PROTECTING THE BANK and our Customers
First Bank and Trust Company remains committed to safeguarding the financial well-being of our customers while guard- ing the value of our shareholders’ invest- ment. In 2025, the Bank established a dedicat- ed Fraud Department to strengthen our ability to prevent, detect, and respond to increasingly sophisticated financial fraud schemes. This specialized team works across multiple areas of the organization to quickly respond to suspected fraud- ulent activity, enhance fraud detection
tools and processes, and implement proactive strategies designed to protect customer accounts and Bank assets. The creation of this department reflects First Bank and Trust Company’s contin- ued focus on strong risk management and operational resilience. By centralizing fraud prevention efforts and investing in specialized expertise and technology, the Bank is better positioned to deliver on our commitment to protect our customers’ hard-earned money as well as preserving the integrity, stability, and long-term val- ue of the Bank for our shareholders. serve and perpetuate the unique culture of the organization to the next generation of leaders, as well as providing oppor- tunities for advancement for our staff. Management and the Board of Directors have focused on building depth across the organization, with back-ups and eventual successors identified at each key position. Continuity of the First Bank and Trust Company culture is vital for the stability and future success of the organization and to ensure that we are able to provide long lasting shareholder value and growth.
TALENT Development
Recruiting and developing talent across the organization is a priority as the Bank continues to grow in asset size and enter new markets. We remain committed to providing the necessary investment in training and leadership development, ensuring that our employees have the knowledge and expertise necessary to serve our current and future customers and communities, adapt to a changing industry, and sustain our track record of high performance. By fostering internal advancement and mentorship, we pre-
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