Lending

Local customer service. That's the key difference you'll experience when you get a personal loan at First Bank & Trust Company. With a variety of personal loan options available, you are certain to find a lending option that best fits your needs. Our local, experienced, qualified lenders will be sure to make the experience enjoyable.


First Bank & Trust Company’s Mortgage Division helps customers decide what kind of home loan best fit their need whether it’s a 15 or 30-year fixed rate mortgage, or whether it's a conventional, FHA, VA or VHDA loan. And, we service all our mortgage loans for the life of the loan.

  • FHA (Federal Housing Authority) 
  • VA (Veterans Administration) 
  • Rural Development 
  • Conventional 
  • Up to 97% Financing 
  • Low or No Down Payment 
  • Local Processing 
  • Free Consultation

Construction permanent loans provide options that can help you avoid closing costs and origination fees.

Whether you're remodeling a room in your home or need additional funds at tax time a First Bank & Trust home equity line of credit may just be the answer. Check with us to see how a home equity line of credit can work for you.

Financing available for all your consumer needs including automobile, motor homes, campers, RVs, motorcycles and airplanes.

Flexible term financing for real estate and improvements, equipment, livestock and operating lines of credit. Repayment terms designed for your operation and full banking services for individuals, agricultural producers, and Agri-businesses

  • USDA Farm Service Agency (FSA) Preferred Lender
  • Active participant is the USDA Rural Development B&I Loan Program
  • Farmer Mac Originator


Our experienced lenders, management and Board of Directors are committed to the needs of the agribusiness industry with over 36 years of service. Our advisory board is comprised of industry leaders.

First Bank & Trust Company's Agricultural Division is nationally ranked. 

Click here to complete a Personal Financial Statement.

We provide land loans for homes, commercial use, agricultural needs and other times when the need arises for purchasing lots or land.