Founded by Community Bankers For Community Bankers In 1983, legislation was passed in Louisiana to allow statewide branching of banks. Louisiana community bankers recognized that this change in legislation would encourage the larger money center banks that had traditionally provided them with vital correspondent banking services they need to survive, to come into their markets and become direct competitors. This statewide branching legislation proved to be the catalyst that prompted this group of community bankers to pursue the creation of a specialized correspondent bank, or “banker’s bank”. A banker’s bank by definition 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 the optimum correspondent partner for community banks as they can only provide services to community banks. They are prohibited from dealing with the general public by charter and as such never can become a competitor. The concept of “banker’s banks” was realized in several states across the country during the mid to late seventies and due to this change in legislation, its time had come in Louisiana. First National Bankers Bank, originally named Louisiana Independent Bank, N.A., was the first nationally chartered banker’s bank in the country and officially opened for business on July 2, 1984. FNBB commenced operations with 28 shareholder banks as official members of our community bank owned cooperative. Those 28 banks and our founding Board of Directors prepared the way for the phenomenal growth that FNBB would experience over the next 20 years. We will be forever indebted to those bankers who had the vision and commitment to ensure that a banker’s bank became a reality in Louisiana. Today, FNBB enjoys relationships with over 300 community banks throughout the Southeast. While being a stockholder is not a requirement for banks to use FNBB’s services, the overwhelming majority of Louisiana community financial institutions are shareholders of First National Bankers Bankshares, Inc., the parent company of FNBB. FNBB’s Board of Directors is comprised exclusively of community bank CEOs from its shareholder base. Director positions are rotated on a periodic basis and appointments are made which ensure fair geographical and shareholder bank representation. Over the last five years, FNBB has expanded the market it serves to include Mississippi, Alabama, Tennessee, and east Texas.

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