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FNS Bancshares

Full company profile

uuid0005adi

Namestring
FNS Bancshares
Websiteurl
accessfnb.com
Company typeenum
Private
Founded yearint
1985
Descriptiontext

FNS Bancshares is a privately held bank holding company headquartered in Scottsboro, United States. Founded in 1985, the firm operates as a commercial banking institution offering financial services to its regional market; based on the firmographic profile (101-250 employees, single-city headquarters, website at accessfnb.com) it functions as a community-oriented bank, most likely the holding entity for a community bank franchise serving northern Alabama. The institution is structured as a for-profit, non-public company, consistent with a closely held community bank holding company ownership model.

Product, technology, and revenue mechanics are not documented in the provided source data. There is no enumerated product set, pricing schedule, or segment mix; the only explicit commercial signal is a ~$17.52M capital raise in July 2018 with undisclosed investors. As a bank holding company, the implicit revenue model is net interest margin on the lending book plus noninterest income (deposit fees, treasury, wealth), funded primarily by core deposits and the 2018 capital infusion — but no asset, deposit, loan, NIM, or efficiency data is available in the input to substantiate this.

Ownership, governance, management roster, subsidiary list, M&A history, and expansion footprint beyond the Scottsboro base are also not provided in the source material. A large portion of the input text pertains to Cadence Bank's transition into Huntington Bank and references certifications (FDIC-Insured, Member FDIC, Equal Housing Lender) that source exclusively to Huntington National Bank rather than FNS Bancshares; those should not be attributed to FNS. Strategic, operational, and financial conclusions in this analysis are therefore constrained to what is explicitly supported for FNS Bancshares, with gaps flagged.

Short descriptiontext

FNS Bancshares is a privately held community bank holding company founded in 1985 and headquartered in Scottsboro, United States, employing 101-250 people to deliver commercial banking and related financial services to its regional market.

Ownership categoryenum
Headcount rangeband
101–250
akta.pro rankint
HeadquartersScottsboro, United States
HQ citystring
Scottsboro
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Keyword5 values
commercial banking services, community banking, business banking, commercial lending, financial services
SIC code1 code
  • State Commercial Banks6022
Product category
Commercial Banking
Social media profiles1 record
Cost components5 values
Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
GTM typeB2B
B2B
Offering typeServices
Services
Core offering1 text field

FNS Bancshares is a commercial banking company that offers financial services. Operating through its Scottsboro, Alabama-based subsidiary, the company provides community and commercial banking services including deposit products and lending to commercial clients. The company functions as a traditional bank holding company, with service delivery supported by an online banking channel and physical branch presence.

Differentiator
Functional benefit
Problem solved
Product overview1 text field

No product or service information available in the provided source data.

Product and service2 records
1Commercial Banking Services
CategoryCommercial Banking
2Online Banking
CategoryDigital Banking
Recent move1 record

Each record includes

Date, Type, Title, Description, Source

Expansion highlight1 record

Each record includes

Type, Description

Peers8 records
TypeDirect peer
Description

Tennessee-based community bank holding company with similar multi-branch community banking model and Southeast footprint. Comparable in scale tier and target customer mix (consumers, SMBs, professionals).

TypeBroad incumbent
Description

Large Southeast-focused regional bank holding company with a community banking style at the local level. Broader incumbent operating across many of the same Southeast markets as FNS Bancshares, with substantially greater scale.

TypeBroad incumbent
Description

Large regional bank holding company headquartered in Birmingham, Alabama, operating a full-service commercial and retail banking franchise across the Southeast. Broader incumbent competing for the same deposit and SMB customer pool in FNS Bancshares' market.

TypeDirect peer
Description

Kentucky-based community bank holding company with a comparable community/commercial banking model serving small markets across a contiguous region. Comparable in business model and scale tier to FNS Bancshares.

TypeDirect peer
Description

Alabama-based bank holding company headquartered in Birmingham, operating a community/commercial banking model across the Southeast. Comparable to FNS Bancshares in target market (Alabama), product set (commercial and consumer lending), and community-bank positioning.

TypeBroad incumbent
Description

Regional bank with deep Southeast community banking roots, recently merged into Huntington Bancshares. Overlaps with FNS Bancshares in commercial/SMB banking and Southeast deposit market; broader incumbent with substantially greater scale.

TypeDirect peer
Description

Mississippi-based community bank holding company operating a similar commercial/community banking franchise across the Southeast. Comparable in size tier, regulatory structure (FDIC-insured state bank), and target customer mix of consumers and small businesses.

TypeDirect peer
Description

Mississippi-headquartered regional bank holding company with community-bank roots across the Southeast. Comparable in business model (community/commercial banking) and operating geography overlapping with Alabama/Tennessee markets near Scottsboro.

