EXHIBIT 99.1

February 2021 Targeting Cover Email

As 2021 begins to unfold and 2020 comes into focus, we wanted to highlight for you FNCB Bancorp, Inc.’s above-average dividend yield, price to tangible book, tangible common equity, allowance for loan losses, and return on assets metrics, which we believe makes our Company a strong long-term investment. Recently, our Company earned the highest score among the Pennsylvania community banks included in Boenning & Scattergood’s November 11, 2020 analysis where FNCB was noted as a “hidden gem.”

FNCB has continued to deliver a very strong performance despite 2020’s significant economic disruption to the global economy. Through December 31, 2020, our Company delivered:

● 39% increase in year-to-date net income

● 8.5% loan growth

● 28.5% increase in deposits, including 51% expansion of non-interest-bearing deposits

● Solid asset quality metrics

Our 2020 performance reflects market strength in our Northeastern Pennsylvania service area, combined with our disciplined approach to business. We have a deep understanding of the region earned from a more than 110-year service history, and a very experienced executive team that knows banking along with the financial needs of area customers.

We are very focused on unlocking the value of our approximately $1.5-billion of assets, which we believe will enable FNCB to utilize its strong balance sheet to take advantage of growth opportunities in and around Northeastern Pennsylvania. To be better positioned to respond to potential opportunities, we listed the Company’s stock on the Nasdaq Capital Market in 2018 and completed a successful capital raise of more than $21 million in 2019. FNCB shares were added to the Russell small-cap index in July 2019. We believe that these developments contributed to an average daily trading volume during 2020

of nearly 20,000 shares.

While these steps have begun to attract the attention of institutional investors, we’re convinced that an understanding of our business model and potential for value creation will interest other investors focused on the banking space.

Additional details on our recent financial performance and about FNCB Bancorp as a long-term value can be found in the attached fact sheet. A representative of our investor relations firm Lambert & Company will follow up to gauge your interest in discussing our business strategy and plans to enhance long-term shareholder value, or you can contact us directly.

Sincerely,

Gerard A. Champi                                         James M. Bone, Jr. CPA​

President and Chief Executive Officer          Executive Vice-President, Chief Financial Officer

(570) 348-4806                                              (570) 348-6419

Gerard.Champi@fncb.com                           James.Bone@fncb.com

This letter may contain forward-looking statements which are made in good faith by FNCB Bancorp, Inc., pursuant to the safe harbor provisions of the Private Securities Reform Act of 1995, and it’s possible that actual results could differ from the Company’s expectations. However, the Company is under no obligation to update or supplement the information in this letter after the date it is sent. For further information about the factors that could affect future results, please see the Company’s most recent annual and quarterly reports filed on Form 10-K and Form 10-Q with the Securities and Exchange Commission.