Performance
LOAN
Growth in net loans amounted to $214 mil- lion for 2025, spread across our commercial, agriculture and mortgage portfolios. This increase in outstanding balances was achieved while continuing to maintain unwavering adherence to our credit standards, including prudent credit underwriting and risk manage- ment practices, as well as pricing discipline. Looking forward, we believe that the Bank is well positioned in vibrant markets with a highly qualified and motivated lending staff to produce even more growth in 2026. As we have done throughout the Bank, we have invested significant resources into our lending operations. In early 2026, the Loan- Vantage lending platform was implement- ed throughout the Bank. LoanVantage is a modern platform designed to streamline and standardize our commercial lending processes while maintaining strong risk management practices. LoanVantage provides our com-
mercial lending teams with a centralized, browser-based system that delivers immediate access to the information needed to make informed credit decisions. The platform sup- ports the full lifecycle of commercial lending, from prospecting and pipeline management to credit analysis, ongoing reviews, and portfolio monitoring, helping ensure greater consistency and efficiency across our lending operations. For shareholders, the adoption of LoanVan- tage represents another step in First Bank and Trust Company’s ongoing commitment to operational efficiency, prudent risk manage- ment, and scalable growth. By modernizing our commercial lending infrastructure, the Bank is better positioned to support loan growth, maintain strong credit quality, and deliver long-term value to our shareholders while continuing to meet the financial needs of the communities we serve.
2025 Annual Report | 12
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