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Behind Your Business

Since 1864, FNB has stood behind our clients, guiding businesses of all industries and sizes through every challenge. Over that time, we've developed deep expertise in helping companies succeed by offering a full suite of services — including cash management, merchant services and flexible lending solutions. Find out why so many businesses rely on FNB for responsive service, personal guidance and powerful financial solutions.

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Taking Care of Business

Our team has been working tirelessly to help businesses during these challenging times, including navigating the Small Business Association’s (SBA) Paycheck Protection Program (PPP), providing essential relief that protected hundreds of thousands of jobs.

$2.6 Billion funded      $2 billion in loan deferrals      94% Closed      over 3700 loans

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An award winning bank for businesses

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Our Clients' Stories

View and read testimonials from our small business customers who needed a bank to stand by them, and got the help they deserved.

Making Sure the Care Continues for NCCI in Charlotte

Caring for children sounds like a simple mission for National Child Care Institute of Charlotte. But their work is so much more. FNB took the time to become invested in their success.

"We chose First National Bank (FNB) because they were very interested in the success of our business. They also provided the necessary resources we needed to meet our business objectives. Several banks presented their proposals to secure our business, but FNB provided a level of financial expertise and information that was tailored to our financial circumstances and budget. Choosing them was the best decision we have made in recent years. FNB was instrumental in offering us relief through the “PPP” program which has helped us tremendously. We cherish the relationship with FNB."

National Child Care Institute of Charlotte (NCCI)
Hiwatha Bell, Owner and Executive Director

We took the time to listen to Hiwatha and then built a plan that best fit her business needs and goals. We’d love to listen to your story today and see what we can build together.

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An Experienced Textile Company Needed an Experienced Bank

United Textile wanted a bank that knew them personally. FNB was a logical fit.

"To a small business, the PPP process was intimidating and stressful. FNB walked me thru the process - making sure I had all the information and documents together that would be needed. Because of this, my application was one of the first ones accepted. These funds helped us through the worst times we have ever seen."

“I chose FNB because of their people and their willingness to help me and my business. I like to be able to talk to someone that personally knows me. I can pick up the phone, call, and know a person will answer or call right back. I’m not just a number to them.”

United Textile Distribution
Rick Etheridge, Owner and President

Sometimes it’s a simple conversation that opens the door for a successful partnership. Experience the FNB difference today – Let’s Get Started.

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Being there to Keep GROCO Afloat

GROCO needed to reach out to a bank they didn’t know to help them during one of the most crucial times in their history. We didn’t let them down.

"GROCO is a marine hardware company in Maryland with a rich tradition and history. When the Covid-19 slowdown occurred and financial help became available for businesses through the federal PPP program, there was tremendous confusion among businesses and some lenders. Our lender was not able to explain the process or even accept our application, so we had to seek help from an alternate bank – that bank was FNB. Without hesitation, FNB stepped up and helped us through a very daunting process and we were truly grateful."

Gross Mechanical Laboratories, Inc.
Donald Gross, President

We have the privilege of meeting and working with new customers every day. We’d love to meet you – let’s get together today and plan for your success.

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Helping a House Continue to Be a Home for Others

Community Centers are one of the backbones of smaller communities. FNB understands that mission and supports local communities everywhere.

"Hosanna House is a community center that fosters education and inspires hope. Our relationship with FNB started well before COVID-19 and the same attentiveness they gave us as a customer was extended during this very difficult time as well. We would not have been able to respond so quickly and efficiently without this relationship that they have intentionally cultivated with us as a customer. We are forever grateful."

Hosanna House, Inc.
Leon E. Hayes III, Founding CEO

Hosanna House has been a customer and a friend of FNB for years. Helping them during the pandemic was “business as usual” for us. Building trust and quality relationships with businesses is what we do best and are most proud of at FNB. Let’s work together to build a relationship with your business today.

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A Teaching Moment

The work of Extended Family Programs is important to so many children and families. We were proud to be there for them when they needed us the most – because that’s what a reliable partner does

"As an education service provider, we specialize in developing children through academics, social skills and behavior. Our work is important, and people rely on us every day. The Paycheck Protection Program was much needed assistance for us, so we turned to FNB for help. We have been banking with them for over 20 years. They have always been helpful with our needs and made the process of applying for the PPP very convenient. I honestly don’t know how we would have gotten through it without them. Many thanks."

Extended Family Programs, Inc.
Mable Washington, Executive Director

Understanding how people relied on our business customers helped us focus during the PPP process. Our passion was to do whatever it took – working long hours and weekends - to help our customers continue to help others. We understood their mission and their goals. What’s your business’s mission? Let’s talk today.

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Read More Small Business Customer Testimonials

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Notices & Disclosures
  • NMLS #766529
  • SBA Lender
  • Some applications may require further consideration and additional information may be requested. Credit terms are subject to approval.
  • Normal credit standards apply. Maximum amount of credit is subject to SBA Program limitations.

1 - Insurance products are sold by First National Insurance Agency, LLC and its licensed agents. Insurance products are: 

Not FDIC Insured No Bank Guarantee May Lose Value
Not Insured by Any Federal Government Agency Not a Bank Deposit


Subject to investment risks, including loss of principal amount invested. First National Insurance Agency is a subsidiary of F.N.B. Corporation.

2 - Member FDIC

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