), FNB donates $0.10 to the corresponding school. The tracking process is hassle free for the card holder, as FNB does all the tracking and submits the check to each school on a quarterly basis. The donated funds are utilized at the school’s discretion.

Mayfield Schools Spirit Debit Card Check Presentation

Marshall County Schools Spirit Debit Card Check Presentation

In 2024, FNB donated over $85,000 to their participating schools through the Spirit Debit Card Program. To learn more about the Spirit Debit Card Program, stop by your nearest FNB Office or visit www.GrowWithFNB.com.

7th Annual Festival of Lights Offering New Light Sponsorship Opportunities

Written by Chelsea Culp on August 4, 2025. Posted in Happenings.

FNB Bank (FNB) is proud to be the title sponsor for the 7^th Annual Festival of Lights at the Mayfield-Graves County Fairgrounds beginning the Saturday after Thanksgiving on November 29^th at 5:30 PM. The Mayfield-Graves County Parks Department will be sending out renewal invoices soon for the past light displays and greeting cards.

“The light show continues to grow in popularity each year due to the outpouring of community support we’ve received over the past six years,” stated Brooke Wiles, FNB VP/Chief Marketing Officer. “Festival of Lights is a great way for our local businesses, community organizations, churches, local families and more to show their support and Christmas spirit. We need the community’s support to continue building on this tradition and making the light displays bigger and better each year.”

For those interested in purchasing a new light display, please visit https://GrowWithFNB.com/festival-of-lights/ to view an interactive catalogue of the available lights. After the initial purchase of a light display, a $100 renewal fee is assessed each year after to help supplement the cost of electricity for the displays. If you would like to order a light display or secure a greeting card spot, please contact the Mayfield Graves County Parks by e-mail at mgcfestivaloflights@gmail.com. The deadline to purchase and pay for new light displays and renewals is Wednesday, October 1^st. The deadline to reserve a greeting card spot is Monday, November 3^rdon a first come, first serve basis.

The drive-thru Christmas light display will open to the public on Saturday, November 29^th, 2025, and will run every weekend night through Thursday, January 1^st, 2026, from 5:30 – 8:30 PM as well as other special weekday nights. Admission is free but monetary and canned good donations are accepted.

Stay up to date with the Festival of Lights by following FNB’s Facebook Page at https://www.facebook.com/GrowWithFNB.

Back-to-School Banking: Smart Ways to Prep for a New School Year

Written by Chelsea Culp on July 31, 2025. Posted in Money Matters.

Back-to-school season is an exciting (and sometimes hectic) time for families. Whether you’re buying backpacks for first graders or budgeting for a college move-in, a little financial planning can go a long way. At FNB, we’re here to help you head into the school year feeling organized, prepared, and financially confident. Here are a few smart tips to get your finances in top shape before the school bell rings:

Create a Back-to-School Budget

Start by making a list of expected expenses: school supplies, clothing, technology, activity fees, and more. Setting a budget early helps you prioritize needs vs. wants, avoid overspending, and find opportunities to save. Don’t forget to factor in lunch money, gas for school commutes, or increased daycare costs.

Pro Tip: Use FNB’s online budgeting tools to create customized spending categories and track purchases in real time: https://growwithfnb.com/wp-content/uploads/2023/08/Household-Budget-Interactive.pdf.

Take Advantage of Tax-Free Weekends

Many states offer tax-free holidays for school-related purchases. Plan ahead to make the most of these weekends and stretch your budget further on clothing, shoes, and supplies. Check your state’s specific dates and qualifying items.

Set Up a Dedicated School Account

If you’re managing expenses for multiple kids or college students, consider opening a separate checking or savings account just for school-related costs. This helps you stay organized and monitor spending without mixing it with other household bills. Visit https://growwithfnb.com/personal-banking/ for more information on FNB’s checking and saving accounts or to open online today.

Enroll Kids & Teens in Financial Literacy Tools

Back-to-school is also a great time to teach kids and teens about money management. With Greenlight, powered by FNB Bank, you can give your child or teen a debit card with parental controls, while helping them learn how to budget, save, and spend wisely. FNB families get a FREE subscription to Greenlight. Learn more and get started here: https://growwithfnb.com/personal-banking/greenlight/.

Use Online & Mobile Banking for Convenience

Between school schedules, sports practices, and work, life gets busy. Make banking simpler with FNB’s mobile and online banking tools. Check balances, transfer funds, set up alerts, and pay bills – anytime, anywhere.

Get started with Online Banking here: https://www.growwithfnb.net/dbank/live/app/register.

Download our free Mobile Banking App (available for iPad, iPhone, and Android): https://growwithfnb.com/digital-banking/mobile-banking/.

FNB is here to help make back-to-school season less stressful and more financially sound. Whether you’re stocking up for kindergarten or prepping for college, we offer the tools, tips, and support you need to stay on track.

