First Bank & Trust received the highest rating from the Federal Reserve Bank for its most recent performance under the Community Reinvestment Act (CRA). The Act requires federally insured deposit-taking institutions to support the borrowing needs of all the communities where they do business, including low- and moderate-income areas.

 The “Outstanding” rating is based on First Bank & Trust’s performance in a variety of lending, investment and service tests. The CRA evaluation made specific references to First Bank & Trust’s excellent responsiveness to the needs of its assessment area through community development loans, investments and services.