Lending Services Assisting your institution in handling its lending needs is a prime focus at FNBB. Our staff of experienced bankers brings a deep understanding of your needs and those of your customers. As your lending partner, we ensure solid credit quality, while maintaining competitive pricing and personalized attention. Our staff is ready to assist you in satisfying your customer’s request in a timely manner. Bank Stock Financing FNBB offers stock financing options for the following: capitalization of de novo institutions, loans to individuals or holding companies, providing capital to existing organizations, purchasing control or minority stock in financial institutions, refinancing or existing debt, and ESOP and KSOP loans. Loans to Senior Officers and Directors As a special courtesy we offer loans to Senior Officers and the Board of Directors of our shareholding banks and our bank customers. Regulation O considerations make our secured lending service a valuable option. Overline Assistance and Participations FNBB can assist your bank with any legal or in-house lending limit concerns that you face with your customers. In addition to purchasing loans that we hold in our own portfolio, we have a network of community banks interested in purchasing and selling loan participations. You approve which banks can participate on every loan presented. Our goal is to make you more competitive through our timely response to every participation request. Lending Services Benefits: Always dealing with an ally and never a competitor Efficient processing of requests with quick turnaround Eliminates lending limit concerns Assured of confidentiality with participants Credit Analysis Our credit analysis service frees up your lenders’ time and eliminates the need for additional personnel. You can choose the level of analysis starting with the basic level called a Spread, building on it to create a Credit Brief, and finally a complete Credit Analysis. Each of these products provides your lenders with critical information about the financial status of your borrower. These services are priced on a contract basis or a per credit basis. Federal Funds Lines of Credit FNBB can assist you in handling your overnight liquidity needs by providing your bank with a federal funds lines of credit on a secured or unsecured basis. Line amounts are determined through our analysis of bank performance and financial condition as of the most recent call report period. We annually review our approved fed funds line amounts for each customer bank. Each line is renewed or adjusted based on an approved percentage of the bank's unencumbered capital. For more information about Lending services, please visit our Contact Us page or contact your business development representative at 800-421-6182.

Member FDIC