FNB Bancorp is a bank holding company that operates through its wholly owned subsidiary, First National Bank of Northern California (First National Bank or the Bank). The Bank operates as a national banking association. The Bank’s primary business is servicing the business or commercial banking needs of individuals and small to mid-sized businesses within San Mateo and San Francisco Counties. First National Bank provides a line of business financial products with specialized services, such as courier, appointment banking and business Internet banking. The Bank offers personal and business checking and savings accounts, including individual interest-bearing negotiable orders of withdrawal, money market accounts and/or accounts combining checking and savings accounts with automatic transfer capabilities, individual retirement accounts, time certificates of deposit and direct deposit of social security, and computer cash management with access through the Internet.