ESTABLISHING ROOTS IN MAYFIELD-GRAVES COUNTY
In the heart of the Jackson Purchase in May of 1875, FNB Bank, Inc. was founded as the First National Bank of Mayfield with a capitalization of $100,000.
The Bank was established by Major Henry S. Hale, who became the first Bank president. Succeeding Major Hale as presidents were D. B. Stanfield, Ed Gardner, C.C. Wyatt, C.V. Morgan, E.A. Ross, Frederick D. Blume, Ted Hudson, Jeff McDaniels, Marty Nichols and currently Sally Hopkins.
MAIN OFFICE RENOVATION
Since the beginning, FNB has always remained as a dominate fixture on Mayfield’s historic court square. The original building, on the corner of Seventh and Broadway, was remodeled in 1921 and burned in 1936.
A NEW BUILDING
In 1937, a new building was built.
A MAJOR ADDITION WAS BUILT
1964, a major addition was built. (During the 1980’s, FNB made several updates to the Main Office facility.)
JACKSON FINANCIAL CORPORATION
In 1983, FNB Bank was purchased by Jackson Financial Corporation, a one-bank holding company established by former President, Mr. Frederick Blume. The corporation was named after the Jackson Purchase region of Kentucky. In 2007, a new ownership group made up of local investors purchased all stock of Jackson Financial Corporation and continues ownership today.
A NEW DRIVE-IN COMPLEX
In April 1985, FNB opened a new Drive-In Complex and was followed by the opening of the first Drive-Up ATM in August of 1988.
FORMER ACQUISITION AND EXPANSION HISTORY
Over the years, FNB Bank acquired three Banks in the area, including City National Bank, Farmer’s Bank of Mayfield, and the Bank of Farmington in 1987. As a result of these acquisitions, FNB began to grow throughout Graves County. This growth helped set the stage to expand the bank into neighboring Paducah-McCracken County.
FNB OPENS A LOAN PRODUCTION OFFICE
FNB opened a Loan Production Office in November 1998, at its current location, 630 Jefferson Street in Paducah, Kentucky.
BEYOND THE CITY LIMITS
In January 1999, FNB expanded its facilities beyond the city limits of Mayfield into the city of Wingo, located in Graves County at 52 Exchange Street. This expansion was a result of the only bank in Wingo closing after selling to another financial organization. FNB continues to be the only bank located in the city of Wingo and is housed in the same building as Wingo’s City Hall office.
CHARTER CHANGE
In 2005, FNB’s former President, Ted Hudson and Board of Directors made the decision to change the bank’s charter from a national charter to a state charter. With this change, First National Bank was required by law to change the name of the corporation by removing the word “National” from the formal name. Thus, management decided to adopt the initials of First National Bank and change the corporation’s name to FNB Bank, Inc. This was not an abrupt name change to the community, as First National Bank had been referred to as “FNB” for many years.
MAYFIELD EXPANSION
On May 30, 2008, FNB’s Board of Directors, local officials and executive management broke ground on the new main office building in downtown Mayfield next door to its existing Main Office. In addition, to better accommodate customers, FNB installed a new 24-Hour Drive-Up ATM on the south side of Mayfield, located at 310 Charles Drive in January of 2009.
MURRAY-CALLOWAY COUNTY EXPANSION
In 2008, FNB closed its Farmington Office, as a result of branching into the neighboring Murray-Calloway County community for the first time. On August 1, 2008, FNB opened a temporary storefront branch at 1304 Chestnut Street, in Murray, Kentucky.
NEW MAYFIELD ATM
To better accommodate customers in Mayfield-Graves County, FNB installed a new 24-Hour Drive-Up ATM on the south side of Mayfield, located at 310 Charles Drive in January of 2009.
MAYFIELD MAIN OFFICE
One year after breaking ground, during May of 2009, the employees of the Mayfield Main office moved into the new beautiful building located at 101 East Broadway. The banking facility allowed for all operations, administrative and retail employees to be housed under one roof, which improved communication and accessibility for both customers and employees. Shortly after the Grand Opening of the new facility, the original building that was built in 1937 was demolished.
RECENT INTEGRA BANK ACQUISITION
On April 28, 2010, FNB announced the purchase of the Mayfield and Cadiz, Kentucky locations of Integra Bank. On Monday, September 27, 2010, Integra Bank’s offices in Mayfield, located at 408 East Broadway and in Cadiz, located at 2558 Main Street and 1197 Canton Road opened their doors as FNB Bank, Inc.
