Created for Alabama Community Bankers by Alabama Community Bankers First National Bankers Bank, Alabama, is the first banker�s bank to be chartered in the State of Alabama. Its existence has evolved from the vision of Alabama community bankers who believe that the time has come for the state to have its own homegrown banker�s bank. As a result of those bankers� commitment and efforts, that vision has become a reality. Our staff of banking professionals, comprised exclusively of seasoned Alabama bankers, stands ready to fulfill your needs as your correspondent bank partner of choice. As resident bankers from Alabama, we understand the dynamics of your specific community banking market and are poised to assist in your fruition. What is a Banker�s Bank? By definition, a banker�s bank is a bank insured by the Federal Deposit Insurance Corporation, or a holding company which owns or controls such an insured bank, when the stock of such bank or holding company is owned exclusively by other banks and such bank or holding company and all subsidiaries thereof are engaged exclusively in providing services for other financial institutions and their officers, directors, and employees. Simply put, �banker�s banks� are specially chartered banks that provide correspondent banking products and services to community banks. Their unique charters prohibit them from dealing with the general public and as such they never can become a competitor to the banks that they serve. Banker�s banks operate much like cooperatives with their existence being tied to the strength and participation of their community bank membership. First National Bankers Bankshares, Inc., the parent company of FNBB, Alabama, is the first banker's bank financial services corporation in the nation to develop the concept of separate banker�s bank charters in multiple states under one holding company. Currently, there are three banking subsidiaries of FNBB, Inc. First National Bankers Bank, Alabama which was founded in 2004, First National Bankers Bank in Baton Rouge, LA which was founded in 1984, and Mississippi National Banker�s Bank in Ridgeland, Mississippi which was founded in 2000. The fourth holding company subsidiary, FNBB Services Corp, was founded in 2000 and performs outsourced internal and compliance audits for community banks in each of our banker�s banks� respective markets. The subsidiaries of the FNBB, Inc. family were created to serve the community banks of their respective states and their surrounding regions. Each banker�s bank�s Board of Directors is comprised of community bank Presidents or CEOs from its shareholder base. Director positions are rotated on a periodic basis and appointments are made which ensure fair geographical representation. Being a stockholder or �member� is not a requirement for banks to use FNBB, Alabama�s services, but it is strongly encouraged. There are tangible advantages to being a shareholder such as annual dividends, special discounted pricing on services, and preferred access to our growing loan participation network. The greatest advantage of being a shareholder is actually one that is intangible. It lies in our perpetual commitment to always be there for our shareholders as their chosen correspondent bank partner. As you view our website, please keep in mind that ABB was truly created by Alabama community bankers for Alabama community bankers. As such, your needs are always at the forefront of our efforts.

Member FDIC