First Bank & Trust Mortgage Rates, Fees & Info

Lubbock, TX

LEI: 549300JS5JD63G4G8809

Tax ID: 75-0264392

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

First Bank & Trust is a smaller bank specializing in Home Purchase 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 Abilene among others. We have data for 70 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 a low 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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Originations

2,126

Origination Dollar Volume (All Markets)

$499,580,000

Employee count

279

Awards

First Bank & Trust 30 Year Conventional Loans gold

First Bank & Trust 30 Year Conventional Loans bronze

First Bank & Trust 30 Year Conventional Loans silver

Show all (3) 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)	953	$208,525,000	$218,809	$5,047	3.38%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	332	$91,460,000	$275,482	$5,547	3.19%
MIDLAND, TX (FHA\|USDA\|VA)	132	$38,300,000	$290,152	$7,278	3.24%
Outside of Metro Areas	154	$25,760,000	$167,273	$4,405	3.31%
WICHITA FALLS, TX (FHA\|USDA\|VA)	145	$23,385,000	$161,276	$4,581	3.26%
ABILENE, TX (FHA\|USDA\|VA)	25	$21,315,000	$852,600	$5,408	4.07%
SANTA FE, NM (FHA\|USDA\|VA)	26	$9,210,000	$354,231	$3,908	2.70%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	25	$8,575,000	$343,000	$3,808	2.88%
Levelland, TX (FHA\|USDA\|VA)	51	$8,065,000	$158,137	$3,809	3.35%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	21	$6,015,000	$286,429	$4,113	3.13%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	18	$4,880,000	$271,111	$6,161	3.23%
Pampa, TX (FHA\|USDA\|VA)	38	$4,680,000	$123,158	$2,663	4.16%
Snyder, TX (FHA\|USDA\|VA)	34	$4,550,000	$133,824	$3,124	3.94%
ODESSA, TX (FHA\|USDA\|VA)	18	$3,900,000	$216,667	$6,499	3.60%
Mineral Wells, TX (FHA\|USDA\|VA)	5	$3,315,000	$663,000	$6,524	3.68%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	7	$2,575,000	$367,857	$3,038	2.86%
ROCKFORD, IL (FHA\|USDA\|VA)	9	$2,125,000	$236,111	$3,736	3.32%
Gainesville, TX (FHA\|USDA\|VA)	5	$1,735,000	$347,000	$4,266	2.80%
SAN ANGELO, TX (FHA\|USDA\|VA)	5	$1,645,000	$329,000	$7,089	3.73%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	6	$1,600,000	$266,667	$5,815	3.10%
Clovis, NM (FHA\|USDA\|VA)	5	$1,575,000	$315,000	$3,870	3.67%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	7	$1,455,000	$207,857	$4,437	3.43%
Edwards, CO (FHA\|USDA\|VA)	3	$1,445,000	$481,667	$4,009	3.21%
Ruidoso, NM (FHA\|USDA\|VA)	5	$1,365,000	$273,000	$4,373	3.30%
AMARILLO, TX (FHA\|USDA\|VA)	6	$1,330,000	$221,667	$5,382	3.21%
Big Spring, TX (FHA\|USDA\|VA)	4	$1,320,000	$330,000	$3,734	4.19%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	2	$1,030,000	$515,000	$5,826	2.50%
FARMINGTON, NM (FHA\|USDA\|VA)	3	$1,025,000	$341,667	$6,688	2.50%
MADISON, WI (FHA\|USDA\|VA)	4	$990,000	$247,500	$4,618	2.91%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	3	$985,000	$328,333	$5,623	3.79%
Granbury, TX (FHA\|USDA\|VA)	3	$935,000	$311,667	$4,382	3.00%
Andrews, TX (FHA\|USDA\|VA)	3	$915,000	$305,000	$6,397	3.29%
Lamesa, TX (FHA\|USDA\|VA)	4	$890,000	$222,500	$6,067	3.25%
Dumas, TX (FHA\|USDA\|VA)	4	$880,000	$220,000	$4,961	3.28%
SHEBOYGAN, WI (FHA\|USDA\|VA)	7	$835,000	$119,286	$3,178	3.09%
Corsicana, TX (FHA\|USDA\|VA)	3	$775,000	$258,333	$6,950	3.54%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	4	$690,000	$172,500	$5,210	3.63%
Hobbs, NM (FHA\|USDA\|VA)	4	$640,000	$160,000	$4,880	3.09%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	3	$545,000	$181,667	$3,741	3.13%
Alamogordo, NM (FHA\|USDA\|VA)	1	$545,000	$545,000	$5,110	4.50%
Taos, NM (FHA\|USDA\|VA)	2	$510,000	$255,000	$3,936	3.63%
Athens, TX (FHA\|USDA\|VA)	2	$500,000	$250,000	$5,469	3.13%
Plainview, TX (FHA\|USDA\|VA)	3	$465,000	$155,000	$4,596	3.29%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	2	$460,000	$230,000	$3,050	2.69%
BILLINGS, MT (FHA\|USDA\|VA)	1	$415,000	$415,000	$6,060	2.88%
BOULDER, CO (FHA\|USDA\|VA)	1	$405,000	$405,000	$3,502	2.25%
WACO, TX (FHA\|USDA\|VA)	3	$405,000	$135,000	$0	3.54%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	1	$385,000	$385,000	$3,114	3.13%
TYLER, TX (FHA\|USDA\|VA)	2	$380,000	$190,000	$4,162	3.00%
Whitewater, WI (FHA\|USDA\|VA)	1	$325,000	$325,000	$2,269	3.25%
Brownwood, TX (FHA\|USDA\|VA)	1	$325,000	$325,000	$3,062	3.13%
FOND DU LAC, WI (FHA\|USDA\|VA)	1	$275,000	$275,000	$1,509	3.88%
Sweetwater, TX (FHA\|USDA\|VA)	2	$250,000	$125,000	$6,371	3.38%
Portales, NM (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,636	3.50%
Las Vegas, NM (FHA\|USDA\|VA)	1	$225,000	$225,000	$4,862	3.25%
Kerrville, TX (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,844	3.00%
Kalispell, MT (FHA\|USDA\|VA)	1	$205,000	$205,000	$3,358	3.38%
Los Alamos, NM (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,568	2.13%
Bonham, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$6,715	3.88%
JOHNSON CITY, TN (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,755	2.88%
Ardmore, OK (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	4.75%
LONGVIEW, TX (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,970	3.75%
JANESVILLE-BELOIT, WI (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,414	3.13%
Durant, OK (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,719	2.63%
SPRINGFIELD, MO (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,105	3.00%
Vernon, TX (FHA\|USDA\|VA)	1	$115,000	$115,000	$1,917	2.75%
Pecos, TX (FHA\|USDA\|VA)	1	$115,000	$115,000	$5,140	2.88%
Carlsbad-Artesia, NM (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	4.75%
Platteville, WI (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	3.38%
Freeport, IL (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,871	3.00%

