First Bank & Trust Mortgage Rates, Fees & Info
Brookings, SDLEI: 549300IQ5NY7CSJLZW53
Tax ID: 46-0187030
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Bank Data
Review & Overview
First Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. First Bank & Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Sioux Falls, Minneapolis, Brookings, Watertown, and Faribault among others. We have data for 65 markets. (Some data included below & more in-depth data is available with an active subscription.)First Bank & Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Bank & Trust is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.80% | 11/17/24 |
| 30 Year Conventional Purchase | 6.48% | 11/17/24 |
| 30 Year Conventional Refi | 6.45% | 11/17/24 |
| 30 Year Cash-out Refi | 6.47% | 11/17/24 |
| 30 Year FHA Purchase | 7.03% | 11/17/24 |
| 30 Year VA Purchase | 5.73% | 11/17/24 |
| 30 Year VA Refi | 5.47% | 11/17/24 |
| 30 Year USDA Purchase | 6.47% | 11/17/24 |
| 15 Year Conventional Purchase | 5.89% | 11/17/24 |
| 15 Year Conventional Refi | 5.89% | 11/17/24 |
| 15 Year Cash-out Refi | 5.89% | 11/17/24 |
| 15 Year VA Purchase | 5.76% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
First Bank & Trust Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,849Origination Dollar Volume (All Markets)
$667,325,000Employee count
663Awards
First Bank & Trust - 2021
First Bank & Trust is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| SIOUX FALLS, SD (FHA|USDA|VA) | 1,032 | $232,160,000 | $224,961 | $4,858 | 2.90% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 479 | $184,115,000 | $384,374 | $4,837 | 3.10% |
| Outside of Metro Areas | 544 | $86,910,000 | $159,761 | $4,377 | 2.99% |
| Brookings, SD (FHA|USDA|VA) | 403 | $74,825,000 | $185,670 | $4,223 | 2.97% |
| Watertown, SD (FHA|USDA|VA) | 167 | $32,085,000 | $192,126 | $4,645 | 2.82% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 14 | $6,430,000 | $459,286 | $3,230 | 3.28% |
| Vermillion, SD (FHA|USDA|VA) | 39 | $6,375,000 | $163,462 | $3,640 | 3.09% |
| MANKATO, MN (FHA|USDA|VA) | 5 | $4,995,000 | $999,000 | $5,705 | 3.47% |
| Spearfish, SD (FHA|USDA|VA) | 10 | $3,590,000 | $359,000 | $5,786 | 3.10% |
| DULUTH, MN-WI (FHA|USDA|VA) | 22 | $2,670,000 | $121,364 | $4,033 | 3.75% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 10 | $2,430,000 | $243,000 | $5,003 | 2.86% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $2,210,000 | $368,333 | $5,863 | 3.10% |
| Brainerd, MN (FHA|USDA|VA) | 9 | $1,985,000 | $220,556 | $3,951 | 2.79% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $1,575,000 | $1,575,000 | $0 | 3.35% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $6,525 | 3.05% |
| Alexandria, MN (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $5,732 | 3.35% |
| Marshall, MN (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $5,277 | 2.61% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $8,110 | 2.88% |
| Aberdeen, SD (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $5,656 | 2.91% |
| ST. CLOUD, MN (FHA|USDA|VA) | 8 | $1,160,000 | $145,000 | $4,085 | 3.26% |
| Grand Rapids, MN (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $5,635 | 3.12% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $8,696 | 2.94% |
| ROCHESTER, MN (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $4,217 | 2.92% |
| Fergus Falls, MN (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $5,852 | 3.07% |
| Pierre, SD (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $4,223 | 2.72% |
| Huron, SD (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $5,286 | 2.75% |
| Spirit Lake, IA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,178 | 2.84% |
| Yankton, SD (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $4,107 | 3.00% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,118 | 2.56% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $10,506 | 2.38% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $7,261 | 2.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $8,690 | 2.38% |
| New Ulm, MN (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $3,441 | 3.04% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $6,643 | 2.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $7,837 | 2.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,910 | 2.50% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $6,875 | 2.88% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,340 | 2.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,313 | 2.88% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,553 | 2.88% |
| Norfolk, NE (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,617 | 2.75% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $15,491 | 2.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,535 | 2.63% |
| Willmar, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,218 | 2.50% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 3.95% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,746 | 2.25% |
| Red Wing, MN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,346 | 3.43% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 4.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,292 | 2.99% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,292 | 2.00% |
| RAPID CITY, SD (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,757 | 3.69% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,766 | 2.75% |
| ERIE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,507 | 2.75% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,923 | 2.88% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.13% |
| Mitchell, SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,258 | 2.25% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,044 | 2.25% |
| Austin, MN (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $3,216 | 3.31% |
| Albert Lea, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 1.99% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.90% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,866 | 2.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,570 | 2.49% |
| Winona, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.75% |
| Worthington, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,620 | 3.00% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.75% |
Similar Lenders
We use machine learning to identify the top lenders compared against First Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2021, First Bank & Trust's most frequently originated type of loan was Conventional, with 2,087 originations. Their 2nd most popular type was HELOC, with 551 originations.
