First National Bank & Trust Co. takes pride in its Loan Department personnel and the services they provide.  Whether your need is personal, commercial, farm or ranch, you can be assured of always receiving quality, professional, and confidential attention to your individual situation.


  • Vehicles
  • Debt Consolidation
  • Recreational Equipment
  • Personal
  • Vacations
  • Home Improvements
  • Credit Cards

To speak with a loan officer, contact the bank branch where they are located.  You can also click on their picture to send them an email.  First National Bank asks that you do not send confidential information over email such as your Social Security Number or Account Numbers.  The Bank will never request confidential information through email and we ask that you report any such requests to the bank.
Collin Ferguson
Assistant Vice President/Crosby Branch Manager

Nikki Kellel
Personal Banker

Jessica Ziebarth
Ray Branch Manager