CRA Public File
First Bank & Trust Memphis’ Commitment to its Communities
At First Bank & Trust Memphis, we are committed to meeting the financial needs of our communities, including all low and moderate income and minority areas within our footprint. This is not a commitment that is taken lightly, but rather one that is at the center of our corporate value system. Creating opportunities in the communities we serve by meeting our clients’ banking needs is who we are at our core. Helping our clients achieve their financial goals is what drives us to be innovative and strategic with respect to our products and services.
We are pleased to provide this information under the Community Reinvestment Act (CRA). By providing this information online, First Bank & Trust Memphis can keep it current while providing convenient access. Below you will find each of the components of the Bank’s CRA Public File. Additionally, if you would like a paper copy of this file, please contact Steve Hall, President, at 806-259-3556 and we will be happy to provide this material to you.
CRA Public File Contents
First Bank & Trust Memphis CRA Performance Evaluation
The Bank’s most recent CRA Performance Evaluation.
First Bank & Trust Memphis Public Comments
Written comments received from the public for the current year and each of the prior two calendar years relating to the Bank’s performance in helping to meet community credit needs, and any responses.
First Bank & Trust Memphis Branch Listing
A list of the Bank’s branches, their street addresses, geographies, and hours of operation.
First Bank & Trust Memphis Opened and Closed Branches
Branches opened or closed by the Bank during the current year and each of the prior two calendar years.
First Bank & Trust Memphis Products and Services
A list of loan and deposit products and services generally offered at the Bank’s branches.
First Bank & Trust Memphis Schedule of Fees
The Bank’s current schedule of transaction fees.
First Bank & Trust Memphis Assessment Areas and Related Information
A description of each assessment area, including the geographies contained within the area.
First Bank & Trust Memphis Loan-to-Deposit Ratios
The Bank’s quarterly loan-to-deposit ratios for the current year and each quarter of the prior calendar year.
