1st Trust Bank, Inc.

1st Trust Bank, Inc. is a community commercial bank headquartered in Hazard, Kentucky, serving borrowers primarily across Perry, Laurel, and Madison Counties. For small-business owners in its footprint, the bank offers a practical range of financing options including lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Its hard money lending on residential, commercial, and vacant land properties may appeal to borrowers who need asset-backed flexibility. As a local institution, 1st Trust Bank appears well suited for businesses seeking a community banking relationship rather than a national platform. Note that spoofing incidents have been reported — customers have received calls from fraudulent callers falsely representing the bank — so borrowers should verify contact details directly through the official website before sharing sensitive information. Qualification requirements such as minimum credit score, revenue, and time in business are not publicly specified, so prospective borrowers should reach out directly to discuss eligibility.