Headlines 13 December 2012

National Bank and Trust names Keith Kral as senior vice president, chief loan officer

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National Bank and Trust is pleased to announce that Keith Kral has joined the Bank as Senior Vice President, Chief Loan Officer.

In his role, Mr. Kral will oversee the Bank’s Commercial and Agricultural lending operation and manage a team of lenders to develop business and ensure production and credit goals. He will be primarily based in the Main Office at 48 N. South Street, Wilmington.

Mr. Kral brings over 20 years of sales and management experience as a financial services and retail sales professional. He holds a bachelor’s degree from Miami University in Marketing and Finance.

Mr. Kral currently resides in Loveland with his family. He is active in Kids Against Hunger, Loveland Youth Football and various church activities.

About NB&T Financial and National Bank and Trust

NB&T Financial is the holding company for NB&T, which is a full service financial institution offering deposit, loan, investment and insurance products for personal and business needs. NB&T was originally founded in 1872 and has remained true to its community banking philosophy and local presence since. NB&T prides itself on delivering unparalleled customer service and guidance to customers that meets their individual life stage goals.

NB&T Financial had, as of June 30, 2012, total assets of $687 million, cash management accounts totaling $41 million, and trust assets with a market value of $194 million resulting in a total of $922 million in assets under management, and currently operates 23 full service offices in seven Ohio
counties.

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