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“John Berghorst Chief Lending Officer Nathan Bowker Senior Vice President Marcus Frye Senior Vice President Regina Hirn Senior Vice President Vincent Laughlin Senior Vice President Marc Zisook Senior Vice President”

“Whether you are building, buying or refinancing your commercial properties, we can assist you with competitively priced, fixed or variable rate loans. As a privately owned local bank, First Bank has remained a consistent and steady financial partner through good and bad economies. Our seasoned bankers have been empowered with the authority and flexibility to approve and fund loans quickly. The added benefit of working with an experienced banker, from application to closing, translates to in-house decision-making without bureaucracy and red tape. ”

“Acquisition Loans Refinancing Construction Loans Rehab Loans ”

“Competitive rates that allow you to dream big Flexible terms that won’t alter your budget Local, decision-making and processing Details A wide range of terms customized to your commercial needs Choose from fixed and adjustable rates Experienced Lenders who can guide and advise you through the process Construction financing options for Development Land Single Family Homes Commercial Properties All loans subject to application and credit approval. First Bank Kansas is an Equal Housing Lender. NMLS #528128 Apply Now Questions? Kasasa Cash Calculator Disclaimer Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards. What is your average checking account balance? $ What funds from other accounts could you add to earn more money? $ How many times a month do you use another financial institution's ATM?** # Estimated Annual Rewards $0 Estimated monthly interest earned* $0 Monthly ATM fees refunded** $0 Learn More Questions *Qualifications, limits and other requirements may apply. See details for more info. **The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25 . Buy vs. Lease Calculator Disclaimer This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios. 1. Vehicle Info What is the purchase price? $ What is your down payment/trade-in value? $ What is the sales tax rate? % 2. Loan Details What is the interest rate? % How long is the loan term (in months)? # Any other fees ? $ Annual depreciation % 3. Lease Details What is the interest rate? % How long is the lease term (in months)? # Additional fees $ What is the lease residual value ? % Net cost of buying $0 Net cost of leasing $0 Learn More Questions CD Calculator Disclaimer A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started. What is your initial deposit? $ What is the term length (in months)? # What is the interest rate? % What is the compounding interval? Daily Monthly Quarterly Semi-annually Annually Total value at maturity $0 Total interest earned $0 Annual Percentage Yield (APY) 0.000% Learn More Questions Savings Goal Calculator Disclaimer Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month. How much do you want to save? $ How many months will you be saving for this goal? # What is the interest rate? % How much of an initial deposit can you get started with? $ Monthly deposit needed to reach goal $0 Learn More Questions Simple Loan Calculator Disclaimer This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers”

“Construction financing options for Development Land”

“Get quick financing to fund offices, retail spaces, or industrial units. Apply Now”

“Easy-to-use online financial calculators designedto help you manage your money today and planfor the future. Learn more >”

“Romance Scams: Protecting Yourself from Emotional and Financial Fraud Learn more >”

“Vice President, Commercial Relationship Manager With over 35 years of lending experience, Bob has spent the past decade specializing in commercial lending, advising business owners and real estate investors across Central Ohio. He builds lasting relationships by helping clients explore loan options and feel confident through every step of the process. 1 Subject to credit approval.”

“Senior Vice President Christine specializes in all manner of commercial real estate financing, including multi-family, retail, industrial, office, and construction lending, and offers a keen insight of the Central Ohio market having served as a commercial banker for 25 years, as well as a commercial real estate appraiser.”

“Commercial Real Estate”

“Senior Vice President Dani is a 20-year veteran of the banking industry with her last 15 years focused on commercial lending. As a commercial loan officer at FBCO, she has established a common-sense approach to lending that customers appreciate and builds long-lasting relationships.”

“5065 Forest Dr., Suite 100 New Albany, OH. 43054 (380) 246-7278 © 2026, First Bank of Central Ohio by Commit Creative Privacy Notice Security Statement Terms of Use Disclosures NMLS #2140838 close Rates Contact Login Personal Banking Services Checking Savings Certificates of Deposit Zelle Online & Mobile Banking Other Services Lending Options Home Mortgage Home Equity Line of Credit Business Banking Services Business Checking Business Savings Business Credit Cards Zelle® Small Business Online & Mobile Banking Other Services Lending Options Business Line of Credit Commercial Installment Loans Commercial Real Estate (CRE) Financing Commercial Land Acquisition & Development Small Business Administration (SBA) Loans SBA Specialties Property Management Commercial Real Estate Medical & Dental Practices Testimonials About Board of Directors Staff Careers Resources”

“We manage every aspect of commercial property financing 1 —from acquisition and development to refinancing and rehabilitation. Our focus is on delivering lasting value through smart strategy, efficient execution, and tailored solutions.”