Soon after the FNB and Integra Bank conversion concluded, FNB broke ground on a new Mayfield South office, located at 310 Charles Drive next to its existing 24-Hour Drive-up ATM.
NEW MAYFIELD SOUTH BANKING CENTER
On August 22, 2011, the new Mayfield South Banking Center relocated from 408 East Broadway (previous Integra Bank location) to its new home at 310 Charles Drive in Mayfield. The banking center provided easier accessibility to customers living in southern Mayfield-Graves County.
MURRAY OFFICE RELOCATES TO NEW BANKING CENTER
In the fall of 2012, FNB began constructing its new full-service Murray-Calloway Banking Center at 1445 Lowes Drive, which opened to the community in August of 2013.
FNB’S 140th BIRTHDAY
On Saturday, May 9th, 2015, FNB held a community wide celebration in honor of its 140th Birthday. The 140th Birthday Block Party was held at the Mayfield Main Office, located at 101 East Broadway. The event was for all ages and offered a variety of giveaways and door prizes, in addition to inflatables, a petting zoo, snow cone stand, BBQ and more.
New Operations Center
In September 2017, FNB Bank announced its purchase of the Mayfield Messenger building, located at 201 N. Eighth Street. FNB planned to renovate the building that the Messenger had called home since 1979 and use it for a new Operations Center.
In February 2018, renovations were completed on the new Operations Center. Operations and Customer Support Center staff relocated from their current location at FNB’s Mayfield Main Office to the new facility at the end of February 2018.
New Murray South Banking Center
In October 2018, FNB Bank announced its purchase of a recently vacated building, located at 611 South 12th Street in Murray, KY. FNB planned to renovate the building and use it as a second office location in Murray.
In October 2019, renovations were finalized and FNB’s Murray South Office was open for business. The location provided easier accessibility to customers living in southern Murray – Calloway County. Murray South is FNB’s first concept branch that offers a more modern, sleek design. With these concept branches, FNB also launched Universal Banker positions that allow an employee to do everything from assisting with teller transactions and opening accounts to taking consumer loan applications.
FNB Relocates Paducah Banking Center to Midtown
In June 2020, FNB Bank relocated its downtown Paducah office, located at 630 Jefferson Street to 130 Lone Oak Road, Suite 101. FNB’s new Midtown office is located across from the historic Coke Plant in the new
LaBelle Plaza and offers an added level of convenience for customers. The new banking facility is FNB’s second concept branch, modeled after the bank’s Murray South office. The branch offers new modern aesthetics and banking amenities, such as a self-serve kiosk and image deposit-taking ATM. All the while, the new office still offers traditional banking services and delivery channels to appeal to all customers bases.
FNB Awarded Designation of Savings Excellence by National Savings Program
In April 2021, FNB earned the annual America Saves Designation of Savings Excellence award. This honor is reserved for financial institutions who displayed exceptional achievement during America Saves Week activities. FNB is one of only 6 banks and 6 credit unions honored with this distinction. Collectively, these financial institutions encouraged over 92,000 individuals to deposit $157,557,265 into new and existing savings accounts during America Saves Week 2021.
America Saves is a campaign managed by the nonprofit Consumer Federation of America that uses the principles of behavioral economics and social marketing to motivate, encourage, and support low- to moderate-income households to save money, reduce debt, and build wealth. America Saves encourages individuals and families to take the America Saves pledge and organizations to promote savings year-round and during America Saves Week.
FNB Named Best Places to Work in Kentucky Winner
In June 2021, FNB was named the 12th Best Place to Work in Kentucky 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 17th Annual Best Places to Work in Kentucky Award Winners. The selection process, managed by Best Companies 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.
FNB’s Mayfield Main & Operations Office Destroyed by EF4 Tornado
On December 10, 2021, an EF4 Tornado caused catastrophic damage to FNB’s Mayfield Main and Operations Office buildings when it tore through Mayfield at approximately 9:26 PM CST.
New ATM At WK&T Technology Park
With the influx of tenants at the WK&T Technology Park following the December 10th tornado, FNB installed a new walk-up ATM at 100 WK&T Technology Drive, Building 300. The ATM is a cash disbursing only machine and FNB customers will not incur any transaction charges to use the machine with their FNB debit cards.
FNB Ranks In Top Five Best Places To Work In Kentucky in 2022
FNB Bank was recognized as the top five company in the small business division in Kentucky at the 18th annual Best Places to Work in Kentucky awards ceremony. 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 winner rankings at an awards dinner on June 9, 2022.
