First Bank & Trust Mortgage Rates, Fees & Info

Lubbock, TX

LEI: 549300JS5JD63G4G8809

Tax ID: 75-0264392

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • 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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Lubbock, Dallas, Midland, Wichita Falls, and San Angelo among others. We have data for 71 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.84% 4/18/24
    30 Year Conventional Refi 6.65% 4/18/24
    30 Year Cash-out Refi 6.84% 4/18/24
    30 Year FHA Purchase 7.69% 4/18/24
    30 Year FHA Refi 7.36% 4/18/24
    30 Year VA Purchase 6.46% 4/18/24
    30 Year VA Refi 6.15% 4/18/24
    30 Year USDA Purchase 7.18% 4/18/24
    15 Year Conventional Purchase 6.39% 4/18/24
    15 Year Conventional Refi 6.10% 4/18/24
    15 Year Cash-out Refi 6.10% 4/18/24
    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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from First Bank & Trust. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,542

    Origination Dollar Volume (All Markets)

    $603,600,000

    Employee count

    313 Show all (7) awards

    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
    LUBBOCK, TX (FHA|USDA|VA) 1,236 $268,030,000 $216,853 $4,960 3.43%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 426 $112,450,000 $263,967 $5,265 3.28%
    MIDLAND, TX (FHA|USDA|VA) 159 $45,115,000 $283,742 $6,961 3.23%
    WICHITA FALLS, TX (FHA|USDA|VA) 205 $31,155,000 $151,976 $4,662 3.20%
    Outside of Metro Areas 121 $26,795,000 $221,446 $4,850 3.42%
    SAN ANGELO, TX (FHA|USDA|VA) 7 $23,765,000 $3,395,000 $4,478 3.46%
    Levelland, TX (FHA|USDA|VA) 52 $9,250,000 $177,885 $4,916 3.46%
    SANTA FE, NM (FHA|USDA|VA) 19 $6,565,000 $345,526 $4,131 2.89%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 16 $5,260,000 $328,750 $4,016 3.31%
    Edwards, CO (FHA|USDA|VA) 9 $5,145,000 $571,667 $4,713 3.21%
    ALBUQUERQUE, NM (FHA|USDA|VA) 19 $4,935,000 $259,737 $3,662 2.78%
    Snyder, TX (FHA|USDA|VA) 23 $3,815,000 $165,870 $4,701 3.69%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 14 $3,730,000 $266,429 $4,411 3.16%
    Ruidoso, NM (FHA|USDA|VA) 14 $3,700,000 $264,286 $3,384 2.87%
    ROCKFORD, IL (FHA|USDA|VA) 21 $3,305,000 $157,381 $3,108 3.30%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 12 $3,110,000 $259,167 $9,803 2.84%
    SHEBOYGAN, WI (FHA|USDA|VA) 16 $2,610,000 $163,125 $3,217 3.26%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 8 $2,610,000 $326,250 $3,735 2.80%
    ABILENE, TX (FHA|USDA|VA) 12 $2,560,000 $213,333 $3,432 3.94%
    MADISON, WI (FHA|USDA|VA) 10 $2,380,000 $238,000 $3,585 3.06%
    ODESSA, TX (FHA|USDA|VA) 9 $2,305,000 $256,111 $8,924 3.81%
    Plainview, TX (FHA|USDA|VA) 13 $2,155,000 $165,769 $5,294 3.67%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $2,030,000 $338,333 $4,306 3.19%
    Gainesville, TX (FHA|USDA|VA) 7 $1,955,000 $279,286 $6,730 3.30%
    AMARILLO, TX (FHA|USDA|VA) 9 $1,845,000 $205,000 $5,104 3.39%
    Mineral Wells, TX (FHA|USDA|VA) 4 $1,620,000 $405,000 $7,666 3.56%
    Los Alamos, NM (FHA|USDA|VA) 5 $1,555,000 $311,000 $3,842 2.80%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $1,325,000 $265,000 $5,880 3.05%
    Andrews, TX (FHA|USDA|VA) 4 $1,310,000 $327,500 $6,942 3.44%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $1,255,000 $418,333 $3,368 2.92%
    Granbury, TX (FHA|USDA|VA) 5 $1,225,000 $245,000 $4,804 2.78%
    Lamesa, TX (FHA|USDA|VA) 5 $1,145,000 $229,000 $5,250 3.28%
    BOULDER, CO (FHA|USDA|VA) 2 $1,010,000 $505,000 $4,035 3.00%
    Taos, NM (FHA|USDA|VA) 2 $980,000 $490,000 $4,261 3.44%