We’re also proud to offer Spirit Debit Cards – allowing you to show off your school spirit in a big way! FNB’s Spirit Debit Card Program allows FNB the opportunity to give back to local schools when our customers use their debit card. In 2024 we donated over $85,000 back to participating schools! FNB currently offers cards that support the Mayfield Cardinals, Graves County Eagles, Trigg County Wildcats, and Marshall County Marshals! Learn more at: https://growwithfnb.com/personal-banking/spirit-debit-cards/.

FNB Bank, Member FDIC and Equal Housing Lender.

Smart Summer Banking Tips from FNB

Written by Chelsea Culp on July 14, 2025. Posted in Money Matters.

Summer is a season for sunshine, travel, and making memories, but it’s also a time when staying on top of your finances is more important than ever. Whether you’re hitting the road, relaxing by the pool, or simply enjoying a break in routine, FNB has you covered with these essential summer banking tips.

1. Set Travel Alerts Before You Go

Before heading out on vacation, be sure to set a travel alert on your FNB debit or credit card. Letting us know your travel dates and destinations helps prevent any disruptions in card usage while also protecting your account from suspected fraud. Setting up an alert is quick, easy, and can be done through Online and Mobile Banking or by calling our Customer Support Center at 888-934-2536.

2. Use Mobile Banking

When you’re away from home or just on the go, your FNB Mobile App makes it easy to stay in control of your finances. Check balances, pay bills, transfer funds, deposit checks, and even turn your debit card on or off with just a few taps. It’s convenience and security, right in your pocket. Download our free Mobile Banking App today (available for iPad, iPhone, and Android). Learn more here: https://growwithfnb.com/digital-banking/mobile-banking/.

3. Be Cautious at the ATM

Summer travel can mean using unfamiliar ATMs. Be sure to use trusted ATM locations and always shield your PIN when entering it. If an ATM looks suspicious or tampered with, trust your instincts and find another location.

As a reminder, FNB customers with a Best Start Student Checking, Your Club Checking, or YourStart® Checking account can also use any ATM in the U.S. free of charge! Learn more here: https://growwithfnb.com/personal-banking/personal-checking/.

4. Budget for Summer Expenses

Between vacations, camps, back-to-school shopping, and utility spikes, summer spending can add up quickly. Use FNB’s budgeting template to plan and track your expenses: https://growwithfnb.com/wp-content/uploads/2023/08/Household-Budget-Interactive.pdf. A little planning now can go a long way in avoiding summer money surprises.

5. Watch Out for Scams

Scammers are active year-round, and summer is no exception. Be cautious with unexpected calls, texts, or emails that request personal or banking information. FNB will never ask you to verify account details or passwords through unsolicited messages. If something seems suspicious, contact your branch directly.

Stay Safe, Stay Informed, Stay Enjoying Summer!

At FNB Bank, we’re here to help you enjoy your summer with peace of mind, whether you’re close to home or miles away. If you have questions about travel alerts, mobile banking, or account security, don’t hesitate to contact our Customer Support Center at 888-934-2536. Your summer should be about fun and relaxation, not financial stress.

FNB Bank, Member FDIC and Equal Housing Lender.

FNB’s Recent Officer Promotions

Written by Chelsea Culp on June 30, 2025. Posted in Headlines.

FNB Bank is pleased to announce the recent promotion of officers at the Annual Meeting of the Board. During the meeting, the Board of Directors promoted Tyler Goodman to Vice President and David Jeffress to Senior Vice President.

Tyler Goodman has 6 years of banking experience and currently serves as Business Banking Officer for FNB. Tyler is a 2002 graduate of Graves County High School and a 2006 graduate of University of Kentucky where he earned a bachelor’s degree in Political Science. He is also a graduate of Kentucky Banker’s Association General Banking School and the Southeastern School of Commercial Lending. Tyler serves as a board member for Graves County Economic Development, the Annie Gardner Foundation, and the Mayfield-Graves County Senior Center. He is also actively involved with Mayfield Rotary Club and serves as a Graves County Commissioner. Tyler resides in Mayfield with his wife, Alex, and their daughter, Sidney.

David Jeffress has served as Chief Information Officer for FNB since 2017 and has over 23 years of experience in Information Technology. David is a 1997 graduate of Fulton City High School and a 2002 graduate of University of Tennessee at Martin with a Bachelor of Science degree in Computer Science. He also obtained a Master of Science degree in Information Systems from Murray State University in 2015. David resides in Farmington with his wife, Jessica, and their children: Sagan, Nolan, and Rosie.

CALL THE MAIN OFFICE:

270-247-1758

Author: Chelsea Culp

Josh Adams Joins FNB Bank as Residential Mortgage Leader

FNB Employees Raise Money to Benefit Trigg County Happy Feet

Terry Bradley Joins FNB Bank as Senior Vice President & Chief Operating Officer