First Bank & Trust's top markets include Lubbock, Dallas, Midland, Wichita Falls, and Abilene among others.

Their top states include:

Texas (FHA|USDA|VA)

New Mexico (FHA|USDA|VA)

Arizona (FHA|USDA|VA)

Colorado (FHA|USDA|VA)

Montana (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,662	$405,310,000	$243,869	$4,410	3.38%
FHA	357	$68,585,000	$192,115	$7,342	3.27%
VA	89	$23,605,000	$265,225	$6,159	2.94%
USDA	18	$2,080,000	$115,556	$4,860	3.05%

For 2021, First Bank & Trust's most frequently originated type of loan was Conventional, with 1,662 originations. Their 2nd most popular type was FHA, with 357 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,385	$331,245,000	$239,166	$5,761	3.44%
Refi	420	$98,490,000	$234,500	$3,622	3.01%
Cash Out Refi	254	$60,610,000	$238,622	$4,695	3.34%
Home Improvement	42	$4,670,000	$111,190	$1,584	3.29%
Other	25	$4,565,000	$182,600	$3,363	3.03%

For 2021, First Bank & Trust's most frequently cited loan purpose was Home Purchase, with 1,385 originations. The 2nd most popular reason was Refi, with 420 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,544	$373,100,000	$241,645	$5,477	3.31%
15 Year	358	$73,550,000	$205,447	$3,535	2.81%
5 Year	78	$24,880,000	$318,974	$533	4.75%
20 Year	62	$11,830,000	$190,806	$5,159	3.78%
10 Year	43	$8,145,000	$189,419	$3,047	4.16%
Other	26	$5,580,000	$214,615	$3,792	4.34%
1 Year	14	$2,480,000	$177,143	$0	4.93%
3 Year	1	$15,000	$15,000	$0	4.75%

