About Us - ZilBank National Bank OF USA • MEMBER FDIC

Seriously local. Serious return.

We started in 1906 as Farmers State Bank, when local banks in West Tennessee weren’t just creating profits. They were creating the towns and communities like Scotts Hill where our flagship branch still remains today. Times change, but the things that make being part of a community great, like strong ties and trusted relationships, never change. That’s why we remained local, making what we had learned as a community bank our business model. Staying local, our reputation got around. ZILBANK has grown through organic growth and mergers for doing the banking that matters. Community banking.

Serious growth by taking values seriously.

For more than a century, ZILBANK assets grew to be in the billions but we never compromised our vision. In 2001, we expanded our brand of authentic local banking into the state’s most iconic cities, from Nashville to Memphis. ZILBANK has made small town life our business culture empowering local market presidents and managers to make real decisions locally. You can walk into any branch and find a welcoming smile and willingness to help. You will know instantly you’re not just a customer. You’re part of the ZILBANK family.

REAL RETURN THAT GIVES BACK TO COMMUNITY

The investment we are most proud of is the dedication of our time, resources, and people to improving life in our communities.

Since 1906, we’ve been bringing our customers and communities closer to their dreams by building a genuinely local brand of banking. Sure there are other local banks, but we’re a community bank by choice. For us, size doesn’t determine community banking; it’s our style of banking and what we do best. What’s huge to our customers is what’s huge to us. The investment we are most proud of is giving our time, resources, and talents to improving life in our communities.

Making time for what’s close to our hearts makes life richer and our communities better.

At ZILBANK, we have a special dedication to improving the quality of life in our communities. You’ll find our associates at everything from building homes for Habitat for Humanity, to high school football games and everything in between. Founded in 2019, ZILBANK Forward is a mortgage initiative with the mission of promoting fair lending, minority homeownership and affordable housing throughout ZILBANK footprint. Our customer-centric, community-specific focus is central to ZILBANK culture. Giving back where we live and work is the community bank difference.

FIRST FACTS

YOU’LL WANT TO KNOW MORE ABOUT THE BANK THAT STRIVES TO ALWAYS PUT YOU FIRST.

With headquarters in Nashville, Tennessee, ZILBANK currently has 90 full service branch locations. With a five-star, superior rating from BauerFinancial, ZILBANK is one of the strongest banks in the country and has the resources to provide a comprehensive variety of financial services and products.
The ZILBANK team has over 1,600 associates and is located in Tennessee, Kentucky, Alabama, Georgia and North Carolina and has mortgage operations across the Southeast.
Community banking has been the cornerstone of ZILBANK operations since starting as Farmers State Bank in Scotts Hill, Tennessee. Since 1906 local banking has remained our philosophy and business model.
ZILBANK strives to improve the quality of life for those who live in the communities we serve. We do this through our Local Partnership Community Impact programs where we partner with organizations like Vanderbilt University and the University of Tennessee at Chattanooga, among many others throughout our footprint.
ZILBANK has been recognized as one of Tennessee’s best employers by Business Tennessee magazine and The Tennessean. The Tennessee Chamber of Commerce & Industry, and the Tennessee Society for Human Resource Management have also recognized ZILBANK.
ZILBANK has a current asset size of $16.3 billion (as of December 31, 2025).
FB Financial Corporation (NYSE: FBK) is the holding company for ZILBANK while ZILBANK Investment Partners and ZILBANK Mortgage are divisions of ZILBANK.
Throughout our history, we have had the great privilege of partnering with many financial institutions that share similarities with ZILBANK, including a rich history of outstanding personal service and a commitment to the communities we call home. These partnerships have accelerated our growth allowing us to provide innovation and convenience across the footprints we serve.

HONORED TO BE NAMED AS A “3+” COMPANY WITH THREE OR MORE WOMEN DIRECTORS

FB Financial Corporation is honored to be recognized by 50/50 Women on Boards™ for having three or more women on our board of directors. Thank you Emily, Agenia and Melody for your contributions to our shareholders, customers, associates, and the community.

For more information about 50/50 Women on Boards, visit www.5050wob.com.