May 29 (5/29) is known as National 529 Day—a dedicated reminder to start planning for your child’s future education with a 529 college savings plan. At FNB Investments, we believe there’s no better time than today to begin building a strong financial foundation for tomorrow.
What Is a 529 Plan?
A 529 plan is a tax-advantaged savings plan specifically designed to help families save for education expenses. Whether you’re saving for a four-year university, trade school, or even K-12 tuition, a 529 plan offers flexibility and peace of mind.
Benefits of a 529 Plan
Tax Advantages
• Tax-free growth on earnings when used for qualified education expenses
• Tax-free withdrawals for tuition, books, room & board, and more
Use at Eligible Schools Nationwide
• From colleges to vocational programs, your savings can go where your child’s dreams take them.
Minimal Impact on Financial Aid
• As a parental asset, 529 plans have a relatively low impact on FAFSA calculations.
You Stay in Control
• The account owner—not the student—retains control of the funds, regardless of age.
Why Start Early?
Saving early—even in small amounts—can have a powerful impact thanks to compound growth over time. Delaying even a few years could significantly reduce what’s available. The earlier you start, the better your chances of reducing future debt for you and your child.
It’s a Family Affair
A 529 plan also makes a thoughtful gift. Grandparents, relatives, and even friends can contribute to the plan. It’s a meaningful way to celebrate birthdays, holidays, and milestones.
How to Get Started with FNB Investments
At FNB Investment Services, we’re here to help you navigate your college savings options with confidence. Our team can walk you through:
• How a 529 plan works
• Which plan fits your family’s goals
• How to open and manage your account
• Long-term strategies for education and beyond
Visit your nearest FNB Bank branch or contact FNB Investments today to learn more.
Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing. This information is found in the issuer’s official statement and should be read carefully before investing. Investors should also consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investment in any state’s 529.
Securities offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.
Investments are: Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.
Registered Branch Address:101 E Broadway • Mayfield, KY 42066
FNB Bank is proud to announce that Lori Noel has been appointed to the Kentucky Agricultural Economic Development Board by Kentucky Commissioner of Agriculture Jonathan Shell. Lori currently serves as Executive Vice President and Chief Lending Officer for FNB and has an extensive banking background with over 33 years of experience. Lori will represent specialty crop producers on the Board.
Lori is a 1992 graduate of Marshall County High School and attended Murray State University. She is a graduate of the Southeastern School of Advanced Commercial Lending, Kentucky Bankers Association General Banking School, and Graduate School of Banking Wisconsin. Lori currently serves as a Trustee for the Southeastern School of Banking, Board member for Kentucky Ag Finance Corporation, and is currently participating in the West Kentucky Regional Chamber Alliance’s Leadership West Kentucky Program. Lori and her husband, Robbie, currently reside in Kirksey. They have four sons: Trevor, Tyler, Colton, and Colby, and three grandchildren.
During the 2025 Regular Session, the Kentucky General Assembly passed Senate Bill 28, establishing the Kentucky Agricultural Economic Development Board. This board was created to strengthen and expand Kentucky’s agricultural economy through strategic planning, targeted partnerships, and financial incentives. The board will administer programs, such as grants, forgivable loans, and revolving loan funds, to support infrastructure upgrades, market expansion, and value-added agricultural development. The overall goal is to attract private investment, create new economic opportunities, and uplift farming communities throughout Kentucky. The Board represents a collaborative effort between the Department of Agriculture, the General Assembly, Kentucky farmers, business leaders, and community stakeholders, all working to strengthen and expand Kentucky’s farm economy.
FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $689 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 Bank is proud to announce that they have donated over $20,800 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 1st quarter 2025 Spirit Debit Card Program.
“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.
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.
FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $689 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 Bank is proud to announce the success of our Spring Into Giving Food Drive, thanks to the incredible generosity of our employees, customers, and community partners. Together, we collected approximately 1,100 food and personal hygiene items, along with $200 in monetary donations, all benefiting five local food banks across our service areas:
Mayfield-Graves County – Needline and Food Pantry
Murray-Calloway County – Needline
Marshall County – Caring Needline
Paducah-McCracken County – Family Service Society, Inc.
Cadiz-Trigg County – Helping Hands
Thank you to all who helped us make this food drive a success. A special thank you goes to Southern Family Dental of Murray for their generous donation of toothbrushes and toothpaste, helping us expand the reach of our efforts.
The Spring Into Giving Food Drive is a project of FNB Bank’s inaugural LEAD (Leadership, Education, and Development) Class. The LEAD Class is comprised of six employees from all different offices/departments and market areas who share a common goal of further developing their leadership skills and banking knowledge within FNB. As part of being in the LEAD Class, the group was charged with the task of coordinating a community service project to benefit each of FNB’s communities. The goal of the project is to give back to local food pantries that selflessly serve those in need on a daily basis. Donations to these organizations tend to decline after the holidays, and the project’s goal is to help raise awareness and give these organizations the boost they need for the spring and summer months.
FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $689 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.
April is Community Banking Month, which the Independent Community Bankers of America (ICBA) calls “a celebration of the independent spirit and unwavering commitment of community banks to help consumers and small businesses achieve their financial goals to create communities of prosperity nationwide.” In April, PRI (Profit Resources Incorporated) is celebrating some of the excellent community banks that we’re fortunate to work with and observe up close what sets them apart in their communities. We spoke to First Kentucky Bank and FNB Bank of Mayfield, Ky., to learn how they set aside their roles as competitors to join forces to help rebuild their community after a devastating tornado leveled it.
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On Dec. 10 and 11 of 2021, a monster EF-4 tornado tore a path of destruction across some 165 miles in Kentucky. Mayfield, a town of around 10,000 people, was practically leveled and 24 people perished in the storm. More than three years later, Mayfield and the larger Graves County are still in the process of rebuilding several downtown mainstays, like the county courthouse, city hall and the police department.
In the aftermath of the storm, two competing community banks, both based in Mayfield, decided to combine efforts to help rebuild the place they’ve each called home since the late 1800s. First Kentucky Bank and FNB Bank partnered to provide a special loan and incentive program for businesses impacted by the tornado and called it DREAM Together. DREAM stands for Downtown Revitalization and Economic Advancement for Mayfield. Together, the banks are providing incentives and low interest loans for businesses that want to rebuild and reinvest in downtown Mayfield. The joint goal of FKB and FNB is to stimulate economic development and bring jobs back to one of the hardest hit areas in their community.
Stacy Overby, Chief Credit Officer of First Kentucky Bank, said they were in contact with FNB Bank from the beginning after the devastating tornado. At first, it was just to offer general help as neighbors to FNB, which suffered extensive damage to its buildings. But within weeks, the two banks were sitting down together to brainstorm about ways they could help the community of Mayfield as well.
“We asked what we could do together to help revitalize downtown in the longer term,” Overby said. “What do these folks need quickly and what can we provide? First Kentucky and FNB are the two local banks with local ownership, and it was vital to us to get something started. We met and came up with the program that we have today.”
Tyler Goodman, Assistant Vice President at FNB Bank, said they all recognized the importance of getting resources to the community quickly to facilitate rebuilding efforts. While awaiting insurance claim processing and FEMA funds, which can be delayed by complicated application requirements and the sheer magnitude of the devastation, many downtown businesses needed funds right away to continue to operate. In addition, as Mayfield was just coming out of the COVID pandemic, inflation was beginning to rise, and the cost of building materials had jumped sharply. Many found that insurance was simply not enough to cover the gap.
“With the DREAM Together program, we were able to lay out simplified parameters, offer attractive incentives and more favorable interest rates than they could get on the open market and get our customers their money promptly,” Goodman said. “Both banks set aside significant amounts of money for incentives for new or returning businesses because it was important for folks in the community where we all live and work to see downtown come back. Providing people with definitive answers and clarity really helped as they navigated some tough situations.”
Overby said they have approved loans that range from $15,000 to $1 million and paid incentives of more than $400,000 since the program began. The DREAM Together program is designed to help businesses of all sizes. The two banks committed up to $10 million combined in loans for the initiative, and they expect that DREAM will ramp up again soon as construction begins on some of the cornerstone downtown employers and government buildings, such as the city hall, county courthouse and police station.
“It’s a benefit to both banks and very encouraging to see downtown come back and become as vibrant as it once was,” Overby said. “When a natural disaster hits – or even when there’s just a mutual desire to help support and revitalize a community – it’s a good time to take off the competitive gloves a bit and have a spirit of cooperation. It not only makes good economic sense for the community and the banks, but I think it gives the community a good feeling to see two of the cornerstone institutions in Mayfield and Graves County coming together to benefit everybody.”
Goodman said the local nature of the DREAM Together program makes it special. The banks cooperatively designed DREAM to cater to their community and the immediate needs at hand. It was not a one-size-fits-all approach, which also makes it unique.
“We’re able to evaluate what our community needs based on the situation and make decisions locally, which is important,” he said. “You don’t have to appeal to Frankfort or Washington. You’re not waiting for someone you’ll never meet to make these decisions. It’s your neighbors and the people you see at school or the ball fields. It’s encouraging to see, and it shows that people do cooperate. Businesses get along, and it’s for the betterment of the community and the people who call Mayfield and Graves County home, more than for themselves.”