For 2021, First Bank & Trust's most frequently cited loan duration was 30 Year, with 1,544 originations. The 2nd most popular length was 15 Year, with 358 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	1,001	$258,725,000	$258,467
$<1k	630	$119,950,000	$190,397
$2k-3k	80	$24,470,000	$305,875
$3k-4k	38	$13,120,000	$345,263
$5k+	29	$12,515,000	$431,552
$4k-5k	22	$8,180,000	$371,818

First Bank & Trust's average total fees were $5,477, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,001 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	997	$238,285,000	$239,002
2.5-3%	614	$157,240,000	$256,091
4-5%	270	$49,890,000	$184,778
<2.5%	200	$49,500,000	$247,500
5-6%	44	$4,620,000	$105,000
6-7%	1	$45,000	$45,000

During 2021, First Bank & Trust's average interest rate for loans was 3.31%, while their most frequently originated rate bucket for loans was 3-4%, with 997 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	793	$219,785,000	$277,156	$5,728	3.17%
$100k-200k	720	$107,740,000	$149,639	$4,565	3.41%
$100,000 or less	358	$24,570,000	$68,631	$2,973	3.69%
$400k-600k	234	$114,430,000	$489,017	$6,133	3.09%
$600k-1MM	14	$10,540,000	$752,857	$7,126	3.64%
$1MM+	7	$22,515,000	$3,216,429	$9,531	3.76%

2021 saw First Bank & Trust place emphasis on $200k-400k loans with 793 originations, totaling $219,785,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	445	$113,755,000	$255,629	$5,425	3.22%
$50k-75k	409	$73,815,000	$180,477	$5,200	3.28%
$75k-100k	332	$67,640,000	$203,735	$5,067	3.26%
$150k-250k	327	$103,735,000	$317,232	$5,346	3.19%
$50k or less	282	$34,680,000	$122,979	$4,291	3.37%
$250k+	177	$63,655,000	$359,633	$5,138	3.31%

First Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 445 originations. The second most popular income band? $50k-75k, with 409 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	392	$90,270,000	$230,281	$4,403	3.17%
30-36%	350	$78,940,000	$225,543	$4,733	3.16%
<20%	124	$27,710,000	$223,468	$4,138	3.02%
50-60%	97	$20,685,000	$213,247	$7,156	3.22%
49%	88	$22,030,000	$250,341	$6,060	3.26%
44%	86	$20,870,000	$242,674	$5,088	3.35%
36%	82	$21,800,000	$265,854	$5,579	3.35%
40%	82	$19,680,000	$240,000	$5,050	3.37%
42%	76	$15,960,000	$210,000	$4,873	3.35%
38%	76	$19,020,000	$250,263	$5,394	3.24%
39%	73	$15,215,000	$208,425	$5,152	3.25%
43%	71	$18,465,000	$260,070	$5,172	3.23%
47%	66	$15,240,000	$230,909	$5,693	3.33%
37%	63	$15,155,000	$240,556	$5,460	3.27%
41%	61	$13,355,000	$218,934	$5,395	3.35%
45%	54	$14,330,000	$265,370	$5,173	3.15%
46%	53	$11,695,000	$220,660	$5,854	3.27%
48%	52	$13,110,000	$252,115	$5,879	3.30%
>60%	9	$3,305,000	$367,222	$5,550	3.88%

First Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 392 originations. The next most common DTI ratio? 30-36%, with 350 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,755	$408,595,000	$232,818	$5,068	3.25%
Not provided	168	$37,440,000	$222,857	$4,891	3.36%
Not applicable	118	$34,230,000	$290,085	$0	4.59%
Black	46	$11,060,000	$240,435	$6,337	3.28%
Asian	17	$4,465,000	$262,647	$5,635	3.19%
American Indian	20	$3,300,000	$165,000	$4,869	3.41%
Native Hawaiian or Islander	1	$435,000	$435,000	$4,074	2.75%
Korean	1	$55,000	$55,000	$714	2.90%

Approval Rates

Total approvals of all applications
92.91%

First Bank & Trust has an average approval rate.

