Author: Chelsea Culp

FNB Bank has been awarded an “Outstanding” rating, the highest rating possible, from the Federal Deposit Insurance Corporation (FDIC) for our efforts that support the Community Reinvestment Act (CRA) for the third consecutive exam period.  The FDIC recently conducted their examination process, which covered the period from March 2020 to March 2023, and evaluated the bank’s lending and community development services based in the bank’s service area.  By awarding this rating, the FDIC acknowledged that FNB is continuing to meet the needs of the communities it services, including low- and moderate-income neighborhoods, and is consistent with safe and sound banking operations.

“We are honored to receive the Outstanding CRA rating for the third consecutive time 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, all while working during a global pandemic and after tornado devastation,” said Brooke Wiles, FNB’s VP/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 peers in the areas of lending, investments, and community services.  Regulators 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 Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $650 million.  FNB ranks among the highest in the nation in the area of safety and soundness. 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 its recognition as one of the 2023 Best Places to Work in Kentucky winners in the Small Business Category. The announcement comes from the Kentucky Chamber of Commerce, the Kentucky Society for Human Resource Management (KYSHRM) and ClearPath Mutual Insurance Company, who released the complete list of the 19^th Annual Best Places to Work in Kentucky Award Winners on Wednesday, March 15th. View the alphabetical list of winners here: https://www.bestplacestoworkkentucky.com/awards/winners.  Official rankings will be announced on June 8, 2023.

Winners from across the state have been selected in three categories: small companies of 15-149 employees, medium companies of 150-499 employees and large companies consisting of more than 500 employees (categories based on number of U.S. employees, only Kentucky employees surveyed). The selection process, managed by Workforce Research Group, is based on an assessment of the company’s employee policies and procedures and the results of an internal employee survey.

The competition is a multi-year initiative designed to motivate companies in the Commonwealth to focus, measure and move their workplace environments toward excellence. Numerous studies show a strong correlation between profitability and creating a good place to work.

For 75 years, the Kentucky Chamber of Commerce has represented the interests of member businesses throughout Kentucky – from family-owned shops to Fortune 500 companies. As the state’s premier business advocate, the Kentucky Chamber is a recognized and respected voice across the Commonwealth, working every day to unite business and advance Kentucky. Kentucky SHRM consists of 12 local chapters that provide ongoing education and leadership opportunities for over 3,000 human resource professionals throughout the Commonwealth. For more details about Best Places to Work in Kentucky, visit www.bestplacestoworkkentucky.com.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $650 million.  FNB ranks among the highest in the nation in the area of safety and soundness. The bank currently has ten locations located in Graves, McCracken, Calloway, Trigg and Marshall County. FNB is Member FDIC and an Equal Housing Lender.

A check presentation was held on Tuesday, March 7th to present DREAM Together funds to Home Team Title in the amount of $17,250.  Home Team Title is the latest local business to take advantage of the DREAM Together partnership program offered by FNB Bank and First Kentucky Bank.  The DREAM acronym stands for Downtown Revitalization & Economic Advancement for Mayfield.  Together, both Mayfield-based banks have partnered to provide incentives and low interest loans for businesses that want to rebuild and invest again in downtown Mayfield.  The collective goal of FKB and FNB is to stimulate economic development and put jobs back in one of the hardest hit areas in the community.

Home Team Title is now open at their new location at 317 S Ninth Street. Their former office building was damaged beyond repair during the December 10, 2021, tornado that swept through Mayfield. Home Team Title offers real estate title and closing services. Home Team Title is affiliated with the law firm of Greg Taylor & Associates and is owned by Greg Taylor.

About FNB Bank, Inc.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $680 million.  FNB ranks among the highest in the nation in the area of safety and soundness. FNB is a 2021 and 2022 ‘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 First Kentucky Bank

First Kentucky Bank is a Kentucky-based community bank established in 1899 with assets exceeding $565 million. First Kentucky provides a personal approach to finances for those in six counties, including Carlisle, Graves, Livingston, Marshall, Muhlenberg, and Ohio. They are committed to bringing customers simple ways to connect, grow, and protect their financial health in both personal and business endeavors.  First Kentucky is a Member FDIC bank and an Equal Housing Lender.

FNB Bank is proud to announce that they have donated over $81,000 back to Mayfield, Graves County, Trigg County, and Marshall County Schools through their Spirit Debit Card Program in 2022.  Most recently, FNB’s 4^th quarter (2022) donation resulted in over $21,000 to the participating schools.

“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. To learn more about the Spirit Debit Card Program, stop by your nearest FNB Office or visit growwithfnb.com/spirit_debit_cards/. 

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $650 million.  FNB ranks among the highest in the nation in the area of safety and soundness. FNB is a 2021 and 2022 ‘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.

A check presentation was held on Friday, February 17th to present DREAM Together funds to Wilma’s Kountry Kitchen in the amount of $39,625.  Wilma’s is the latest local business to take advantage of the DREAM Together partnership program offered by FNB Bank and First Kentucky Bank. The DREAM acronym stands for Downtown Revitalization & Economic Advancement for Mayfield.  Together, both Mayfield-based banks have partnered to provide incentives and low interest loans for businesses that want to rebuild and invest again in downtown Mayfield.  The collective goal of FKB and FNB is to stimulate economic development and put jobs back in one of the hardest hit areas in the community.

Wilma’s Kountry Kitchen, located at 113 N 12^th Street, sustained significant damage during the December 10^th, 2021, tornado and has been undergoing necessary renovations to become operational again. The restaurant officially reopened for business on Friday, February 17^th.

About FNB Bank, Inc.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $680 million.  FNB ranks among the highest in the nation in the area of safety and soundness. FNB is a 2021 and 2022 ‘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.

A check presentation was held on Tuesday, February 7^th, to present DREAM Together funds to Wes Mills DMD, PLLC in the amount of $23,700.  Dr. Wes Mills and his wife, Mary Ann, took advantage of the DREAM Together partnership program offered by FNB Bank and First Kentucky Bank.  The DREAM acronym stands for Downtown Revitalization & Economic Advancement for Mayfield.  Together, both Mayfield-based banks have partnered to provide incentives and low interest loans for businesses that want to rebuild and invest again in downtown Mayfield.  The collective goal of FKB and FNB is to stimulate economic development and put jobs back in one of the hardest hit areas in the community.

Dr. Wes Mills is now reopened for business at 203 E North Street in Mayfield as of early January 2023. The former building was damaged beyond repair during the December 10, 2021, tornado that swept through Mayfield and a new building was constructed at the same location.

About FNB Bank, Inc.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $650 million.  FNB ranks among the highest in the nation in the area of safety and soundness. FNB is a 2021 and 2022 ‘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 First Kentucky Bank

First Kentucky Bank is a Kentucky-based community bank established in 1899 with assets exceeding $547 million. First Kentucky provides a personal approach to finances for those in six counties, including Carlisle, Graves, Livingston, Marshall, Muhlenberg, and Ohio. They are committed to bringing customers simple ways to connect, grow, and protect their financial health in both personal and business endeavors.  First Kentucky is a Member FDIC bank and an Equal Housing Lender.