Market position
Strengths3 records

Each record includes

Headline, Details, Source

Weaknesses3 records

Each record includes

Headline, Details, Source

Competitive moat3 records

Each record includes

Type, Details

Key risks4 records

Each record includes

Headline, Details, Source

Key highlights4 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Ideal customer profile1 record

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Core technology
Revenue estimate
Valuation estimate
Number of profiles
No data
Compliance3 records

Each record includes

Name, Class, Description

Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds1 record

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

FNS Bancshares

Commercial Bankingaccessfnb.com

FNS Bancshares is a privately held community bank holding company founded in 1985 and headquartered in Scottsboro, United States, employing 101-250 people to deliver commercial banking and related financial services to its regional market.

What FNS Bancshares does

FNS Bancshares is a privately held bank holding company headquartered in Scottsboro, United States. Founded in 1985, the firm operates as a commercial banking institution offering financial services to its regional market; based on the firmographic profile (101-250 employees, single-city headquarters, website at accessfnb.com) it functions as a community-oriented bank, most likely the holding entity for a community bank franchise serving northern Alabama. The institution is structured as a for-profit, non-public company, consistent with a closely held community bank holding company ownership model.

Product, technology, and revenue mechanics are not documented in the provided source data. There is no enumerated product set, pricing schedule, or segment mix; the only explicit commercial signal is a ~$17.52M capital raise in July 2018 with undisclosed investors. As a bank holding company, the implicit revenue model is net interest margin on the lending book plus noninterest income (deposit fees, treasury, wealth), funded primarily by core deposits and the 2018 capital infusion — but no asset, deposit, loan, NIM, or efficiency data is available in the input to substantiate this.

Ownership, governance, management roster, subsidiary list, M&A history, and expansion footprint beyond the Scottsboro base are also not provided in the source material. A large portion of the input text pertains to Cadence Bank's transition into Huntington Bank and references certifications (FDIC-Insured, Member FDIC, Equal Housing Lender) that source exclusively to Huntington National Bank rather than FNS Bancshares; those should not be attributed to FNS. Strategic, operational, and financial conclusions in this analysis are therefore constrained to what is explicitly supported for FNS Bancshares, with gaps flagged.

FNS Bancshares firmographics

Firmographics
Name
FNS Bancshares
Website
https://accessfnb.com
Company type
Private
Founded year
1985
Headcount range
101–250 employees
Short description
FNS Bancshares is a privately held community bank holding company founded in 1985 and headquartered in Scottsboro, United States, employing 101-250 people to deliver commercial banking and related financial services to its regional market.
Ownership category
akta.pro rank

Where FNS Bancshares is headquartered

Location

Headquarters

HQ city
Scottsboro
HQ country
United States
HQ region
North America

Markets served

FNS Bancshares business model

Business model
GTM type
B2B
Offering type
Services
Cost components
Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

FNS Bancshares product offering

Product offering

Core offering

FNS Bancshares is a commercial banking company that offers financial services. Operating through its Scottsboro, Alabama-based subsidiary, the company provides community and commercial banking services including deposit products and lending to commercial clients. The company functions as a traditional bank holding company, with service delivery supported by an online banking channel and physical branch presence.

Product overview

No product or service information available in the provided source data.

Differentiator

Problem solved

Functional benefit

Products and services

  • Commercial Banking Services
  • Online Banking

Companies that use FNS Bancshares

Customer profile

Ideal customer profiles1 record

FNS Bancshares technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

FNS Bancshares partnerships and signals

Strategic signal

Recent moves1 record

Expansion highlights1 record

FNS Bancshares competitors and assessment

Company assessment

Direct peers

  • SmartFinancial: Tennessee-based community bank holding company with similar multi-branch community banking model and Southeast footprint. Comparable in scale tier and target customer mix (consumers, SMBs, professionals).
  • Community Trust Bancorp: Kentucky-based community bank holding company with a comparable community/commercial banking model serving small markets across a contiguous region. Comparable in business model and scale tier to FNS Bancshares.
  • ServisFirst Bancshares: Alabama-based bank holding company headquartered in Birmingham, operating a community/commercial banking model across the Southeast. Comparable to FNS Bancshares in target market (Alabama), product set (commercial and consumer lending), and community-bank positioning.
  • First Bancshares (the parent of First Bank, MS): Mississippi-based community bank holding company operating a similar commercial/community banking franchise across the Southeast. Comparable in size tier, regulatory structure (FDIC-insured state bank), and target customer mix of consumers and small businesses.
  • Renasant Corporation: Mississippi-headquartered regional bank holding company with community-bank roots across the Southeast. Comparable in business model (community/commercial banking) and operating geography overlapping with Alabama/Tennessee markets near Scottsboro.