Overby expects that DREAM Together will continue to be part of helping to rebuild Mayfield, and the banks still have significant funds to distribute. He says if any Mayfield business has need for a loan or thinks they qualify for an incentive, they can contact a commercial lender at either bank who will walk them through the process.
FNB Bank is proud to announce that Annie Suiter has been named Senior Mortgage Loan Officer for FNB. Annie has seventeen years of mortgage experience and has served as a Mortgage Loan Officer for FNB since 2019. In her new role, Annie will provide direct oversight to our team of Mortgage Loan Officers and work directly with our Residential Mortgage Leader to provide leadership in loan production.
Annie is a 1996 graduate of Graves County High School. She currently serves on the Graves County Board of Realtors and as Treasurer for New Lease on Life, a non-profit disaster relief board. She resides in Wingo with her fiancé, Jamison Clark. Annie has three children: Bailey, Bryce, and Jett.
FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $690 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 Bank (FNB) is proud to announce its Spring Into Giving Food Drive to benefit area food banks and pantries. The food drive will run from Monday, April 14th through Monday, April 28th, with all FNB locations accepting non-perishable food items. The collected food items will be donated to the following organizations in each of the five markets that we serve:
Mayfield-Graves County – Needline and Food Pantry
Murray-Calloway County – Needline
Marshall County – Caring Needline
Paducah-McCracken County – Family Service, Society, Inc.
Cadiz-Trigg County – Helping Hands
The Spring Into Giving Food Drive is a project of FNB Bank’s inaugural LEAD (Leadership, Education, and Development) Class. The LEAD Class is comprised of six employees from all different offices/departments and market areas who share a common goal of further developing their leadership skills and banking knowledge within FNB. As part of being in the LEAD Class, the group was charged with the task of coordinating a community service project to benefit each of FNB’s communities. The goal of the project is to give back to local food pantries that selflessly serve those in need on a daily basis. Donations to these organizations tend to decline after the holidays, and the project’s goal is to help raise awareness and give these organizations the boost they need for the spring and summer months.
FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $689 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 Bank (FNB) is proud to announce that Camden Robbins has joined FNB as an Ag Commercial Lender. Camden brings a lifelong connection to agriculture, having grown up working on his family’s farm, where he most recently served as Assistant Farm Manager. In his new role as Ag Commercial Lender at FNB, Camden will partner with farmers and agribusinesses to provide tailored guidance and financial solutions to support their growth and long-term success.
Originally from Fairfield, Illinois, Camden is a 2024 summa cum laude graduate of Murray State University, where he earned a Bachelor of Agriculture Science, and will earn a Master’s of Agricultural Science this May. Camden is also a former Murray State University football player and currently resides in Murray.
“We’re thrilled to welcome Camden to the FNB team as our new Ag Commercial Lender,” stated Lori Noel, FNB EVP/Chief Lending Officer. “Camden brings a unique blend of hands-on experience and academic expertise to the role. Growing up on his family farm has afforded Camden a deep appreciation for the challenges and opportunities faced by the agricultural community, and he is dedicated to helping our clients succeed in today’s dynamic agricultural landscape.”
FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $689 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 and the Independent Community Bankers of America (ICBA) are celebrating Financial Literacy Month in April by encouraging Americans to take control of their financial future and learn fiscally responsible habits that can benefit them at every age and stage of their financial journey.
Twenty-seven percent of Americans report that “just getting by financially or finding it hard to get by” describes them completely or very well. Meanwhile 59% want financial advice, but only a third (32 percent) turn to registered financial advisors for help, despite the fact that 68 percent indicated a personalized financial plan based on their goals is important.
Often referred to as America’s favorite lenders, community banks are financial experts with a wealth of knowledge and local expertise to help consumers with:
Budgeting to help you track income and expenses and build a plan to manage your finances, reach your financial goals, and create a nest egg.
Saving to help you assess your savings goals and vehicles.
Using credit to establish and maintain good credit so you can reap the benefits from this convenient and flexible form of payment without the consequences of mismanagement.
Understanding debt load and available options like debt consolidation before taking out a loan.
“The key to achieving your lifetime goals is understanding financial principles,” ICBA President and CEO Rebeca Romero Rainey said. “The support of your local trusted community banker can lead to financial independence by managing debt judiciously, whether you’re looking to fund educational pursuits, start a business, or plan for retirement.”
FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $689 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.
About ICBA The Independent Community Bankers of America® has one mission: to create and promote an environment where community banks flourish. We power the potential of the nation’s community banks through effective advocacy, education, and innovation.
As local and trusted sources of credit, America’s community banks leverage their relationship-based business model and innovative offerings to channel deposits into the neighborhoods they serve, creating jobs, fostering economic prosperity, and fueling their customers’ financial goals and dreams. For more information, visit ICBA’s website at icba.org.
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