    BILLINGS, MT (FHA|USDA|VA) 4 $940,000 $235,000 $3,953 3.47%
    WACO, TX (FHA|USDA|VA) 3 $895,000 $298,333 $6,013 3.33%
    FARMINGTON, NM (FHA|USDA|VA) 3 $835,000 $278,333 $3,333 2.46%
    Bozeman, MT (FHA|USDA|VA) 2 $830,000 $415,000 $8,384 3.13%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $785,000 $261,667 $2,391 2.88%
    Stephenville, TX (FHA|USDA|VA) 3 $785,000 $261,667 $4,127 3.63%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $745,000 $248,333 $4,728 3.33%
    Kalispell, MT (FHA|USDA|VA) 2 $660,000 $330,000 $3,003 2.88%
    Sweetwater, TX (FHA|USDA|VA) 2 $600,000 $300,000 $3,724 3.56%
    Manitowoc, WI (FHA|USDA|VA) 3 $555,000 $185,000 $4,922 3.13%
    Rochelle, IL (FHA|USDA|VA) 2 $550,000 $275,000 $3,408 2.94%
    Show Low, AZ (FHA|USDA|VA) 1 $515,000 $515,000 $5,912 3.00%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $505,000 $505,000 $3,575 3.38%
    Helena, MT (FHA|USDA|VA) 2 $490,000 $245,000 $4,488 3.19%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $490,000 $245,000 $4,469 3.50%
    Corsicana, TX (FHA|USDA|VA) 2 $480,000 $240,000 $2,761 3.75%
    Breckenridge, CO (FHA|USDA|VA) 1 $465,000 $465,000 $3,324 3.63%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $415,000 $415,000 $2,776 2.88%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $380,000 $190,000 $3,292 3.13%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $325,000 $325,000 $4,944 3.25%
    Pampa, TX (FHA|USDA|VA) 2 $320,000 $160,000 $3,886 3.19%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $280,000 $140,000 $6,425 2.94%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $275,000 $275,000 $2,622 2.75%
    TUCSON, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $2,702 2.75%
    Hobbs, NM (FHA|USDA|VA) 2 $230,000 $115,000 $4,266 3.94%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $2,752 2.50%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,197 3.00%
    Clovis, NM (FHA|USDA|VA) 2 $220,000 $110,000 $4,916 3.00%
    Rockport, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,544 3.38%
    Dumas, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,359 3.50%
    Uvalde, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,277 2.75%
    Athens, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,884 2.88%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $145,000 $145,000 $3,044 4.38%
    Roswell, NM (FHA|USDA|VA) 1 $115,000 $115,000 $2,997 3.00%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $105,000 $105,000 $2,680 4.38%
    IOWA CITY, IA (FHA|USDA|VA) 1 $95,000 $95,000 $3,022 3.00%
    Portales, NM (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.45%
    First Bank & Trust's top markets include Lubbock, Dallas, Midland, Wichita Falls, and San Angelo among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

    • 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.

    TEXOMA COMMUNITY CREDIT UNION
    Similarity Rank: 90
    ILLINOIS STATE CREDIT UNION
    Similarity Rank: 129
    RIO GRANDE
    Similarity Rank: 135
    Rock Valley Credit Union
    Similarity Rank: 135
    FIRST NORTHERN Credit Union
    Similarity Rank: 180
    SANDIA LABORATORY
    Similarity Rank: 244
    My Community Credit Union
    Similarity Rank: 350
    First Financial Credit Union
    Similarity Rank: 429
    Stillman Bank
    Similarity Rank: 455
    AAXY L.L.C.
    Similarity Rank: 522

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,851 $474,705,000 $256,459 $4,374 3.40%
    FHA 575 $103,075,000 $179,261 $6,909 3.26%
    VA 98 $23,370,000 $238,469 $5,559 2.98%
    USDA 18 $2,450,000 $136,111 $4,800 2.90%