Pick Rate

Approvals leading to origination
76.29%

First Bank & Trust has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	2,126	$499,580,000	$234,986

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	2,126	$499,580,000	$234,986

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	78	$12,270,000	$157,308	$3,058	2.96%
40-60%	289	$66,065,000	$228,599	$4,081	3.21%
60-80%	704	$181,880,000	$258,352	$4,465	3.45%
80-100%	1,010	$232,350,000	$230,050	$5,794	3.33%
Over 100%	15	$4,695,000	$313,000	$11,943	2.98%
Under 20%	30	$2,320,000	$77,333	$1,695	3.28%

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	100 South Main Miami, TX 79059	Full Service B&M	$41,254
First Bank & Trust	101 West American Boulevard Muleshoe, TX 79347	Full Service B&M	$118,111
First Bank & Trust	102 East Waylon Jennings Boulevard Littlefield, TX 79339	Full Service B&M	$0
First Bank & Trust	110 College Avenue Levelland, TX 79336	Full Service B&M	$270,677
First Bank & Trust	1111 W Wall St Midland, TX 79701	Full Service B&M	$72,993
First Bank & Trust	1224 North Hobart Pampa, TX 79065	Full Service B&M	$101,122
First Bank & Trust	1505 U.S. Highway 82 Plains, TX 79355	Full Service B&M	$12,441
First Bank & Trust	1810 Hall Avenue Littlefield, TX 79339	Full Service B&M	$78,676
First Bank & Trust	1910 Lockwood Tahoka, TX 79373	Full Service B&M	$114,426
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	$171,483
First Bank & Trust	2619 College Avenue Snyder, TX 79549	Full Service B&M	$136,117
First Bank & Trust	3004 Slide Road Lubbock, TX 79407	Full Service B&M	$17,488
First Bank & Trust	305 North Main Street Shamrock, TX 79079	Full Service B&M	$54,681
First Bank & Trust	337 Phelps Avenue Littlefield, TX 79339	Full Service B&M	$0
First Bank & Trust	3405 22nd Street Lubbock, TX 79410	Full Service B&M	$47,451
First Bank & Trust	3910 S. Treadaway Boulevard Abilene, TX 79602	Full Service B&M	$79,855
First Bank & Trust	4704 College Avenue Snyder, TX 79549	Full Service Retail	$0
First Bank & Trust	5701 Time Square Boulevard, Suite 120 Amarillo, TX 79119	Full Service B&M	$9,610
First Bank & Trust	6501 19th Street Lubbock, TX 79407	Full Service B&M	$37,914
First Bank & Trust	6502 Slide Road, Suite 110 Lubbock, TX 79424	Full Service B&M	$176,921
First Bank & Trust	6506 19th Street Lubbock, TX 79407	Full Service B&M	$0
First Bank & Trust	702 Donald Preston Drive Wolfforth, TX 79382	Full Service B&M	$29,045
First Bank & Trust	7281 Tres Hermanas Boulevard Odessa, TX 79765	Full Service B&M	$175,830
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	$134,494
First Bank & Trust	801 Avenue A Farwell, TX 79325	Full Service B&M	$29,653
First Bank & Trust	9816 Slide Rd Lubbock, TX 79424	Full Service B&M	$451,149

For 2021, First Bank & Trust had 28 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$96,094
Net interest income	$91,869
Total noninterest income	$33,174
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$4,886
Trading account gains and fees	$0
Additional Noninterest Income	$28,288
Pre-tax net operating income	$51,118
Securities gains (or losses, -)	$-85
Income before extraordinary items	$39,045
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$39,045
Minority interest net income	$0
Net income	$39,045
Sale, conversion, retirement of capital stock, net	$-40,000
Net operating income	$39,112

First Bank & Trust's gross interest income from loans was $96,094,000.
First Bank & Trust's net interest income from loans was $91,869,000.
First Bank & Trust's fee based income from loans was $4,886,000.
First Bank & Trust's net income from loans was $39,045,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$4,225
Provision for credit losses	$-8,554
Total noninterest expense	$82,479
Salaries and employee benefits	$28,701
Premises and equipment expense	$7,395
Additional noninterest expense	$46,383
Applicable income taxes	$11,988
Net charge-offs	$980
Cash dividends	$32,000

First Bank & Trust's interest expense for loans was $4,225,000.
First Bank & Trust's payroll and benefits expense were $28,701,000.
First Bank & Trust's property, plant and equipment expenses $7,395,000.

