TOGETHER, with you - let us know how we can help.

Additional funding for PPP loans is now available from the SBA .  We continue to accept and process applications for submittal to the SBA. If you are interested in applying for a PPP loan, you can learn more and apply here.  

TOGETHER, with you - let us know how we can help.

We expect to re-open all lobbies on Monday, June 8 and will be so happy to see you again.  We will be practicing CDC guidance including wearing masks and social distancing.  We encourage making appointments if you need to see a bank associate.  Our drive-thrus continue to be available during normal business hours.  

Funding for PPP loans is still  available from the SBA and we continue to accept and process applications. If you are interested in applying, you can learn more and APPLY HERE.  

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Construction Loans

You found the perfect lot, in the perfect location, and you are now ready to construct the home of your dreams. 

If you already have your permanent financing approved but need a construction loan, our experienced loan officers can help.  They will guide you through the construction process from application to final inspections.  Your construction loan typically provides for a:

  • Maximum one-year term
  • Variable-rate
  • Interest-only payments as construction progresses


OR, a better cost-saving option may be a One-Time-Close Loan offered by our subsidiary FBT Mortgage.  This loan streamlines the entire process from lot purchase, construction, and permanent financing.  The OTC Loan saves you money by avoiding the cost of up to three loan closings (lot, construction and permanent financing) by providing an approval for the entire process.  

  • One application
  • One qualifying and approval process
  • One closing and one-time closing costs
  • Potential to lock in a competitive interest rate right from the start
  • Interest-only payments during construction phase
  • Permanent financing (mortgage loan) kicks in after construction and final inspection