    For 2020, First Bank & Trust's most frequently originated type of loan was Conventional, with 1,851 originations. Their 2nd most popular type was FHA, with 575 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,522 $352,420,000 $231,551 $5,698 3.40%
    Refi 669 $168,225,000 $251,457 $3,812 3.16%
    Cash Out Refi 314 $76,880,000 $244,841 $4,783 3.41%
    Other 23 $4,965,000 $215,870 $4,674 3.38%
    Home Improvement 14 $1,110,000 $79,286 $760 5.56%

    For 2020, First Bank & Trust's most frequently cited loan purpose was Home Purchase, with 1,522 originations. The 2nd most popular reason was Refi, with 669 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,036 $472,930,000 $232,284 $5,310 3.33%
    15 Year 323 $68,965,000 $213,514 $3,898 3.12%
    20 Year 122 $29,360,000 $240,656 $3,790 3.66%
    5 Year 20 $2,850,000 $142,500 $211 5.01%
    Other 20 $25,380,000 $1,269,000 $3,203 4.46%
    10 Year 13 $2,515,000 $193,462 $3,481 4.10%
    1 Year 8 $1,600,000 $200,000 $783 5.63%

    For 2020, First Bank & Trust's most frequently cited loan duration was 30 Year, with 2,036 originations. The 2nd most popular length was 15 Year, with 323 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,369 $341,585,000 $249,514
    $<1k 713 $130,575,000 $183,135
    $2k-3k 112 $32,510,000 $290,268
    $3k-4k 66 $20,560,000 $311,515
    $5k+ 29 $15,345,000 $529,138
    $4k-5k 25 $10,075,000 $403,000

    First Bank & Trust's average total fees were $5,310, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,369 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,214 $290,570,000 $239,349
    2.5-3% 778 $198,280,000 $254,859
    4-5% 274 $56,590,000 $206,533
    <2.5% 210 $49,070,000 $233,667
    5-6% 57 $8,235,000 $144,474
    6-7% 8 $840,000 $105,000
    7-8% 1 $15,000 $15,000

    During 2020, First Bank & Trust's average interest rate for loans was 3.33%, while their most frequently originated rate bucket for loans was 3-4%, with 1,214 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,030 $282,480,000 $274,252 $5,427 3.21%
    $100k-200k 970 $144,960,000 $149,443 $4,710 3.43%
    $100,000 or less 278 $21,100,000 $75,899 $3,486 3.74%
    $400k-600k 250 $117,820,000 $471,280 $5,748 3.13%
    $600k-1MM 8 $5,960,000 $745,000 $8,309 4.34%
    $1MM+ 6 $31,280,000 $5,213,333 $13,346 4.13%

    2020 saw First Bank & Trust place emphasis on $200k-400k loans with 1,030 originations, totaling $282,480,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 545 $136,395,000 $250,266 $5,036 3.26%
    $50k-75k 528 $92,680,000 $175,530 $5,200 3.30%
    $75k-100k 416 $86,140,000 $207,067 $5,312 3.31%
    $150k-250k 368 $112,060,000 $304,511 $5,091 3.33%
    $50k or less 319 $40,605,000 $127,288 $4,747 3.32%
    $250k+ 236 $87,900,000 $372,458 $5,041 3.43%

    First Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 545 originations. The second most popular income band? $50k-75k, with 528 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 490 $114,790,000 $234,265 $4,358 3.22%
    30-36% 411 $94,555,000 $230,061 $4,680 3.27%
    <20% 206 $50,670,000 $245,971 $4,094 3.24%
    50-60% 196 $38,780,000 $197,857 $7,171 3.33%
    40% 106 $24,580,000 $231,887 $5,112 3.39%
    43% 101 $27,845,000 $275,693 $5,506 3.37%
    41% 95 $19,665,000 $207,000 $5,296 3.35%
    44% 94 $22,550,000 $239,894 $5,178 3.32%
    42% 93 $22,005,000 $236,613 $5,201 3.35%
    39% 87 $18,565,000 $213,391 $4,910 3.40%
    36% 82 $19,840,000 $241,951 $5,089 3.32%
    38% 81 $19,515,000 $240,926 $5,176 3.51%
    49% 81 $18,525,000 $228,704 $5,781 3.35%
    45% 73 $16,865,000 $231,027 $5,283 3.20%
    37% 73 $14,925,000 $204,452 $4,513 3.46%
    46% 66 $15,350,000 $232,576 $5,837 3.31%
    47% 61 $13,825,000 $226,639 $5,493 3.28%
    48% 56 $13,800,000 $246,429 $5,832 3.25%
    >60% 6 $1,370,000 $228,333 $5,758 4.04%

