First Bank & Trust


9816 Slide Rd
Lubbock, TX 79424
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Bank & Trust is an FDIC insured institution located in Lubbock, TX. It was founded in 1934 and has approximately $2.88 billion in assets. Customers can open an account at one of its 9 branches.

FDIC Insured Yes
FDIC Certificate # 14778
Date Established 1934
Assets $ 2.88 billion
Loans $ 1,521.37 million
Deposits $ 2.36 billion
Capital $ 463.37 million

For a more detailed analysis of First Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.475% 3.375%
0.75 points
$3,125 fees
$1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to First Bank & Trust
To upload and update your bank's rates please register. It is free to register and add rates.


First Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

First Bank & Trust Locations

Climate Initiatives

First Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

First Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Bank & Trust. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Bank & Trust U.S. Bank Average
3.1% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, First Bank & Trust had $15,042,000 in non-current loans and $40,000 in owned real estate. To cover these potential losses it had $463,367,000 in equity and $22,697,000 in loans loss reserves. That gives it a Texas Ratio of 3.1%.

Return on Equity
First Bank & Trust U.S. Bank Average
7.51% 11.29%

First Bank & Trust has a Return on Equity of 7.51% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

First Bank & Trust U.S. Bank Average
16.07% 11.72%

First Bank & Trust has a Capitalization of 16.07% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Bank & Trust Balance Sheet Analysis

As of June 30, 2021, First Bank & Trust had assets of $2,882,969,000, loans of $1,521,365,000, and deposits of $2,361,391,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 37.72 million
Interest-bearing balances $ 5.30 million
Total securities $ 1,004.11 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,521.37 million
Loan loss allowance $ 22.70 million
Trading account assets $ 1.18 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.04 million
Goodwill and other intangibles $ 213.07 million
All other assets $ 60.08 million
     Total Assets $ 2.42 billion
Total deposits $ 2.36 billion
      Interest-bearing deposits $ 1,610.81 million
      Deposits held in domestic offices $ 2.36 billion
      % insured (estimated) 48.86%
Federal funds purchased and repurchase agreements $ 41.18 million
Trading liabilities $ 1.18 million
Other borrowed funds $ 2.71 million
Subordinated debt N.A.
All other liabilities $ 13.15 million
      Total Liabilities $ 2.42 billion
      Shareholders’ Equity $ 463.37 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 50.90 million
Total Interest Expense $ 2.43 million
Net interest income $ 48.47 million
Provision for loan and lease losses N.A.
Total non interest income $ 17.46 million
Total non interest expense $ 45.21 million
Pre-tax Net Operating Income $ 23.42 million

Bank Loan Profile?

The top three loan types in First Bank & Trust’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, First Bank & Trust’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.89
Credit Card Loans 0.12
Consumer Auto Loans 0.47
Small Business Loans 9.02
Construction and Development Loans 11.03
Commercial Real Estate 32.51
Commercial and Industrial Loans 22.08
Farm Loans 5.35

Frequently Asked Questions About First Bank & Trust

Branches and Savings

Is First Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #14778.

Why does First Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Bank & Trust a commercial bank?


Where are First Bank & Trust locations?

See branch locations nearby.

Is First Bank & Trust open on Saturdays?

Is First Bank & Trust open on Sundays?

What time does First Bank & Trust open?

What time does First Bank & Trust close?

Are First Bank & Trust ATMs Open 24/7?

Do First Bank & Trust ATMs accept cash deposits?

Can First Bank & Trust customers use other ATMs?

Do First Bank & Trust branches have notaries?

Will First Bank & Trust notarize my document?

What address for First Bank & Trust should I put for incoming ACH transfers?

Will the First Bank & Trust branch print checks?

Do First Bank & Trust checks expire?

Does First Bank & Trust require US citizenship to open account?

Can First Bank & Trust close my account?

Does First Bank & Trust Report to credit bureaus?

Does First Bank & Trust Use Equifax?

What is First Bank & Trust's ACH Routing Number?

What is First Bank & Trust's SWIFT code?


Does First Bank & Trust offer mortgages?

Compare mortgage rates here.

Does First Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Bank & Trust offer personal loans?

Compare personal loan rates here.

Does First Bank & Trust offer student loans?

Will First Bank & Trust cash a check?

Will First Bank & Trust redeem a savings bond?

Does First Bank & Trust cash savings bonds?

Will First Bank & Trust cash money orders?

Can First Bank & Trust issue a money order?

Does First Bank & Trust do currency exchange?

Background on The Bank

Who owns First Bank & Trust?

How long has First Bank & Trust been around?

Can First Bank & Trust transfer to other banks?

Does First Bank & Trust have quick pay?

Does First Bank & Trust accept rolled coins?

Will First Bank & Trust accept loose change?

Where is First Bank & Trust headquarters?

Customer Reviews for First Bank & Trust

There are currently no comments for First Bank & Trust. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →