FNB Bancorp, Inc. is a one-bank holding company and the parent company of The First National Bank and Trust Company of Newtown (the Bank) and FNB Realty, Inc. The Bank is an independent community bank providing retail and commercial banking services through its 12 branch offices in Central and Lower Bucks County in southeastern Pennsylvania. The Bank’s personal banking services include checking, savings, home loans, loans and lines of credit, digital banking, and credit and debit cards. The Bank’s business banking services include business checking, business savings, and business loans. The Bank’s business services include business credit card, business visa debit card, escrow manager, SEP retirement accounts and wire transfers. The Bank’s business loans include business installment loans, commercial mortgage, and commercial letters of credit. The Bank’s wealth management services include investment management, financial planning, trust services and estate administration.