Loan Reason
For 2021, First Bank & Trust's most frequently cited loan purpose was Home Purchase, with 1,176 originations. The 2nd most popular reason was Refi, with 767 originations.
Loan Duration/Length
For 2021, First Bank & Trust's most frequently cited loan duration was 30 Year, with 1,396 originations. The 2nd most popular length was 5 Year, with 586 originations.
Origination Fees/Closing Costs
First Bank & Trust's average total fees were $5,069, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 637 originations.
Interest Rates
During 2021, First Bank & Trust's average interest rate for loans was 2.83%, while their most frequently originated rate bucket for loans was 2.5-3%, with 985 originations.
Loan Sizing
2021 saw First Bank & Trust place emphasis on $200k-400k loans with 1,023 originations, totaling $276,055,000 in origination value.
Applicant Income
First Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 632 originations. The second most popular income band? $50k-75k, with 542 originations.
Applicant Debt to Income Ratio
First Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 753 originations. The next most common DTI ratio? 30-36%, with 513 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.06%
First Bank & Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination81.85%
First Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 1 | $15,000 | $15,000 |
| NA | 2,848 | $667,310,000 | $234,308 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST HORIZON BANK | Conventional home mortgage | Struggling to pay mortgage | 1 | 2.9% |
| FIRST HORIZON BANK | Conventional home mortgage | Closing on a mortgage | 2 | 5.9% |
| FIRST HORIZON BANK | Conventional home mortgage | Trouble during payment process | 10 | 29.4% |
| FIRST HORIZON BANK | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 2.9% |
| FIRST HORIZON BANK | FHA mortgage | Closing on a mortgage | 1 | 2.9% |
| FIRST HORIZON BANK | FHA mortgage | Trouble during payment process | 2 | 5.9% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 2 | 5.9% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 2.9% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Trouble during payment process | 6 | 17.6% |
| FIRST HORIZON BANK | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 5.9% |
| FIRST HORIZON BANK | Other type of mortgage | Closing on a mortgage | 2 | 5.9% |
| FIRST HORIZON BANK | Other type of mortgage | Trouble during payment process | 1 | 2.9% |
| FIRST HORIZON BANK | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 2.9% |
| FIRST HORIZON BANK | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 5.9% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| First Bank & Trust | 700 22nd Avenue South Brookings, SD 57006 | Full Service Retail | $25,921 |
| First Bank & Trust | 101 Second Street, N.W. Pipestone, MN 56164 | Full Service B&M | $250,057 |
| First Bank & Trust | 110 North Minnesota Avenue Sioux Falls, SD 57104 | Full Service B&M | $523,840 |
| First Bank & Trust | 1101 First Street Se New Prague, MN 56071 | Full Service B&M | $132,994 |
