FARMERS NATIONAL BANK - About Us
    Serving Northern Kentucky

Message from the President

As I began my banking career, I worked at one of the largest banks in the nation. I received the best in technical and procedural training, and as opportunities presented themselves, I was able to advance through the bank fairly rapidly.

The satisfaction I received from my personal progress was tempered, however, by my frustration of being bound to a system that tended to stifle creativity. We went "by the book" on all loan decisions. We were limited by our ability to see only black or white. As a result, many good customers were told that their requests did not meet the bank's criteria.

I instinctively knew there had to be a better way. Why couldn't a bank base its decisions upon the merits of a particular situation, rather than a set of guidelines so strict that a computer could make the decision? Why can't today's banks work with a customer, the way they did 50, 40, or even 30 years ago?

It was with these ideals still firmly entrenched that I welcomed the opportunity to come to Farmers National Bank. Since 1931, FNB has provided expert customer service to all our customers. We appreciate the chance to know you, and to work with you in providing creative solutions to all your financial needs.

Unlike the big banks' narrow "black or white" guidelines, Farmers National Bank excels at working with customers in the "gray" areas. If your needs can't be met with a "by the book" solution, we throw the book out and try again. Many of our most loyal customers have stories to tell about our problem-solving abilities. But, most importantly, our customers will tell you of a staff that welcomes you to the bank, and a bank that tries to be an integral piece of the communities we serve.

We realize we will never reach perfection. But that won't stop us from trying.

Stop in and see for yourself why so many of our customers will drive right past the big banks, or the bank next door, to bank with us. And experience banking the way it USED to be - the way it OUGHT to be.

Mark Aulick
President/CEO