The last few years have been anything but typical, particularly in the field of banking, especially with recent events.

As a matter of practice, most community banks are well-run, well-capitalized, and profitable, and certainly, The First National Bank of Elmer is an excellent example of such an institution.

Our executive management team has over 132 years of experience in the field and operates as a cohesive unit in discharging the bank’s strategic plan. Elmer Bank has capital reserves well above regulatory requirements for safety and soundness. With the support of our clients and our local community, the last two years were recorded as the two most successful years in the history of our organization. The First National Bank of Elmer has been around for over 120 years. We were here yesterday, we are here today, and we will be here tomorrow to serve the financial needs of the communities we serve.

As a locally owned and locally run community bank, we know our customers, many by their first names. We live in the communities we serve and support numerous local non-profit and civic organizations.

We understand our risk profile and concentrate on our core lines of business. What we do well is gather deposits in our service area and deploy them in loans to individuals and local businesses.

These loans continue to assist local companies to expand their operations and generate jobs. Our culture and our vision focus on remaining a customer-centric organization providing an exceptional banking experience. We live by these standards as we serve our client base and remain a pillar of the neighborhoods we serve.

In closing, I would like to thank our loyal customers, our employees, our shareholders, and our stakeholders for their continued faith in our ability to serve the public and be your community bank of choice.

Please stop by one of our branches to speak to a team member…“We are here for you.”

Respectfully yours,
Brian W. Jones
The First National Bank of Elmer