Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Close Online Banking
A woman stands and fills out a form at a car dealership.
We have money to lend! See one of our Loan Officers for all your borrowing needs at one of our convenient Banking Centers. Or you can start now – just fill out the appropriate Loan Application and email it to us! You can get the latest rate information by contacting our Call Center or local Banking Center.

You will need Adobe Acrobat Reader to view the applications. If you do not have the Adobe software, you can download it here for free. 

If you need help with your application or have any questions, please feel free to Contact Us by email or phone.

Auto, Boat, R.V., & Motorcycle Loans

  • Credit is based on credit history, income, debt ratio, down payment, and banking relationship with First Bank & Trust Co.
  • Rates vary.
  • Loan terms vary according to year and model.
  • Personal Loan Application

Personal Loans

Personal Loans can be used for almost any reason – vacations, medical expenses, holiday shopping, taxes, etc. Don’t get trapped in a high interest rate payday loan – borrow from people you know and save!

Mortgage Loans

First Mortgage Primary Residence Loan
  • Purchase of a new home.
  • Refinance home.
Additional or Secondary Mortgage
  • Sometimes called a “Home Equity Loan.”
  • Can be made for any purpose.
  • Interest may be tax deductible (Please consult your tax advisor for more information).
  • Mortgage Loan Application
Click here for a helpful home loan toolkit!

Fixed Rate Mortgage Loans

Click here to apply online!

Conventional Loans
  • Down payment as low as 3% for qualified buyers.
  • Seller can pay most or all of closing cost, depending on loan size.
FHA Loans
  • Minimal down payments. 
  • Allows for seller to pay most of all of closing cost, depending on loan size.
VA Loans
  • Loan up to 100% or the purchase price/property value.
  • No monthly mortgage insurance required.
Rural Development Loans
  • 100% financing for qualified buyers.
  • This program is an excellent option for properties in small and rural communities.
First Time Home Buyers
  • Aids in down payment and closing costs, up to $5,000.00.
  • We can handle your construction to permanent financing under one roof.

Mortgage Loan Error Resolution Contact Information:

First Bank & Trust Co.
923 W Main
Duncan, OK 73533

A woman takes a credit card from a consumer to swipe.

Personal Checking

All four checking accounts include FREE- debit cards, E-Statements, mobile banking, and unlimited transactions!