Creating lasting impact through connection and a shared purpose.

As we celebrate FNBO’s nearly 170 years of service to our communities, we are both humbled and energized by the opportunity to grow. The bank has endured, guided by our unchanging values and principles, serving as a testament to six generations of family and employees who have stayed the course. Last year marked an exciting time in our history with the acquisition of Country Club Bank, welcoming exceptional new colleagues to our organization and expanding our Midwest footprint. We are deepening our commitment to fostering thriving communities, one relationship, one investment, and one partnership at a time. Through intentional growth and strengthening connections, we continue to make a meaningful difference while staying true to our core values and embracing the evolving needs of those we serve.

In 2025, we witnessed the remarkable strength that emerges when we come together with shared purpose. We’ve gotten more focused around where and how we can make the most impact, and how to measure it, and the results speak for themselves. The positive impact the bank has on our communities is increasing at a pace we didn’t think was possible. We are particularly proud of the deep relationships we’ve cultivated with local nonprofits, small businesses, and organizations working tirelessly to create positive change.

As we welcome our new colleagues in Kansas City, we’re inspired by their commitment to community support and excited to amplify that support together. It is through connections and partnerships, built one at a time, that we do our best work and create the most lasting impact.

Looking ahead, we remain committed to expanding our reach and deepening our roots across all the communities we serve. We will keep evolving, always keeping our values of integrity, passion, and respect at the heart of everything we do. As we reflect on our journey, we are filled with gratitude for the opportunity to serve and excitement for the growth ahead.

Thank you to our employees, customers, and partners for coming together as one to champion this important work. Together, we are making a lasting difference, and we are deeply grateful for your trust and support in FNBO.

Sincerely,

Clark Lauritzen
Chairman and President