2024 Digital Annual Report

AGRICULTURE LOANS

31 AG Lenders across VA, TN, NC, and GA GROWTH OF LENDERS

$916,270,354 outstanding as of 12/31/2024, providing a 13.5% growth in loans.

Like many of our Ag Lenders, I own and operate my own farm. Being a farmer myself gives me unique insight into the needs and challenges of our customers.

Sheldon Waldron , AVP Lender

94 at $18.5 M in total loan volume FIRST-TIME HOMEBUYERS

MORTGAGE LOANS

$682,818,886 outstanding as of 12/31/2024, providing a 21.3% growth in loans.

With a diversified range of product offerings, we are a true Community Bank, able to cater to any customer scenario, whether that is a first-time homebuyer, someone seeking a construction loan, providing an equity line, or someone buying their forever home. Chad Pennington , VP - Mortgage Loan Originator

COMMERCIAL LOANS

12.2 % growth in loans in 2024 LOAN GROWTH

$1,116,228,901 outstanding as of 12/31/2024

First Bank and Trust Company is large enough to take care of almost any customer, but still operates like a small bank, treating customers as individuals rather than numbers. At the end of the day, that matters.

Jonathan Comer , SVP - Commercial Lender

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