MORRISTOWN Tennessee
First Bank and Trust Company continued its strategic growth in 2025 with the opening of a new full-service office in Morristown, Ten- nessee. Located at 148 Cold Creek Drive, the office represents the Bank’s 28th full-service location and expands our footprint in East Tennessee, an area that continues to experi- ence strong economic and population growth. The new branch builds on the success of our existing loan production presence in Morris- town and reflects management’s disciplined approach to entering markets where we see long-term opportunities to deepen relation- ships, grow deposits, and responsibly expand our loan portfolio. The Morristown office also reflects an evo- lution in how we deliver on our promise of exceptional customer service. Rather than a traditional teller line, the branch was designed with dedicated workspaces for Relationship Bankers, allowing them to meet one-on-one with customers and provide more personal- ized financial guidance. This modern layout encourages deeper conversations around lending, treasury management, and financial planning while maintaining the convenience customers expect through lobby service, drive-through access, and digital banking tools. The investment demonstrates our continued commitment to thoughtful growth, innovation in service delivery, and long-term value creation for our shareholders. First Bank and Trust Company will strength- en its presence in North Carolina by opening a full-service office in Wilson in April 2026, becoming the fourth full-service office in the state, along with Red Oak, Lillington, and Mount Airy, in addition to a loan production office in Clinton. The central placement of the Wilson office will allow the Bank to better service the many agribusiness enterprises throughout the Coastal Plain Region that have already become Bank customers, many of whom repeatedly expressed a desire for a true community bank in the region. Wilson is also a rapidly growing center for industry, attract- ing investment from multiple large companies WILSON North Carolina
which will fuel job creation and development for years to come. Since entering North Carolina, the Bank has experienced consistent loan and deposit growth, building a customer base one account at a time, creating generational relationships, just as we have in our other markets. Earlier this year, the Bank hired Corey Alphin as Se- nior Vice President and Regional Manager to oversee local teams, lead strategic initiatives, and strengthen the Bank’s presence in North Carolina. The new Wilson office and hiring of Alphin reflects the Bank’s continued commit- ment to thoughtful, measured expansion and building long-term relationships in attractive community banking markets. For sharehold- ers, this growth demonstrates our mission to build lasting value and deliver sustained performance.
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