Broad incumbents

  • SouthState Corporation: Large Southeast-focused regional bank holding company with a community banking style at the local level. Broader incumbent operating across many of the same Southeast markets as FNS Bancshares, with substantially greater scale.
  • Regions Financial: Large regional bank holding company headquartered in Birmingham, Alabama, operating a full-service commercial and retail banking franchise across the Southeast. Broader incumbent competing for the same deposit and SMB customer pool in FNS Bancshares' market.
  • Cadence Bank (now Huntington Bank): Regional bank with deep Southeast community banking roots, recently merged into Huntington Bancshares. Overlaps with FNS Bancshares in commercial/SMB banking and Southeast deposit market; broader incumbent with substantially greater scale.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat3 records

Key risks4 records

Key highlights4 records

Customer concentration

FNS Bancshares social profiles

Digital presence

FNS Bancshares compliance and trust

Trust signal

Compliance3 records

FNS Bancshares financial estimates

Financial estimate

Revenue estimate

Valuation estimate

FNS Bancshares leadership team

Management profile

Number of profiles

FNS Bancshares funding detail

Funding detail

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

FNS Bancshares M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FNS Bancshares

What does FNS Bancshares do?

FNS Bancshares is a commercial banking company that offers financial services. Operating through its Scottsboro, Alabama-based subsidiary, the company provides community and commercial banking services including deposit products and lending to commercial clients. The company functions as a traditional bank holding company, with service delivery supported by an online banking channel and physical branch presence.

When was FNS Bancshares founded?

FNS Bancshares was founded in 1985. It employs 101 to 250 people.

Where is FNS Bancshares based?

FNS Bancshares is headquartered in Scottsboro, United States, in the North America region.

Who are FNS Bancshares's main competitors?

Direct peers on record are SmartFinancial, Community Trust Bancorp, ServisFirst Bancshares, First Bancshares (the parent of First Bank, MS) and Renasant Corporation. Broad incumbents are SouthState Corporation, Regions Financial and Cadence Bank (now Huntington Bank).

Does FNS Bancshares have an API?

No public API is recorded for FNS Bancshares.

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Live signals
PR NewswireBancorpSouth Completes Merger with National United Bancshares, Inc. and FNS Bancshares, Inc.BancorpSouth Bank completed its previously announced mergers with National United Bancshares, Inc. and FNS Bancshares, Inc., effective May 1, 2021. This strategic move expands BancorpSouth's presence in key markets across Texas, Alabama, Georgia, and Tennessee, adding to its existing network of approximately 325 branches.PR NewswireBancorpSouth Receives Regulatory Approval of its Mergers with National United Bancshares, Inc. and FNS Bancshares, Inc.BancorpSouth Bank announced it has received regulatory approval from the FDIC to complete its proposed mergers with National United Bancshares, Inc. and FNS Bancshares, Inc., with closing anticipated on May 1, 2021. As of December 31, 2020, National United and FNS collectively reported total assets of $1.5 billion, total loans of $930 million, and total deposits of $1.4 billion. Upon completion, BancorpSouth will expand its presence with National United President and CEO Eugene Worthington serving as Area Chairman and FNS CEO Steve Rownd serving as division president.PR NewswireSHAREHOLDER ALERT: WeissLaw LLP Investigates FNS Bancshares, Inc.WeissLaw LLP announced an investigation into the proposed stock-for-stock merger of FNS Bancshares, Inc. with BancorpSouth Bank, a bank holding company with approximately 310 full-service branch locations. The transaction is valued at approximately $108.4 million, with BancorpSouth issuing 2,975,000 shares of common stock plus $18.0 million in cash for all outstanding FNS shares, equating to $90.04 per share. WeissLaw is examining whether FNS' board acted to maximize shareholder value and whether material information regarding the process and valuation will be fully disclosed to FNS shareholders.PR NewswireBancorpSouth Bank to Acquire FNS Bancshares, Inc.BancorpSouth Bank announced the signing of a definitive merger agreement to acquire FNS Bancshares, Inc., the parent company of FNB Bank, in a transaction valued at approximately $108.4 million consisting of 2,975,000 shares of BancorpSouth common stock plus $18.0 million in cash. FNS operates 17 full-service banking offices across Alabama, Georgia, and Tennessee with total assets of $786.5 million as of September 30, 2020, and the merger will mark BancorpSouth's entrance into Georgia. The transaction, unanimously approved by both boards, is expected to close in the first half of 2021 pending regulatory approval and FNS shareholder approval.PR NewswireOTC Markets Group Welcomes FNS Bancshares Inc. to OTCQXOTC Markets Group Inc. announced on August 15, 2019 that FNS Bancshares Inc. has qualified to trade on the OTCQX Best Market, with trading beginning August 6 under the symbol 'FNSB'. FNS Bancshares, the corporate parent of FNB Bank, becomes the first bank headquartered in Alabama to join OTCQX. FIG Partners, a subsidiary of Janney Montgomery Scott LLC, acted as the company's Corporate Broker for the listing.