FNB Bank

What FNB Bank does

FNB Bank, Inc. is an FDIC-insured, privately-held community bank founded in 1875 in Mayfield, Kentucky, and one of Kentucky's seven oldest banks. It operates ten physical branches across five Western Kentucky counties (Graves, McCracken, Calloway, Trigg, and Marshall) and manages total assets exceeding $740 million as of 2025, with a workforce of 101-250 employees. The bank holds three consecutive "Outstanding" Community Reinvestment Act ratings from the FDIC (2017, 2020, 2023) and has been recognized as a Best Places to Work in Kentucky five times (2021-2024, 2026).

The bank's core product suite spans consumer and business banking: personal checking and savings, CDs and IRAs, home mortgages, personal and indirect lending; and business checking, business/agricultural loans, treasury management, merchant services, and an integrated Autobooks invoicing tool. Digital channels are delivered through a mobile app for iPhone, iPad, and Android, an online banking platform, digital wallets (Apple Pay, Google Pay), remote deposit capture, bill pay, and YourCredit™ credit monitoring powered by Array. Sub-brands include Best Start Student Checking (ages 14-24), Spirit Debit Cards (school-affinity donations), Your Swipe rewards, and Greenlight for youth banking. The underlying technology is a standard community-bank core platform (IFS banking) extended by third-party integrations rather than proprietary AI/ML.

FNB's business model is traditional community banking: net interest income from loans (consumer, mortgage, agricultural, commercial) and deposit balances, supplemented by non-interest income from account fees, ATM fees, wire transfers, card services, merchant services, and treasury management. Go-to-market is direct-to-consumer through the branch network and digital channels, with community sponsorship (Paducah Main Street, school programs, Friday After Five), local events, and a Money Matters content engine driving acquisition and retention. Pricing is structured in tiers — for example, High Yield Money Market APYs of 1.50%-3.75% across balance bands, CD specials with 7-, 13-, and 22-month terms at 3.50% APY, and Best Start Student Checking with no monthly fee — targeting both rate-sensitive savers and entry-level youth customers.

Name

FNB Bank

Legal name

FNB Bank, Inc.

Website

https://growwithfnb.com

Company type

Private

Founded year

1875

Operating status

Operating

Headcount range

101–250 employees

Short description

FNB Bank is a privately-held FDIC-insured community bank founded in 1875 in Mayfield, Kentucky, operating 10 branches across five Western Kentucky counties with $740M+ in assets, serving consumers, students, small businesses, and agricultural borrowers through traditional and digital banking channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Mayfield

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including personal loans, home mortgages, business loans, agricultural loans, and indirect lending. Interest income from checking and savings account balances.
2. Non-Interest Income: Fee-based income from account maintenance, ATM fees, wire transfers, overdraft fees, card services, merchant services, and treasury management services.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

FNB Bank is an independent community bank that provides personal and business banking products including checking, savings, CDs, IRAs, mortgages, and consumer/commercial/agricultural loans, delivered through 10 physical branches in Western Kentucky and a digital banking platform. The bank earns interest income on loans and deposit balances, supplemented by service fees on accounts, cards, treasury management, merchant services, and overdraft/wire services.

Product overview

FNB Bank operates as a single-location community bank offering a unified portfolio of retail and business banking products centered around deposit accounts, lending, and digital banking services. The core product suite includes personal checking and savings accounts, certificates of deposit, home mortgages, and personal loans for consumers; and business checking, commercial/agricultural loans, and treasury management services for businesses. Digital banking capabilities are delivered through a proprietary mobile app and online banking platform that includes integrated modules for credit monitoring (YourCredit™ powered by Array), money management, bill pay, and Autobooks for business invoicing. Specialized sub-brands include Best Start Student Checking, Spirit Debit Cards supporting local schools, Your Swipe rewards, Greenlight for youth banking, and the Good Cents Rounding Program. All products are FDIC insured and offered through ten branch locations in Western Kentucky.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Personal checking accounts for consumers with no monthly fee options, free welcome checks, mobile banking with deposit, up to five free nationwide ATM withdrawals per cycle, FNB Visa Debit Card, and Digital Wallets.
• Personal Savings Savings accounts including High Yield Money Market options with competitive rates and FDIC insurance for short-term goals and financial stability.
• Health Savings Accounts Tax-advantaged health savings accounts that allow customers to save for medical expenses with tax-deductible contributions.
• CDs & IRAs Certificates of Deposit with competitive APY rates including 7 Month, 13 Month, and 22 Month terms, plus IRA options for retirement savings.
• Home Mortgages Local mortgage lending with guidance from community-based mortgage loan officers, including an online Mortgage Center with application capabilities for home buyers.
• Personal Lending Personal loans for various needs including debt consolidation, major purchases, and unexpected expenses with competitive rates and flexible terms.
• Indirect Lending Onsite showroom lending for consumer vehicle and equipment purchases through local dealer relationships.
• Personal Credit Cards Personal credit card products and debit/travel card services for consumer cardholders.
• Spirit Debit Cards School spirit debit cards that donate a portion of purchases back to local schools, available for Mayfield Cardinal, Graves County Eagle, Trigg County Wildcat, and Marshall County Marshal schools.
• Best Start Student Checking Student checking account for ages 14-24 with no monthly fee, complimentary online and mobile banking, 5 free nationwide ATM withdrawals per month, FNB Visa Debit Card, Digital Wallets, and FNB Fraud Watch Protection.
• Greenlight Financial literacy and banking tool for children and teens, providing parents with controls and insights while teaching kids about money management.
• Business Checking Business checking accounts for organizations of all sizes, including interest-bearing options and accounts for churches and small businesses with no fees.
• Business Savings Business savings accounts for organizational reserves and cash management needs.
• Business & Ag Loans Flexible and responsive agricultural and commercial lending solutions for farms and businesses in Western Kentucky, with local lenders providing personalized service.
• Treasury Management Comprehensive business services including Online Business Banking, Remote Deposit Capture, Merchant Services, and Business Credit Cards to help businesses run more efficiently.
• Merchant Services Business payment processing services including point-of-sale solutions, card processing, and merchant account management for retail businesses.
• Investments Investment services offered through FNB providing access to securities and insurance products for customers seeking to grow wealth over time.

