FNB Bank



Our Strong History

For over 140 years, 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 9th oldest bank in the state of Kentucky. As of today, FNB operates eight offices located in four counties in Western Kentucky. Currently, the Board of Directors consists of Marty Nichols, Charles Shields, Kenny Hunt, Tony Goodman, Ben Cundiff, Pete Mahurin, Jim Woods, Howard Cochran, Mary Jo Kephart, Michael Vitale and Director Emeritus George Covington.

FNB continues to deliver a wide range of products and services – including state-of-the art offerings like online banking and bill pay, mobile banking, and electronic statements. You will also find the service you receive from our lending officers second to none. In addition, FNB is ranked among the highest in the nation in the area of safety and soundness.

Above all, your goals are our goals, and we look forward to being your financial partner by providing you with a noticeably better customer experience. Think FNB!

(Unaudited, figures rounded to the nearest thousand)
September 30 2017 2016
Cash and due from banks 14,880,000 14,730,000
Securities 97,688,000 108,245,000
Federal funds sold 20,000 -
Loans and leases, net of unearned Income 351,562,000 304,051,000
Less: Allowance for loan and lease losses 6,125,000 5,959,000
Net Loans and Leases 345,437,000 298,092,000
Bank premises and fixed assets 8,435,000 7,649,000
Other assets 16,692,000 14,752,000
Total Assets 483,152,000 443,468,000
Noninterest bearing deposits 108,502,000 102,648,000
Interest bearing deposits 263,146,000 264,698,000
Total Deposits 371,648,000 367,346,000
Federal funds purchased 6,000,000 4,200,000
Other liabilities 54,137,000 21,595,000
Total Liabilities 431,785,000 393,141,000
Common Stock 20,000 20,000
Surplus 40,560,000 40,560,000
Undivided Profits 9,914,000 7,825,000
Net unrealized gains (loss) on AFS Securities 873,000 1,922,000
Total Shareholder's Equity 51,367,000 50,327,000
Total Liabilities and Shareholder's Equity 483,152,000 443,468,000
On Wednesday, January 24 from 5:15 pm to approximately 10:00 pm FNB's Main Office will experience a power outage that will cause all FNB ATMs to be temporarily unavailable, with the exception of the Jordan Drive ATM located in Paducah.