The selection process, managed by Best Companies 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.
New Benton Banking Center
In July 2022, FNB opened its new Benton Office at 315 W. 5th Street, Suite 700 in Benton. The office is FNB’s first location in Marshall County and the bank’s tenth location in the western Kentucky footprint. The new banking facility is FNB’s third concept branch, modeled after the bank’s Murray South and Paducah Midtown offices. The branch offers new modern aesthetics and banking amenities along with an image deposit-taking ATM.
Mayfield Downtown Mobile Office Opens
In December 2022, FNB opened a temporary Mobile Office in downtown Mayfield. The office is located at 201 North 8th Street (former site of FNB Operations Center) and will temporarily operate through the rebuilding phase of FNB’s Mayfield Main Office. The Mobile Office offers the same services as a standard FNB branch including the ability to process teller transactions, open deposit accounts, and lending services.
MAYFIELD MAIN RECONSTRUCTION
On December 9, 2022, FNB Bank held a groundbreaking ceremony to officially mark the rebuilding phase of FNB’s Mayfield Main Office, located at 101 East Broadway. The ceremony took place on the eve of the 1-year anniversary of the catastrophic tornado that caused irreparable damage to FNB’s Mayfield Main Office.
New Mayfield Main Banking Center
In January 2024, FNB’s new Mayfield Main Office, located at 101 East Broadway, opened for business. The previous Mayfield Main Office was destroyed by an EF4 tornado that swept through Mayfield on December 10, 2021. Construction on the new facility began in early 2023, lasting approximately one year. The new facility offers modern aesthetics and banking amenities with the same great staff and service.
FNB Completes Rebuilding Phase with New Operations Center
In December 2024, FNB completed its post-tornado rebuilding phase, as support staff employees moved into their brand-new office space in the bank’s new Operations Center. The Operations Center is located on the block of land behind FNB’s Mayfield Main Office, at 105 E North Street in Mayfield. The building houses FNB’s Operations, Customer Support Center staff, Audit, Compliance, and IT functions. The former Operations Center, located at 201 N 8th Street, was destroyed during the December 10, 2021, tornado that swept through Mayfield. Construction on the new Center began in August 2023.
New Leadership at FNB
The Board of Directors of FNB announced June 18th, 2025, a strategic leadership transition, naming Paul Scott as Chief Executive Officer and Lori Noel as President, effective October 1, 2025. This move divides the previously shared President and CEO role and coincides with the retirement of Sally Hopkins, who has been with the 150-year-old institution for 17 years, leading it for the past 5 years.
As CEO, Paul Scott is responsible for setting the strategic vision, leading the executive team, and ensuring financial and regulatory soundness. Scott has spent his entire 23-year banking career with FNB, most recently serving as the bank’s Chief Financial Officer. He joined the industry after earning his MBA from Murray State University and later graduated from Financial Managers School and the Graduate School of Banking in Madison, WI.
Lori Noel, the newly appointed Bank President, will guide the bank’s strategy, drive growth, and oversee organizational development as the institution enters its next chapter. Lori Noel has an extensive banking background with over 33 years of experience, most recently serving as the bank’s Chief Lending Officer. She is a graduate of Marshall County High School and attended Murray State University. Lori is a graduate of the Southeastern School of Advanced Commercial Lending, Kentucky Bankers Association General Banking School, Graduate School of Banking Wisconsin, and West Kentucky Regional Chamber Alliance’s Leadership West Kentucky. She currently serves as a Trustee for the Southeastern School of Banking and is a member of the Kentucky Agricultural Finance Board and Kentucky Agricultural Economic Development Board.
PRESENT DAY
Throughout our over 150-year history, FNB has taken pride in being locally owned, locally operated, and committed to the communities we serve. FNB has developed a rich tradition in banking wherein it remains as the 7th oldest bank in the state of Kentucky. As of today, FNB operates ten offices located in five counties in Western Kentucky. Currently, the Board of Directors consists of Sally Hopkins, Marty Nichols, Dr. Charles Shields, Kenny Hunt, Tony Goodman, Julie Cundiff, Dr. Jim Woods, Howard Cochran, Michael Vitale, Dr. Jay Brien, Alana Baker-Dunn.
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.
FNB delivers a wide range of products and services. You will also find the service you receive from our staff second to none. Above all, your goals are our goals, and we look forward to being your financial partner while providing you with a noticeably better customer experience.
Come Start Something Today at FNB!
