Author: Chelsea Culp

FNB’s Spring Into Giving Food Drive

Written by Chelsea Culp on April 14, 2025. Posted in Happenings.

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 14^th through Monday, April 28^th, 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.

Camden Robbins Joins FNB Bank as Ag Commercial Lender

Written by Chelsea Culp on April 8, 2025. Posted in Headlines.

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 & ICBA: How Learning Fiscally Responsible Habits Help Reach Financial Goals

Written by Chelsea Culp on April 2, 2025. Posted in Money Matters.

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.”

ICBA also offers financial literacy programs through community bank partners including Visa’s Practical Money Skills, the FDIC’s Money Smart initiatives and the Jump$tart Coalition for Personal Financial Literacy.

About FNB

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's Spring Shred Event on Thursday, May 1st, 2025

FNB Announces Spring Shred Event in Mayfield

Written by Chelsea Culp on March 25, 2025. Posted in Happenings.

FNB Bank will be hosting a free Spring Shred Event on Thursday, May 1^st 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 6^th 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.

Money Market Account vs. Money Market Funds

Money Market Accounts & Money Market Funds…What’s the Difference?

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

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.

Click Here for our Current Money Market Account Special

*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.

Trigg County Veterans Memorial Committee Donation

FNB Makes $5,000 Donation to Trigg County Veterans Memorial Committee

Written by Chelsea Culp on March 11, 2025. Posted in Headlines.

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 29^th, 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.”

Use Your Tax Return for Your New Home

Written by Chelsea Culp on March 11, 2025. Posted in Money Matters.

Expecting a tax refund? While it may be tempting to spend the money on unnecessary or frivolous purchases, it’s important to make wise financial decisions to get the most out of your tax refund dollars. If you’re in the market to purchase a new home, there are numerous ways a tax refund can be beneficial:

Boost Your Down Payment: Use your tax return to increase your down payment, which can reduce your loan amount and potentially lower your monthly mortgage payments.
Cover Closing Costs: Allocate your tax return towards closing costs, which can include fees for appraisals, inspections, and legal paperwork. This can ease the financial burden during the home-buying process.
Pay for a Home Inspection: A thorough home inspection is crucial before purchasing a new home. Your tax return can cover this expense, ensuring you make an informed decision.
Start a Home Maintenance Fund: Set aside your tax return as a reserve for future home maintenance or unexpected repairs, providing peace of mind once you move in.
Purchase Essential Appliances: If you’re buying a home that doesn’t come with appliances, your tax return can help you purchase essentials like a refrigerator, washer, or dryer.
Invest in Energy-Efficient Upgrades: Use your tax return to make energy-efficient upgrades that can lower utility bills and add value to your home, such as installing a programmable thermostat or upgrading insulation.
Enhance Curb Appeal: Consider using your tax return for landscaping or exterior improvements, which can boost your home’s curb appeal and potentially increase its resale value.
Pay Down Existing Debt: Reducing existing debts can improve your credit score, potentially leading to better mortgage terms. Use your tax return to pay down high-interest debts.

Deciding the best way to spend your tax refund will ultimately come down to your financial goals and plans. If homeownership is one of those goals, utilizing your tax refund in any of the above ways will prove to be advantageous.

If you’re interested in learning more about FNB’s home loans or being connected with one of our experienced Mortgage Lenders, visit our online Mortgage Center here: Mortgage Center – Grow With FNB.

FNB Bank, Member FDIC and Equal Housing Lender. FNB Bank, Inc. NMLS ID: 556336.

Easter Coloring Contest and Art Exhibition

FNB’s 18th Annual Easter Coloring Page & Art Exhibition

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

FNB’s 18th Annual Easter Coloring Page and Art Exhibition is happening now! Enter our 2025 Easter Coloring Page and Art Exhibition by downloading our Easter Coloring Page here: English/Spanish or by stopping by any FNB Office to pick up a printed copy. Completed pages must be turned in by 12:00 PM on Thursday, April 17th at any FNB Office. Five lucky kids (between the ages of 0-10) will be chosen at random to win $50! See below for official coloring page contest rules.

FNB Easter Coloring Page Official Guidelines

The deadline for participants to turn in their completed Easter Coloring Page is Thursday, April 17, 2025, by 12:00 PM at any FNB Banking Center. The $50 drawings for the Easter Coloring Page will be held after 12:00 PM on Thursday, April 17, 2025. Each of FNB’s market areas will select a winner at random (Graves County, Calloway County, McCracken County, Trigg County and Marshall County). Need not be present to win. Winners will be selected at random. Winners are required to be between the ages of 0-10. The winners will be contacted via the phone number listed on the coloring page entry. Winners will have through May 31^st, 2025, to pick up their prize money at any FNB Banking Center. To enter by mail, send completed coloring page to the FNB Marketing Department, P.O. Box 369, Mayfield, KY 42066. FNB employees and their immediate families are not eligible to win.

Please contact Chelsea Culp, Marketing Assistant at (270) 247-1758 or by e-mail at chelsea.culp@growwithfnb.com for all questions pertaining to the Easter Coloring Page Drawing.

FNB Pagina de Colorear de Pascua Reglas Oficiales

Los participantes tendran que entregar la pagina de Colorear de Pascua antes del Jueves 17 de Abril del 2025 a las 12:00PM en cualquier Centro Bancario FNB. Los sorteos del $50 para la Pagina de Colorear de Pascua se llevaran acabo despues de las 12:00PM el Jueves 17 de Abril del 2025. Cada una de las area de mercado de FNB seleccionara un ganador al azar. (Condado de Graves, Condado de Calloway, Condado de McCracken, Condado de Trigg y Condado de Marshall). No es necesario estar presente para ganar. Los ganadores seran seleccionados al azar. Los ganadores deben tener entre 0 y 10 años. Los gandores seran contactados a traves del numero de telefono que aparece en la pagina de colorear. Los ganadores tendrán hasta el 31 de Mayo del 2025 para recoger el dinero de su premio en cualquier centro bancario de FNB. Para participar por correo, envie la pagina para colorear al Departamento de Marketing de FNB, P.O. Box 369, Mayfield, KY 42066. Los empleados de FNB y sus familiars no son elegibles para ganar.

Comuniquese con Chelsea Culp, asistente de marketing al (270) 247-1758 o por correo electronico a chelsea.culp@growwithfnb.com para cual quier pregunta relacionada con el concurso de Pascua.

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

FNB Donates Over $85,000 Back to Local Schools Through Spirit Debit Card Program in 2024

Written by Chelsea Culp on January 29, 2025. Posted in Headlines.

FNB Bank is proud to announce that they have donated over $85,000 back to Mayfield, Graves County, Trigg County, and Marshall County Schools through their Spirit Debit Card Program in 2024. Most recently, FNB’s 4^th quarter (2024) 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 www.GrowWithFNB.com.

CALL THE MAIN OFFICE:

270-247-1758

Author: Chelsea Culp

FNB’s Spring Into Giving Food Drive

Camden Robbins Joins FNB Bank as Ag Commercial Lender

FNB & ICBA: How Learning Fiscally Responsible Habits Help Reach Financial Goals

FNB Announces Spring Shred Event in Mayfield

Money Market Accounts & Money Market Funds…What’s the Difference?

FNB Makes $5,000 Donation to Trigg County Veterans Memorial Committee

Use Your Tax Return for Your New Home

FNB’s 18th Annual Easter Coloring Page & Art Exhibition

FNB Donates Over $85,000 Back to Local Schools Through Spirit Debit Card Program in 2024

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Author: Chelsea Culp

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