Commercial Products

Choosing a lender and developing a relationship is a very important goal.  Besides money, FNB can provide something almost as valuable; advice and support.  By giving you insight into opportunities within your industry, our lenders allow you to take advantage of those opportunities. We can help you choose which of our products and services are best for your situation.  Our lender wants you to be successful because they want a portfolio of strong, profitable businesses.


Business Loans

Agricultural Loans


Business Loans available at FNB

Business Lines of Credit

(secured and unsecured)

To finance the seasonal capital needed during peak business periods of our customers.

Business Term Loans

Term loans are made primarily for the financing of equipment, but there are other purposes for which term loans may be made to the businesses. Some of the more common term loan purposes include:

  • Expansion or modernization of a business

  • Purchase of a business

  • Refinancing of present debt

  • Replenishing working capital depleted by a previous business expansion

Terms are designed to fit the needs of the customer and the depreciation schedule of the assets being financed.

Paula Tingler
AVP & Loan Officer

Bob Kidwell
AVP & Loan Officer

Dawn White
AVP & Loan Officer

   Contact Paula Tingler, Bob Kidwell, or Dawn White for more information on SBA and FSA agricultural loans.

SBA Guaranteed Loan Program

Small Business Loans up to $100,000 (loan program is called LOW DOC)


The Low Documentation Loan Program is designed to streamline the loan application process.


This program is for loans up to $100,000 to small businesses having average annual sales under $5 million and total employees under 100.


FSA Agricultural Loans

Farm Ownership

Purchase of real estate, real estate improvements and refinancing debts.

Operation Loans

Purchase of livestock and equipment.

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