    First Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 490 originations. The next most common DTI ratio? 30-36%, with 411 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,177 $503,575,000 $231,316 $5,010 3.30%
    Not provided 162 $41,200,000 $254,321 $5,422 3.29%
    Not applicable 75 $34,355,000 $458,067 $0 4.59%
    Black 58 $11,780,000 $203,103 $5,831 3.44%
    Asian 44 $8,090,000 $183,864 $4,982 3.53%
    American Indian 25 $4,135,000 $165,400 $4,967 3.40%
    Native Hawaiian or Islander 1 $465,000 $465,000 $4,929 4.00%

    Approval Rates

    Total approvals of all applications
    95.12%

    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 origination
    78.13%

    First Bank & Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,542 $603,600,000 $237,451

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 4 $23,810,000 $5,952,500
    Single Family (1-4 Units):Manufactured 3 $345,000 $115,000
    Single Family (1-4 Units):Site-Built 2,535 $579,445,000 $228,578

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 83 $16,335,000 $196,807 $3,693 3.35%
    40-60% 239 $58,245,000 $243,703 $3,923 3.14%
    60-80% 839 $226,455,000 $269,911 $4,258 3.44%
    80-100% 1,357 $298,095,000 $219,672 $5,709 3.31%
    Over 100% 12 $3,390,000 $282,500 $11,816 2.76%
    Under 20% 12 $1,080,000 $90,000 $1,747 5.38%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 13.3%
    FIRST HORIZON BANK Other type of mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 2 13.3%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 6.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 3 20.0%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Bank & Trust 1910 Lockwood Tahoka, TX 79373 Full Service B&M $85,285
    First Bank & Trust 2000 Green Avenue Wilson, TX 79381 Full Service B&M $0
    First Bank & Trust 2225 Hickory Colorado City, TX 79512 Full Service B&M $103,496
    First Bank & Trust 2619 College Avenue Snyder, TX 79549 Full Service B&M $112,557
    First Bank & Trust 3405 22nd Street Lubbock, TX 79410 Full Service B&M $45,214
    First Bank & Trust 6501 19th Street Lubbock, TX 79407 Full Service B&M $25,659
    First Bank & Trust 7806 Indiana Avenue Lubbock, TX 79423 Limited, Mobile/Seasonal Office $0
    First Bank & Trust 7806 Indiana Avenue Lubbock, TX 79423 Full Service B&M $136,442
    First Bank & Trust 9816 Slide Road Lubbock, TX 79424 Full Service B&M $451,233

    For 2020, First Bank & Trust had 9 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $48,971
    Net interest income $43,148
    Total noninterest income $32,385
    Gross Fiduciary activities income $9
    Service charges on deposit accounts $2,888
    Trading account gains and fees $0
    Additional Noninterest Income $29,488
    Pre-tax net operating income $15,207
    Securities gains (or losses, -) $270
    Income before extraordinary items $11,501
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $11,501
    Minority interest net income $0
    Net income $11,501
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $11,287

    First Bank & Trust's gross interest income from loans was $48,971,000.
    First Bank & Trust's net interest income from loans was $43,148,000.
    First Bank & Trust's fee based income from loans was $2,888,000.
    First Bank & Trust's net income from loans was $11,501,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,823
    Provision for credit losses $10,663
    Total noninterest expense $49,663
    Salaries and employee benefits $20,171
    Premises and equipment expense $4,446
    Additional noninterest expense $25,046
    Applicable income taxes $3,976
    Net charge-offs $316
    Cash dividends $9,000

