Letter from the Chairman/CEO


It is my pleasure to welcome you to the Farmers National Bank of Lebanon, Kentucky. Our bank was chartered in 1890 and we have been serving the needs of Lebanon and Marion County for over 130 years. As an independent community bank, our services reflect the needs of our customers.


Our bank is well capitalized with total assets over $100 million and two locations to serve our customers. Our main office is on Main Street in the heart of downtown Lebanon and our branch is located in the Wal-Mart Shopping Center on Campbellsville Highway. Both locations are open six days a week and have Automated Teller Machines (ATMs) for after-hours access to your cash 24 hours a day. In addition, with our debit card services and Online Banking our services are never far away.


We offer a broad array of products including home equity and commercial loans, free checking accounts for full-time students and senior citizens, Secure Checking Accounts, and cutting edge digital banking products like mobile deposit and P2P payments at no charge.


Farmers National Bank is always looking toward the future while being mindful of our past. Constant updating of technology allows us to explore new ways of serving our trade area. My family’s history of serving the bank now goes back four generations and it is our stated intention to remain a community bank where local people can be employed to serve local people. As our Mission Statement puts it, “The mission of Farmers National Bank is to maintain maximum stability, soundness, and strength through achieving desired profitability goals, and to seek an image of leadership, trust, and integrity with fairness to customers and employees. The bank is to use all available means to be competitive in its market and achieve a high quality of service which is available to all.”


My father, T.E. “Gene” Spragens, Jr., spent his entire working life at Farmers National Bank, serving as president from 1977 until his death in 2005. He was committed to the improvement of our community in all areas while looking towards the future. We are excited about the opportunities in front of us and will continue to offer new products and services to serve the needs of our customers.


We believe you will find Farmers National Bank a great place to conduct banking transactions and we invite you to visit our offices and discuss your banking requirements with our friendly staff.


Very sincerely yours,

George B. Spragens
CEO/Board Chairman