Quantifiable outcome

• Three consecutive 'Outstanding' CRA ratings from FDIC demonstrating commitment to community credit needs
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Paducah Main StreetcoreGTM or Marketing PartnerFNB Bank is the 2026 Presenting Sponsor of Paducah Main Street. This partnership supports downtown Paducah preservation and promotion through events like the Fridays After Five summer concert series.
• Murray State University - Arthur J. Bauernfeind College of BusinesscoreStrategic or Co-development PartnerFNB Bank established a fund for long-term support of Murray State University's College of Business, demonstrating commitment to local higher education and future workforce development.
• Local Schools (Mayfield, Graves County, Calloway County, Trigg County, Marshall County)coreStrategic or Co-development PartnerSpirit Debit Card program partners with local schools including Mayfield Cardinal, Graves County Eagle, Trigg County Wildcat, and Marshall County Marshal schools. Donations are made back to schools based on card usage.
• West Kentucky Community and Technical College (WKCTC)minorStrategic or Co-development Partner$25,000 investment to WKCTC's Healthcare Counts Campaign supporting healthcare workforce development.
• Murray ParksminorStrategic or Co-development Partner$100,000 investment to Murray Parks supporting local parks and recreation facilities.
• Murray-Calloway County Habitat for HumanityminorStrategic or Co-development Partner$13,750 grant to benefit Murray-Calloway County Habitat for Humanity family.
• First Kentucky BankminorStrategic or Co-development PartnerDREAM Together Program partnership providing incentives and low interest loans for businesses rebuilding downtown Mayfield after 2021 tornado.
• Feeding America / Local Food BanksminorStrategic or Co-development PartnerPartnership with Wendy's of Mayfield for fundraising events and ongoing support for Feeding America Backpack Program and local food banks.
• Independent Community Bankers of America (ICBA)coreStrategic or Co-development PartnerFNB participates in ICBA national campaigns for Community Banking Month, National Small Business Week, and other industry initiatives.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Town & Country Financial Corporation: Kentucky-based community banking holding company operating branch networks in similar Western Kentucky markets to FNB. Comparable in charter, scale class, and product offering.
• Independence Bank of Kentucky: Kentucky-headquartered community bank of similar scale and charter type, providing personal and business banking across multiple Kentucky counties. Closely matches FNB in charter, geographic orientation to Kentucky, and product mix including mortgages, ag lending, and treasury services.
• South Central Bank of Kentucky: Kentucky-headquartered community bank operating in similar Western/Central Kentucky markets, providing retail, commercial, mortgage, and ag lending products. Closely comparable to FNB in operating model, charter type, and customer segments.
• Planters Bank, Inc. Kentucky-based community bank offering traditional retail and small business banking products, competing with FNB for similar small-town Western and Western-Kentucky depositors and borrowers. Operates under the same regulatory framework and serves overlapping customer segments.
• First Kentucky Bank: Direct peer community bank in the same Kentucky geography; explicitly named in FNB's data as a partner on the DREAM Together post-tornado lending program. Operates a comparable branch-based community banking model serving Kentucky small businesses and consumers.
• Paducah Bank: McCracken County, Kentucky community bank headquartered in Paducah directly competing with FNB's Paducah branches for the same local deposit base and small business customers. Closest geographic peer.

Broad incumbents

• BancorpSouth (now Cadence Bank): Multi-state regional bank with significant Kentucky community banking presence. Larger incumbent offering broader product breadth but competing with FNB for the same Western Kentucky small business, ag, and retail banking segments.

Regional players

• Community Trust Bancorp, Inc. Kentucky-headquartered bank holding company with community bank subsidiaries across Kentucky and adjacent states. Larger than FNB but operates a comparable relationship-based community banking model with retail, commercial, and mortgage lending.
• Stock Yards Bancorp: Louisville-based community-focused bank with operations extending into Kentucky and southern Indiana. Provides traditional community banking services at a scale above FNB but competing for similar retail and commercial relationships in Kentucky.
• Republic Bancorp, Inc. Louisville, Kentucky-based bank holding company operating a Kentucky community banking franchise. Larger and more diversified than FNB but materially competes for the same Kentucky retail deposits and small business relationships.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks4 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC98Odwv2InBqPXQ6gWjxTzA
• Facebookfacebook.com/thinkfnb
• LinkedInlinkedin.com/company/fnb-bank
• Instagraminstagram.com/fnb_bank

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

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 FNB Bank