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“Customizable Mortgages Bridge Loans, HELOCS and Streamlined residential home loans. Find Out More”

“Personal Service & Support A Variety of Loan Options Local Decision Makers Quick Decision Turnaround Lasting Relationships Streamlined Approval Process”

“Available for pre-owned or new construction properties”

“Commercial Commercial Real Estate Loans”

“Home Lending Commercial Commercial Real Estate Loans”

“No business or deal is the same. We develop custom solutions for businesses investing in real estate. Our experienced lenders take the time to get to know you and understand your business in order to determine which lending options are the best fit for you. Below are some helpful details regarding how we structure our loans: Loans available for office, warehouse, manufacturing, retail, and multi-family properties For use in your business or as an investment Available for pre-owned or new construction properties Featuring loan amortizations of up to 25 years Variable and fixed rate financing Routing # 111907788 Contact Us Locations & Hours Company Careers Bank Holidays Community Reinvestment Act FDIC Bank Find Electronic Deposit Insurance Estimator (EDIE) Resources FDIC Coverage Info FDIC Guide to Cybersecurity Disclosures Privacy Policy Mobile Privacy Policy Electronic Funds Transfer Funds Availability Limits and Fees Transparency in Coverage: Machine Readable Files Privacy Policy | Sitemap | Terms of Use | Web Accessibility Guidelines © 2026 First Bank. All rights reserved. Financial Websites & Marketing by forbinfi Close Personal Deposit Accounts Checking Accounts Savings Accounts CDs IRAs Back Convenience e-Statements Debit Cards Online Banking Back Resources Personal Banking Resources Fraud Prevention Center Back Back Business Deposit Accounts Checking Accounts Savings Accounts CDs Back Management Cash Management Services Back Resources Business Banking Resources Back Back Lending Mortgage Mortgage Pre-Qualification Mortgage Resources Back Personal Personal Loans Vehicle Loans & Refinancing Personal Lending Resources Back Commercial Commercial Real Estate Loans Residential Construction Loans Equipment & Vehicle Loans Aviation Loans Revolving Lines of Credit Business Lending Resources Back Back Resources Tools Blog Financial Calculators Order Checks Financial Statement Form Fraud Prevention Payoff/VOM Request Back Product Resources Checking Resources Savings Resources Personal Lending Resources Business Lending Resources Back Back About Us Who We Are About First Bank Our Leadership Testimonials Customer Stories Community Involvement Bank Holidays Company News Back Connect Careers Locations Contact Us Online Back Back Contact Us Locations You are now leaving First Bank You are leaving our website. We are not endorsing or guaranteeing the products, information or recommendations provided by the organizations linked to our website. We are not liable for any failure of products or services advertised on those sites. We are not responsible for the validity, collection, use or security of information by organizations that may be linked to our website. We encourage you to read the privacy policies of websites reached through the use of links from our website. You are leaving our website. We are not endorsing or guaranteeing the products, information or recommendations provided by the organizations linked to our website. We are not liable for any”

“Residential Construction Loans”

“Commercial Real Estate Construction & Development Financing”

“Operating a business in your own space provides you with more equity, more control and potential tax advantages compared to renting or leasing. We’re here to walk you through financing options for buying, building or refinancing owner-occupied real estate. Targeted purchasing or refinancing or expansion options are available for commercial real estate properties. Payment terms that work for your business with amortization schedules up to 25 years. Fixed rate options available, up to 10 years. Borrowers are encouraged to seek tax advice from your accountant. Connect with a Banker Facebook Instagram YouTube LinkedIn 800.843.1552 Back to the top Contact Us Hours & Locations Our Story Job Openings Legal Privacy Notice at Collection Do Not Sell or Share My Personal Information Benefit Notices Equal Housing Lender © First Bank & Trust Account Opening × To apply online, you must confirm you are 18 years or older AND be a U.S. citizen. Before you begin, have these items ready: Social Security number Valid identification (e.g., driver’s license) Account details from another bank to fund your new account New Customer Current Customer Already started an application? New Customers: Log in here to complete or check the status. Current Customers: Access your application in Digital Banking.”

“I Want To Finance Commercial Real Estate”

“I Want To Finance Commercial Real Estate”

“Digital Banking Username Continue Investment Real Estate Lending | First Bank & Trust FDIC-Insured - Backed by the full faith and credit of the U.S. Government Enroll in Digital Banking Forgot Username Please select your card type to continue: Gold Card Signature Card Business Card * Non-deposit products are not insured by the FDIC; are not deposits; and may lose value. Contact Back to the top”

“Digital Banking Username Continue Owner-Occupied Real Estate | First Bank & Trust FDIC-Insured - Backed by the full faith and credit of the U.S. Government Enroll in Digital Banking Forgot Username Please select your card type to continue: Gold Card Signature Card Business Card * Non-deposit products are not insured by the FDIC; are not deposits; and may lose value. Contact Back to the top”

“Targeted purchasing or refinancing or expansion options are available for commercial real estate properties.”

“Bridge Loan”

“Commercial Term Loans Learn More”

“Commercial Real Estate”

“Home Business & Commercial Business Loans Commercial Real Estate Business Loans Business Loans Commercial Real Estate”

“Construction”

“Construction-to-Permanent”

“Flexible commercial real estate loan structures to meet the timing of your repayment source”

“Flexible commercial real estate loan structures to meet the timing of your repayment source Competitive terms – fixed and variable rates available Very low fees compared to most commercial lenders Loans available from $5,000 up to $40 million Try Our Commercial Loan Calculator Try Our Commercial Loan Calculator Types of Commercial Real Estate Loans Eligibility, Requirements, Rates and Repayment Select an option Types of Commercial Real Estate Loans Eligibility, Requirements, Rates and Repayment Owner-Occupied Commercial Real Estate Loans allow you to invest in your current and future property needs. Loans are available for office spaces, warehouses, manufacturing, retail establishments, and non-profit community projects. Non-Owner Occupied Commercial Real Estate Loans allow you to acquire investment properties. Loans are available for office spaces, apartments, shopping centers, warehouses, manufacturing facilities, retail shops, churches, and other non-profit facilities. Commercial Real Estate Construction Loans are available for both owner-occupied and non-owner-occupied investment property projects. With branches strategically positioned throughout Virginia, North Carolina and Tennessee, we aim to be your “boots on the ground” to handle inspections and other financial aspects of construction. This is a critical factor in keeping the pace of construction projects. Commercial Real Estate Loans can be complex, so it's best to work with your local, experienced Commercial Lender to determine eligibility and requirements, and to get a custom quote for rate and repayment terms. Experienced, Local Partners”

“Types of Commercial Real Estate Loans”

“We ensure your commercial lending journey is worry-free and seamless. We provide life-of-loan servicing for commercial real estate clients, from customer service to payment processing. When it comes to your commercial real estate loan needs, choosing a local, experienced lender like First Bank and Trust Company can make all the difference: Local, personal support teams skilled in handling your loan, deposit, and treasury needs Consultations from a lending team that knows you and cares about your business We partner with you to facilitate the growth of your business Fast turnaround times through our local loan authorities and decision making processes Commercial Lenders Commercial Lenders”

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