| First Bank & Trust | 1120 9th Avenue Se Watertown, SD 57201 | Full Service B&M | $38,786 |
| First Bank & Trust | 120 North Egan Avenue Madison, SD 57042 | Full Service B&M | $212,155 |
| First Bank & Trust | 1909 Highway 36 West Roseville, MN 55113 | Full Service B&M | $65,355 |
| First Bank & Trust | 20 East Main St Vermillion, SD 57069 | Full Service B&M | $71,771 |
| First Bank & Trust | 209 South Rum River Drive Princeton, MN 55371 | Full Service B&M | $44,198 |
| First Bank & Trust | 21420 Aberdeen Street Cedar, MN 55011 | Full Service B&M | $40,201 |
| First Bank & Trust | 215 West Fourth Avenue Milbank, SD 57252 | Full Service B&M | $142,218 |
| First Bank & Trust | 2220 Sixth Street Brookings, SD 57006 | Full Service B&M | $70,106 |
| First Bank & Trust | 2233 6th Street Brookings, SD 57006 | Full Service Retail | $12,339 |
| First Bank & Trust | 2300 West 57th Street Sioux Falls, SD 57108 | Full Service B&M | $116,541 |
| First Bank & Trust | 234 First Avenue East Cambridge, MN 55008 | Full Service B&M | $144,885 |
| First Bank & Trust | 301 West Main Street White, SD 57276 | Full Service B&M | $33,990 |
| First Bank & Trust | 3316 West 66th Street, Suite 100 Edina, MN 55435 | Full Service B&M | $67,152 |
| First Bank & Trust | 402 East Fifth Street Canton, SD 57013 | Full Service B&M | $91,086 |
| First Bank & Trust | 445 Main Ave. Toronto, SD 57268 | Full Service B&M | $48,286 |
| First Bank & Trust | 500 South Highline Avenue Sioux Falls, SD 57110 | Full Service B&M | $24,370 |
| First Bank & Trust | 520 6th St Brookings, SD 57006 | Full Service B&M | $1,162,024 |
| First Bank & Trust | 644 N. Main Ave Garretson, SD 57030 | Full Service B&M | $56,072 |
For 2021, First Bank & Trust had 22 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $150,465 |
| Net interest income | $142,356 |
| Total noninterest income | $38,474 |
| Gross Fiduciary activities income | $8,904 |
| Service charges on deposit accounts | $3,526 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $26,044 |
| Pre-tax net operating income | $75,156 |
| Securities gains (or losses, -) | $16 |
| Income before extraordinary items | $56,719 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $56,719 |
| Minority interest net income | $0 |
| Net income | $56,719 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $56,706 |
First Bank & Trust's gross interest income from loans was $150,465,000.
First Bank & Trust's net interest income from loans was $142,356,000.
First Bank & Trust's fee based income from loans was $3,526,000.
First Bank & Trust's net income from loans was $56,719,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $8,109 |
| Provision for credit losses | $2,700 |
| Total noninterest expense | $102,974 |
| Salaries and employee benefits | $70,307 |
| Premises and equipment expense | $7,116 |
| Additional noninterest expense | $25,551 |
| Applicable income taxes | $18,453 |
| Net charge-offs | $919 |
| Cash dividends | $25,800 |
First Bank & Trust's interest expense for loans was $8,109,000.
First Bank & Trust's payroll and benefits expense were $70,307,000.
