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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!

STATEMENT OF CONDITION
(Unaudited, figures rounded to the nearest thousand)
December 31 2016 2015
ASSETS
Cash and due from banks 14,031,000 24,199,000
Securities 104,044,000 100,897,000
Federal funds sold - 205,000
Loans and leases, net of unearned Income 316,240,000 292,030,000
Less: Allowance for loan and lease losses 5,950,000 5,495,000
Net Loans and Leases 310,290,000 286,535,000
Bank premises and fixed assets 7,674,000 7,508,000
Other assets 16,002,000 15,175,000
Total Assets 452,041,000 434,519,000
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest bearing deposits 98,868,000 99,886,000
Interest bearing deposits 273,564,000 280,870,000
Total Deposits 372,432,000 380,756,000
Federal funds purchased 5,000,000 -
Other liabilities 25,296,000 6,729,000
Total Liabilities 402,728,000 387,485,000
SHAREHOLDERS' EQUITY
Common Stock 20,000 20,000
Surplus 40,560,000 40,560,000
Undivided Profits 8,594,000 5,412,000
Net unrealized gains (loss) on AFS Securities 139,000 1,042,000
Total Shareholder's Equity 49,313,000 47,034,000
Total Liabilities and Shareholder's Equity 452,041,000 434,519,000