FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Our vision is successful communities in all the places we call home. To achieve this vision, every individual must have access to the tools, resources and opportunities to reach their goals and improve their financial well-being.
Our Impact by FNBO strategy is thoughtfully designed to align with our business as a bank, focusing on strategic areas where we can make the most significant impact in our communities. Through this commitment, we set clear and measurable goals to drive positive change, both now and for future generations.
Affordable Housing
FNBO prioritizes affordable housing to help create a stable foundation for individuals and families, offering them the ability to grow and thrive. Affordable housing contributes to stable communities, reduces homelessness and builds generational wealth.
Workforce Development
FNBO prioritizes workforce development programs to promote economic growth. By investing in initiatives that equip individuals with skills and training for better job opportunities, we foster increased financial stability and a stronger local economy.
Financial Literacy
FNBO prioritizes financial literacy to help bridge economic disparities and promote financial inclusion. Through supporting financial literacy programs, the bank supports the empowerment of individuals, the promotion of economic equality and the reduction of poverty in order to strengthen our communities and enhance well-being for all.
Career Education
We are on a mission to support our communities through career preparation and financial education for the next generation. We partner with elementary, middle, high schools and youth organizations within our footprint to offer kids exposure to careers beyond high school and financial wellness education.
Additionally, we believe showing up for our communities in the ways that matter most means supporting other areas of focus, including Environmental Sustainability, Access to Arts and Culture, Community Health and Well-being and Representation and Social Mobilization.
2027 Goals and Progress
Commitment to Community Impact Plan
As FNBO completed the third year of our five-year Commitment to Community Impact Plan, we continued to work diligently to meet our goals. These graphics illustrate our progress in the first three years of implementation.
We envision a future where all our communities are strong and successful. To achieve this, every person must have access to the tools, resources and opportunities to improve their financial well-being.
--------- 60% illustrates anticipated progress at the completion of year two of the five-year plan
Community Development Investments
$200 million in Community Development Investments (CDI) with community organizations working with low-to-moderate income individuals, families and/or in low-to-moderate income neighborhoods or majority-minority neighborhoods to increase access to affordable housing, build businesses and/or create jobs.
Small Business Loans
$4.5 billion in small business loans, including loans for low-to-moderate income entrepreneurs and/or business owners in majority-minority neighborhoods to help their businesses start, grow and thrive.
Community Development Loans
$1.3 billion in community development loans for multi-family affordable housing or commercial properties benefiting low-to-moderate income individuals, revitalize or stabilize communities, build businesses and/or create jobs in majority-minority neighborhoods.
Philanthropy
$35 million in Community Sponsorships, Capital Donations and Impact Grants. We primarily focus on organizations working to increase access to affordable housing, help entrepreneurs build businesses and create jobs and support individuals as they work to obtain or improve employment.
Service
125,000 FNBO employee service hours include volunteer activities such as financial education, service on a nonprofit board of directors and time dedicated to community organizations and events.