“Construction Business Loans”

“I cannot say enough positive things about my experience working with Eric as my SBA loan officer. From start to finish, he provided exceptional service and went above and beyond to ensure that every issue we encountered was resolved quickly and efficiently. — Bryan Crowe”

“The First Bank of Lake was very responsive to any questions that I had and was easy to work with throughout the process. They definitely made things feel like a partnership. And that has extended to the loan servicing phase as well. I would definitely recommend them, and I have. — Joe Holland”

“First Bank of the Lake was a tremendous help in securing a 504 small business loan for my company. Every staff member I interacted with was professional, friendly, and genuinely interested in helping my business succeed. — Don Kamb”

“Don’t settle for low rates. Lock in a great rate today! * Click here for more info! Open Now  Ranked a Top 3 SBA franchise lender^  +$600 million franchise loans funded  +$2 billion in SBA loans since 2020  +2,000 SBA loans funded since 2020”

“Business Financing Business Loans for Veterans Buy a Business Commercial Real Estate Construction Loans Debt Refinancing Equipment Financing ESOP Financing ETA Loans Franchise Loans Location Expansion M&A Financing Partner Buyout Loan Startup Business Loans Working Capital Loan Other Funds Usage Business Financing Business Loans for Veterans Buy a Business Commercial Real Estate Construction Loans Debt Refinancing Equipment Financing ESOP Financing ETA Loans Franchise Loans Location Expansion M&A Financing Partner Buyout Loan Startup Business Loans Working Capital Loan Other Funds Usage Learn More”

“Industries MAIN INDUSTRIES FOR SBA LOANS Architecture & Engineering Loans Childcare Business Loans Chiropractor Office Loans Commercial Real Estate Loans Construction Business Loans Dental Practice Loans Financial Services Business Loans Gym Loans Hospital Loans Hotel Loans IT & Tech Business Loans Legal Business Loans Manufacturing Business Loans Medical Business Loans Optometry Practice Loans Professional Services Loans Restaurant Loans Retail Store Loans Private School Business Loans Veterinarian Loans Other Industries View All Industries FIND OUT THE TOP WAYS SBA LOAN CAN BE USED SBA loans can be used for almost any legal purpose from buying a business to purchasing equipment to partner buyouts and ESOPs.”

“$400K SBA Loan See All Case Studies”

“Loan Usage LOAN USAGE Business Financing Business Loans for Veterans Buy a Business Commercial Real Estate Financing Construction Loans Debt Refinancing Equipment Financing ESOP Financing ETA Loans Franchise Loans Location Expansion M&A Financing Partner Buyout Loan Startup Business Loans Working Capital Loan Other Loan Usages View All Loan Usages WE HAVE MADE $1.1B IN LOANS TO 40 INDUSTRIES SBA loans can be used for dozens of industries from manufacturing to medical to moving companies. Talk to an SBA loan expert and get your questions answered.”

“Senior Executive Vice President, President of Fintech Banking Loan Products SBA Loans Franchise Loans Buy a Business Loan SBA 7a Loans SBA 504 Loans SBA Working Capital Loans USDA Loans Resources How-To Loan Guides SBA Loan Data Client Case Studies Loans By Industry Loan Usage ePubs & White Papers Articles Business Products Consumer Products All Resources Loan Usage Business Financing Business Loans for Veterans Buy a Business Commercial Real Estate Financing Construction Loans Debt Refinancing Equipment Financing ESOP Financing ETA Loans Franchise Loans Location Expansion M&A Financing Partner Buyout Loan Startup Business Loans Working Capital Loan Other Loan Usages Loans By Industry Architecture & Engineering Loans Childcare Business Loans Chiropractor Office Loans Commercial Real Estate Loans Construction Business Loans Dental Practice Loans Financial Services Business Loans Gym Loans Hospital Loans Hotel Loans IT & Tech Business Loans Legal Business Loans Manufacturing Business Loans Medical Business Loans Optometry Practice Loans Professional Services Loans Restaurant Loans Retail Store Loans Private School Business Loans Veterinarian Loans Other Industries Business Products All Services Best CD Rates Business Checking Small Bus Adv Checking CDs Business Savings Business Money Market Calculators How to Use Banking Apps Financial Education Consumer Products All Services Best CD Rates Personal Checking Personal Savings Personal Money Market CDs Open Online Account Calculators How to Use Banking Apps Financial Education Company About Us Leadership CEO’s Message Why Us News Locations History Join Our Team Site Map Contact Us Disclosures Privacy Notice USA Patriot Act Notice Routing Number Terms of Use Security Member FDIC © 2026 First Bank of the Lake © 2026 First Bank of the Lake ^Ranked in top 1% as 15th largest SBA 7(a) lender by approval amount since 2023. Ranked 3rd most active SBA Franchise lender since 2023, (by lending volume) by the U.S. Small Business Administration. All loans are subject to credit approval. Restrictions and limitations may apply. First Bank of the Lake does not provide tax, legal, or investment advice. All decisions concerning these matters should be made in conjunction with your professional advisors. First Bank of the Lake (“Bank”) does not provide financial, investment, tax, legal, or accounting advice. The content provided is for informational purposes only and should not be relied upon or considered as an express or implied recommendation, warranty, guarantee, offer, or promise. You should consult your own financial, investment, tax, legal, and accounting advisors before engaging in any transaction. Information provided is not exhaustive and is subject to change without notice. Accuracy is not guaranteed. Outlooks and past performance are not guarantees of future results. Articles may contain information from third-parties, and the inclusion of such information does not imply an affiliation with the Bank or”

“Stacey was a pleasure to work with! She was very knowledgeable and responsive - helping us close on our SBA loan faster than expected! I would highly recommend working with her. — Megan Dean”