First Bank & Trust's property, plant and equipment expenses $7,116,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.1% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $3,595,859 |
| Deposits held in domestic offices | $3,595,859 |
| Deposits by Individuals, partnerships, and corporations | $3,262,220 |
| Deposits by U.S. Government | $4 |
| Deposits by States and political subdivisions in the U.S. | $302,781 |
| Deposits by Commercial banks and other depository institutions in U.S. | $30,854 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $2,036,785 |
| Demand deposits | $1,104,138 |
| Nontransaction accounts | $1,559,074 |
| Money market deposit accounts (MMDAs) | $830,284 |
| Other savings deposits (excluding MMDAs) | $263,545 |
| Total time deposits | $465,245 |
| Total time and savings deposits | $2,491,721 |
| Noninterest-bearing deposits | $888,454 |
| Interest-bearing deposits | $2,707,405 |
| Retail deposits | $3,461,771 |
| IRAs and Keogh plan accounts | $47,900 |
| Brokered deposits | $40,030 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $4,059,403 |
| Cash & Balances due from depository institutions | $107,647 |
| Interest-bearing balances | $74,613 |
| Total securities | $901,646 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $2,835,509 |
| Loan and leases loss allowance | $37,129 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $32,117 |
| Other real estate owned | $11,267 |
| Goodwill and other intangibles | $63,522 |
| All other assets | $107,695 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $4,059,403 |
| Total Liabilities | $3,648,484 |
| Total deposits | $3,595,859 |
| Interest-bearing deposits | $2,707,405 |
| Deposits held in domestic offices | $3,595,859 |
| % insured (estimated) | $68 |
| Federal funds purchased and repurchase agreements | $1,414 |
| Trading liabilities | $0 |
| Other borrowed funds | $103 |
| Subordinated debt | $0 |
| All other liabilities | $51,108 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $2,835,509 |
| Loan and leases loss allowance | $37,129 |
| Total loans and leases (domestic) | $2,872,638 |
| All real estate loans | $1,831,057 |
| Real estate loans in domestic offices | $1,831,057 |
| Construction and development loans | $248,093 |
| Residential 1-4 family construction | $40,520 |
| Other construction, all land development and other land | $207,573 |
| Loans secured by nonfarm nonresidential properties | $792,855 |
| Nonfarm nonresidential secured by owner-occupied properties | $315,028 |
| Commercial real estate & other non-farm, non-residential | $477,827 |
| Multifamily residential real estate | $224,278 |
| 1-4 family residential loans | $333,226 |
| Farmland loans | $232,605 |
| Loans held in foreign offices | $0 |
| Farm loans | $177,874 |
| Commercial and industrial loans | $657,902 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $74,633 |
| Credit card loans | $41,019 |
| Related Plans | $2,009 |
| Consumer Auto Loans | $17,966 |
| Other loans to individuals | $13,639 |
| All other loans & leases | $131,172 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $80,722 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $8,568 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $19,406 |
| Non 1-4 family restructured loans & leases | $19,377 |
| Total loans and leases (foreign) | $0 |
First Bank & Trust had $2,835,509,000 of loans outstanding in 2021. $1,831,057,000 of loans were in real estate loans. $248,093,000 of loans were in development loans. $224,278,000 of loans were in multifamily mortgage loans. $333,226,000 of loans were in 1-4 family mortgage loans. $177,874,000 of loans were in farm loans. $41,019,000 of loans were in credit card loans. $17,966,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 525 | $126,044 | $240,084 |
| Nonfarm, nonresidential loans - <$100k | 126 | $5,021 | $39,849 |
| Nonfarm, nonresidential loans - $100-250k | 150 | $18,427 | $122,847 |
| Nonfarm, nonresidential loans - $250k-1MM | 249 | $102,596 | $412,032 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,503 | $129,181 | $85,949 |
| Commercial & Industrial, US addressed loans - <$100k | 879 | $22,609 | $25,721 |
| Commercial & Industrial, US addressed loans - $100-250k | 328 | $31,248 | $95,268 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 296 | $75,324 | $254,473 |
| Farmland loans - <$1MM | 369 | $57,859 | $156,799 |
| Farmland loans - <$100k | 81 | $3,305 | $40,802 |
| Farmland loans - $100-250k | 166 | $20,039 | $120,717 |
| Farmland loans - $250k-1MM | 122 | $34,515 | $282,910 |
| Agriculture operations loans - <$1MM | 654 | $45,700 | $69,878 |
| Agriculture operations loans - <$100k | 357 | $6,678 | $18,706 |
| Agriculture operations loans - $100-250k | 173 | $12,930 | $74,740 |
| Agriculture operations loans - $250k-1MM | 124 | $26,092 | $210,419 |