Hey Boony, if you are FNBO marketing credit solicited, they are able to process it even thought it is outside their banking service area footprint. Over time, I have had three cards from FNBO going back to 2011 all by the same method you just received. Their customer service is out of Omaha NE or Yankton SD. They have many banks that they provide credit cards for and department type stores. If you find the card of use give it a consideration. For myself, they have been fair and treated me well.
Boony ... back in 2016 FNBO had problems related to credit insurance that got the CFPB to order them to pay customers for their handling of the credit insurance. Since then, they seem to be tighter with how they do business. It is a large privately owned family bank so they need to keep a great market place reputation.