FNB’s COVID-19 Hardship Relief Assistance Programs

March 30, 2020 – The coronavirus (COVID-19) pandemic is a constantly changing situation across the globe. We have never faced anything like this in modern times. Our lives have changed drastically over the last few weeks as we work to minimize the impact of the pandemic. We assure you, as your community bank, we are here for you. Our primary concern is for the health and safety of our employees, customers, and communities.

First National Bank, and First Bancshares, Inc., the holding company of First National Bank,

are financially strong and well-positioned to support you. For 145 years, we have navigated many economic cycles without a disruption in providing clients with access to their funds and I have complete confidence this will continue.

As we continue to face unknown challenges, First National Bank remains committed to work to provide the resources and quality customer service you rely upon.  I personally thank you for trusting your banking services with us through this crisis.

If you’ve been financially impacted by COVID-19 and need help, we have customized solutions available.

We also are providing resources to help you protect yourselves from scammers and cybercriminals who may try to take advantage of you during the crisis.

First National Bank is here to serve you. Please contact 419-483-7340 if you have any questions. Thank you for making First National Bank “Your Bank of a Lifetime”.


Dean J. Miller

President / CEO



COVID-19 Hardship Relief Assistance Programs

First National Bank is enacting hardship relief assistance for clients experiencing financial difficulty as a result of COVID-19. We are not assessing late charges on all loans and credit cards until further notice.

Additional programs include the consideration of fee and penalty waivers, loan deferrals or other scenarios that may help our customers. To learn more about these programs, please contact your local banker.

Mortgage and home equity loans are available to be deferred for the next 90 days

90-day, interest-only payments are available on a case by case basis, if preferred

Vehicle payments and all other consumer term loans are available to be deferred for next 90 days

Repossession actions on vehicles are suspended for the next 90 days

Foreclosure activity on homes is suspended for the next 90 days

No penalty on early withdrawals on Certificates of Deposit

Contact Your Local Branch:

Bellevue: 419-734-7340

Catawba: 419-797-7340

Clyde: 419-547-0259

Fremont: 419-333-7340

Port Clinton: 419-734-7340

Put-In-Bay: 419-285-7340

Sandusky: 419-621-7340