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	1.0%
HELOC loans	0.0%
All other family	1.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
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	$2,397,351
Deposits held in domestic offices	$2,397,351
Deposits by Individuals, partnerships, and corporations	$2,067,027
Deposits by U.S. Government	$2
Deposits by States and political subdivisions in the U.S.	$329,322
Deposits by Commercial banks and other depository institutions in U.S.	$1,000
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$159,193
Demand deposits	$140,548
Nontransaction accounts	$2,238,158
Money market deposit accounts (MMDAs)	$1,496,645
Other savings deposits (excluding MMDAs)	$356,537
Total time deposits	$384,976
Total time and savings deposits	$2,256,803
Noninterest-bearing deposits	$816,787
Interest-bearing deposits	$1,580,564
Retail deposits	$2,236,754
IRAs and Keogh plan accounts	$35,954
Brokered deposits	$35,001
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$2,880,699
Cash & Balances due from depository institutions	$34,617
Interest-bearing balances	$3,759
Total securities	$1,061,827
Federal funds sold & reverse repurchase	$42,525
Net loans and leases	$1,422,351
Loan and leases loss allowance	$16,831
Trading account assets	$853
Bank premises and fixed assets	$40,316
Other real estate owned	$3,139
Goodwill and other intangibles	$212,925
All other assets	$62,146

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$2,880,699
Total Liabilities	$2,421,558
Total deposits	$2,397,351
Interest-bearing deposits	$1,580,564
Deposits held in domestic offices	$2,397,351
% insured (estimated)	$48
Federal funds purchased and repurchase agreements	$2,101
Trading liabilities	$853
Other borrowed funds	$3,135
Subordinated debt	$0
All other liabilities	$18,118

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$1,422,351
Loan and leases loss allowance	$16,831
Total loans and leases (domestic)	$1,439,182
All real estate loans	$1,049,378
Real estate loans in domestic offices	$1,049,378
Construction and development loans	$161,607
Residential 1-4 family construction	$61,243
Other construction, all land development and other land	$100,364
Loans secured by nonfarm nonresidential properties	$485,965
Nonfarm nonresidential secured by owner-occupied properties	$225,610
Commercial real estate & other non-farm, non-residential	$260,355
Multifamily residential real estate	$16,147
1-4 family residential loans	$279,013
Farmland loans	$106,646
Loans held in foreign offices	$0
Farm loans	$82,065
Commercial and industrial loans	$269,376
To non-U.S. addressees	$0
Loans to individuals	$17,348
Credit card loans	$1,922
Related Plans	$2,719
Consumer Auto Loans	$5,735
Other loans to individuals	$6,972
All other loans & leases	$21,015
Loans to foreign governments and official institutions	$0
Other loans	$2,261
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	$29
Non 1-4 family restructured loans & leases	$29
Total loans and leases (foreign)	$0

First Bank & Trust had $1,422,351,000 of loans outstanding in 2021. $1,049,378,000 of loans were in real estate loans. $161,607,000 of loans were in development loans. $16,147,000 of loans were in multifamily mortgage loans. $279,013,000 of loans were in 1-4 family mortgage loans. $82,065,000 of loans were in farm loans. $1,922,000 of loans were in credit card loans. $5,735,000 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	576	$123,353	$214,155
Nonfarm, nonresidential loans - <$100k	164	$6,413	$39,104
Nonfarm, nonresidential loans - $100-250k	150	$18,396	$122,640
Nonfarm, nonresidential loans - $250k-1MM	262	$98,544	$376,122
Commercial & Industrial, US addressed loans - <$1MM	1,705	$112,630	$66,059
Commercial & Industrial, US addressed loans - <$100k	1,199	$26,314	$21,947
Commercial & Industrial, US addressed loans - $100-250k	285	$25,746	$90,337
Commercial & Industrial, US addressed loans - $250k-1MM	221	$60,570	$274,072
Farmland loans - <$1MM	215	$30,475	$141,744
Farmland loans - <$100k	66	$2,916	$44,182
Farmland loans - $100-250k	87	$10,201	$117,253
Farmland loans - $250k-1MM	62	$17,358	$279,968
Agriculture operations loans - <$1MM	482	$29,340	$60,871
Agriculture operations loans - <$100k	319	$7,958	$24,947
Agriculture operations loans - $100-250k	98	$9,077	$92,622
Agriculture operations loans - $250k-1MM	65	$12,305	$189,308