The title "First National Bank" does not stand for a single specific corporate entity, but rather serves as a traditional historic naming convention historically adopted by commercial banks chartered under the National Bank Act in the United States. During the 19th and 20th centuries, many newly established banks chose this prestigious title to signal stability, national chartering, and pride in being the first federally regulated institution in their local community. Today, numerous independent regional banks across the country continue to operate under this historic moniker while providing standard retail and commercial banking services.