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.
FNB Bank will be hosting a free Spring Shred Event on Thursday, May 1st from 10 AM to 2 PM in Mayfield. The event will provide the community the opportunity to dispose of paper documents and old, obsolete electronics. FNB has partnered with WPSD Local 6 for Super Shredder and OK E-Scrap for the Electronics Recycling. Both events will run simultaneously at separate locations.
“Shredding old personal documents and electronics is a very important step in protecting your identity,” stated Brooke Wiles, FNB Marketing Director. “We’re very happy to be offering our community this Spring Shred Event. It’s a win-win situation when you can clean out unwanted paper and electronics, all while protecting your identity in an environmentally friendly manner.”
WPSD Local 6 will be hosting “Super Shredder Thursday” at FNB’s Mayfield Main Office, located at 101 East Broadway. This is a great opportunity to safely dispose of personal documents without risking identity theft. Our shredding partner, Shred-it, will destroy up to 50 pounds of your personal documents for FREE! No business documents will be accepted. During the event, please enter FNB from the N 7th Street entrance (one way street between FNB and former Hall Hotel) and proceed through, exiting on N 6th North St (near the former Mayfield City Hall location). As a safety precaution, please stay in your car and allow our volunteers to unload the documents from your vehicle.
OK E-Scrap, LLC will offer our community the opportunity to recycle old, obsolete electronics for free at our current Operations Center, located at 105 E. North Street. During the event, please access the electronics shred event from the North 6th Street entrance and proceed through, exiting on E North St. All materials recycled or shredded, will be disposed of in a safe and environmentally responsible manner by OK E-Scrap LLC.
Acceptable e-waste includes: Computers, Servers, Hard Drives, iPads/Tablets, Kindles, Electronic Book Readers, Flat Screen Monitors/TVs, Laptops, All Circuit Boards, DVD Players, VCRs, Modems, Cable Boxes, Satellite Receivers, Routers, Cell/Mobile Phones, Telephone Systems & Hardware, Insulated Cable & Wire, Video Game Consoles, USB Cords, Batteries (Li-ion, Cell Phone, Laptop, APC, UPS), Printers, Networking Equipment, and Scanners.
Unacceptable e-waste includes: CRT Monitors, Console TVs, Projection TVs, Paint or Varnish, Glass Bulbs, Household Batteries (Ni-Cd, Alkaline, Lithium Primary, Li-ion Polymer), Large/Small Box TVs, and Ink/Toner Cartridges. Certificates of Destruction will be available upon request for free with multiple hard drive serial numbers. Hard Drive shredding is also free.
For questions pertaining to the Spring Shred Event, please contact FNB at 270-247-1758 or via email at events@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.
Money Market accounts and Money Market funds* serve different financial purposes and have distinct characteristics.
Money Market accounts are offered by banks and credit unions. They are essentially savings accounts with some checking account features, such as the ability to write checks or use a debit card. These accounts typically offer higher interest rates than regular savings accounts and are insured by the FDIC (Federal Deposit Insurance Corporation) or NCUA (National Credit Union Administration), providing a level of security for your deposits.
On the other hand, Money Market funds are a type of mutual fund that invests in short-term, high-quality debt securities, such as Treasury bills, certificates of deposit, and commercial paper. These funds are managed by investment companies and aim to offer higher returns than traditional savings accounts, though they come with some level of risk. Unlike Money Market accounts, Money Market funds are not insured, meaning there is a potential for loss of principal.
In summary, while both options offer liquidity and are generally considered safe, Money Market accounts are more suitable for those seeking security and insurance for their savings, whereas Money Market funds might appeal to investors looking for potentially higher returns with a willingness to accept some risk.
*Money Market funds are not FDIC/NCUSIF insured, may lose value, are not financial institution guaranteed, not a deposit, and not insured by any federal government agency.
FNB Bank (FNB) is proud to announce that they have donated $5,000 to the Trigg County Veterans Memorial Committee, to assist with the construction of the Trigg County Veterans Memorial Park. The memorial will be placed near Vinson Cemetery in Trigg County to remember the nine soldiers who died on March 29th, 2023, when two U.S. Army Black Hawk helicopters collided during a routine training exercise over a field off Maple Grove Road.
The original memorial will be dedicated to the fatal crash, with future plans for additional memorials to commemorate other veterans who died while serving our country. Plans for the initial memorial were unveiled at a ceremony following the Trigg County Veterans Parade on November 11, 2024.
“FNB proudly supports our military and is pleased to make this donation. March 29, 2023, was a tragic night in Trigg County and I applaud the committee’s efforts to create this memorial so we may never forget those nine soldiers. I am also happy to hear about the committee’s future plans that will memorialize other veterans from Trigg County that paid the ultimate sacrifice.”
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.
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