Corporate Responsibility - Impact Report

Working together to meet the evolving needs of our communities.

As we reflect on FNBO’s 167 years of service to our communities, we are both humbled and profoundly grateful for the opportunity to be a part of so many vibrant neighborhoods. In 2024, we remained steadfast in our commitment to fostering thriving communities across all the places we proudly call home. Through our ongoing efforts, we sought to make a meaningful difference, staying true to our core values while embracing the evolving needs of those we serve.

Over the years, FNBO has grown alongside the communities that have trusted us. From our early days, when we first opened our doors, to today, where we are an integral part of countless lives, our mission has remained clear: to help customers, employees and communities thrive.

In 2024, we saw, firsthand, the strength of community when we come together with a shared purpose. Whether it’s supporting local businesses, offering financial literacy programs or providing resources to those in need, we’ve remained focused on fostering long-term prosperity. But as we acknowledge the strides we’ve made, we know the work is never done.

The challenges facing many in our communities require more than just financial resources — they call for compassion, understanding and a willingness to listen and adapt.

We are also proud of the relationships we’ve built with local nonprofits, small businesses and other organizations working tirelessly to create positive change. It is through these collaborations that we are able to do our best work and make a lasting impact.

As we reflect on our journey, we also honor the enduring legacy of my father, Bruce Lauritzen. His leadership and unwavering commitment to the communities we serve have shaped FNBO into the institution it is today. Bruce’s values of trust, integrity and service continue to guide us as we work to make a difference in the lives of those around us.

Looking ahead, we remain committed to being a partner you can rely on. We will continue to evolve, always keeping our values of trust, integrity and community at the heart of everything we do. As we reflect on our 167-year journey, we are filled with gratitude for the opportunity to serve and are excited for the future.

Thank you to our employees, customers and partners for being a part of this important work. Together, we are making a difference, and we are grateful for your trust and support.

Sincerely,

Clark Lauritzen
Chairman and President