FNS Bancshares

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.

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

Headquarters

HQ city

Scottsboro

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

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

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Expansion highlights1 record

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

• LinkedInlinkedin.com/company/peoples-state-bank-of-commerce

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors

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

M&A

Investments

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

Frequently asked questions about FNS Bancshares