To ensure that we deliver the best possible banking experience to our customers, we will continue to make additional investments across our digital platforms and delivery channels. In 2026, im- plementation of a modernized online banking module for business customers will feature improvements in security, faster payment options, reporting and cash management visibility, as well as an enhanced overall user experience. This advancement will strengthen our ability to deliver a more intuitive, insight-driven digital experience and support the evolv- ing needs of our business customers. 2026 will also mark the beginning of a transition of our debit cards to contact- less, or tap-to-pay cards, to meet evolv- ing customer expectations for speed, convenience and security. As businesses accelerate the adoption of contactless payments, this will allow us to deliver a more seamless, modern payment experi- ence for our customers.
2025 produced another year of outstand- ing deposit growth for the Bank, as our customers continue to place their confi- dence and trust in First Bank and Trust Company to be their financial partner. Unlike large banks that extract deposits from market areas for use elsewhere, First Bank and Trust Company deposits are used locally, funding loans to help busi- nesses expand, farms to grow, families achieve homeownership, and our com- munities to thrive, generating economic development and growth. During the year, the Bank produced $359 million in deposit growth, providing ample fund- ing for loans made during the year, and demonstrating the effectiveness of our relationship-driven model. DEPOSIT Performance
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