Community Reinvestment Act
At First National Bank, we understand and support the credit needs of businesses, non-profits, and individuals in the vital communities we serve. Our ongoing commitment is to champion the needs of local businesses, institutions, and individuals – including those in low- and moderate-income areas- by helping them to successfully grow and prosper.
Under the Federal Community Reinvestment Act (CRA), the Office of the Comptroller of Currency (OCC) evaluates our record of helping meet the credit needs of the communities to ensure consistency with safe and sound operations.
For FNB, it is essential to be involved. We take a multifaceted and multi-channel approach to reach our communities and provide:
Small Business Lending and Support
- Our knowledgeable lenders are available to help small business owners through the application process.
- Employees can volunteer to offer financial advice to small businesses, particularly those in LMI areas. By sharing their unique job knowledge and financial expertise in areas such as financial planning, lending, marketing, and operations, volunteers can help these businesses grow and thrive.
- Our Business Development Officers are available to small business owners to help assess their needs and offer counseling and information on bank products that help serve their business needs.
Volunteerism in the Community
- FNB promotes and supports team members to volunteer their time serving our communities. We offer VTO (Volunteer Time Off) for employees to enhance the volunteer efforts in our markets. The policy allows employees to take time off during the workday to serve CRA qualifying programs.
- Food Banks
- Meals on Wheels
- Habitat for Humanity
- Leading in-person financial literature and scam awareness programs
Board Service
- Employees can serve on the board for local non-profits and receive CRA service hour credits for the service. The non-profit must be related to affordable housing, community service, economic development, revitalization or stabilization in a LMI community.
Fundraising Events
- Nonprofits are important partners for banks because they understand the local community needs. Employees can propose to their market president fundraising events in their local community that benefit LMI communities.
Donations and Sponsorships
- FNB donates tens of thousands of dollars annually to local charities and sponsors programming for non-profit organizations like Big Brothers, Big Sisters, senior centers, and food pantries.
Food and Clothing Drives
- FNB sponsors food drives and clothing drives several times a year for local food banks in our communities.
FNB Grill Teams
- Our Wichita Falls and Wise County markets have mobile grills they take to community events and non-profit organizations to help feed people in our communities.
Financial Literacy
First National Bank strives to provide resources to help educate our customers and consumers on effectively building and using various financial skills to help reach their financial goals. These skills include understanding banking accounts, managing finances, budgeting, and more.
Financial Literacy Resources
- FNB partnered with Banzai to provide free access to a library of resources through our website fnbtx.com. The resources include First National Bank’s wellness center library of articles, calculators, and coaches. Wellness Center [Financial Literacy Resources] | Banzai
Financial Literacy Programs
- FNB partners with Banzai to provide financial literacy courses in ten high schools and junior high schools. To learn more about Banzai visit: Online financial literacy by First National Bank : Banzai
- FNB partners with Junior Achievements to present various financial literacy programs. “JA in a Day” is an all-day service opportunity that team members have served with over the past year.
- FNB hosts in-person seminars to promote scam awareness at senior centers and in our bank branches. We also host in-person seminars for all ages in schools and after school care centers.
If you are interested in First National Bank hosting an in-person seminar at your school or organization, please complete the form below.
In-Person Financial Literacy Seminar Request
FNB offers in-person seminars for all ages. Please let us know if your organization is interested in hosting a seminar.