In October 2018, FNB Bank announced its purchase of a recently vacated building, located at 611 South 12^th 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.