    First Bank & Trust's interest expense for loans was $5,823,000.
    First Bank & Trust's payroll and benefits expense were $20,171,000.
    First Bank & Trust's property, plant and equipment expenses $4,446,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.3%
    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 $2,622,716
    Deposits held in domestic offices $2,622,716
    Deposits by Individuals, partnerships, and corporations $2,188,942
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $431,440
    Deposits by Commercial banks and other depository institutions in U.S. $2,333
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $205,060
    Demand deposits $194,264
    Nontransaction accounts $2,417,656
    Money market deposit accounts (MMDAs) $1,421,040
    Other savings deposits (excluding MMDAs) $472,759
    Total time deposits $523,857
    Total time and savings deposits $2,428,452
    Noninterest-bearing deposits $831,005
    Interest-bearing deposits $1,791,711
    Retail deposits $2,400,611
    IRAs and Keogh plan accounts $42,966
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,171,961
    Cash & Balances due from depository institutions $69,634
    Interest-bearing balances $19,136
    Total securities $978,497
    Federal funds sold & reverse repurchase $55,048
    Net loans and leases $1,713,925
    Loan and leases loss allowance $28,662
    Trading account assets $1,842
    Bank premises and fixed assets $53,378
    Other real estate owned $551
    Goodwill and other intangibles $229,068
    All other assets $70,018

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,171,961
    Total Liabilities $2,669,696
    Total deposits $2,622,716
    Interest-bearing deposits $1,791,711
    Deposits held in domestic offices $2,622,716
    % insured (estimated) $59
    Federal funds purchased and repurchase agreements $22,752
    Trading liabilities $1,842
    Other borrowed funds $2,929
    Subordinated debt $0
    All other liabilities $19,457

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,713,925
    Loan and leases loss allowance $28,662
    Total loans and leases (domestic) $1,742,587
    All real estate loans $1,202,506
    Real estate loans in domestic offices $1,202,506
    Construction and development loans $154,951
    Residential 1-4 family construction $46,598
    Other construction, all land development and other land $108,353
    Loans secured by nonfarm nonresidential properties $522,340
    Nonfarm nonresidential secured by owner-occupied properties $235,708
    Commercial real estate & other non-farm, non-residential $286,632
    Multifamily residential real estate $13,628
    1-4 family residential loans $354,399
    Farmland loans $157,188
    Loans held in foreign offices $0
    Farm loans $108,773
    Commercial and industrial loans $405,268
    To non-U.S. addressees $0
    Loans to individuals $24,793
    Credit card loans $1,880
    Related Plans $3,467
    Consumer Auto Loans $10,913
    Other loans to individuals $8,533
    All other loans & leases $2,321
    Loans to foreign governments and official institutions $0
    Other loans $440
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $33
    Non 1-4 family restructured loans & leases $33
    Total loans and leases (foreign) $0

    First Bank & Trust had $1,713,925,000 of loans outstanding in 2020. $1,202,506,000 of loans were in real estate loans. $154,951,000 of loans were in development loans. $13,628,000 of loans were in multifamily mortgage loans. $354,399,000 of loans were in 1-4 family mortgage loans. $108,773,000 of loans were in farm loans. $1,880,000 of loans were in credit card loans. $10,913,000 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 642 $136,510 $212,632
    Nonfarm, nonresidential loans - <$100k 180 $7,139 $39,661
    Nonfarm, nonresidential loans - $100-250k 169 $20,614 $121,976
    Nonfarm, nonresidential loans - $250k-1MM 293 $108,757 $371,184
    Commercial & Industrial, US addressed loans - <$1MM 2,091 $148,337 $70,941
    Commercial & Industrial, US addressed loans - <$100k 1,468 $33,648 $22,921
    Commercial & Industrial, US addressed loans - $100-250k 339 $35,523 $104,788
    Commercial & Industrial, US addressed loans - $250k-1MM 284 $79,166 $278,754
    Farmland loans - <$1MM 225 $32,023 $142,324
    Farmland loans - <$100k 77 $3,484 $45,247
    Farmland loans - $100-250k 86 $11,139 $129,523
    Farmland loans - $250k-1MM 62 $17,400 $280,645
    Agriculture operations loans - <$1MM 512 $24,850 $48,535
    Agriculture operations loans - <$100k 338 $6,675 $19,749
    Agriculture operations loans - $100-250k 103 $8,180 $79,417
    Agriculture operations loans - $250k-1MM 71 $9,995 $140,775