Commercial. Residential. Recreational.

Since 1886.

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Commercial Real Estate

  • Construction and Permanent
  • Floating & Fixed Rate Options
  • Multiple Property Types

Residential Construction & Development

  • New Construction
  • Subdivision Development
  • Lot Financing



Recreational & Agricultural Financing

  • Farm Loans
  • Hunting Clubs
  • Stock/Membership Loans

Since 1886.

Real estate isn't just something you purchase or develop or desire. It's something you appreciate and respect and know. With real estate, there's no grey area. You either know it or you don't. Clients depend on us because we know real estate in the Mid-South.

Always have.

On behalf of First National Bank and Trust and our parent company, First National Bank of Eastern Arkansas, Welcome.

our team.


Brooks Winchester

Senior Vice President

Brooks is responsible for the management of the First National Bank and Trust office in Memphis. In his role, Brooks manages client relationships and spends a major portion of his time arranging financing for commercial real estate and residential construction projects. In addition, Brooks assists his clients with many of their private banking needs.

A graduate of the University of Mississippi and member of the Memphis chapter of Lamda Alpha International (Land Economics Society), Brooks has been an executive in the city’s financial community since 2003.

When not coaching his children’s athletic teams, you can find Brooks in a duck blind or exploring the great outdoors.


Nick Sutton

Senior Vice President

Nick has been a key member of the First National Bank and Trust team since 2013, helping clients fund commercial, residential and agricultural projects. He also works with clients on personal real estate and private banking loans.

A veteran of the business since 2000, Nick is a member of Lamda Alpha International, ASU Mid-South Foundation Board and the Marion Rotary Club.

An avid outdoorsman, when Nick is not helping a client develop their next project, it’s a sure bet he is with his family somewhere out in the woods or on the golf course.


Vickie Baltz

Commercial Loan Administrator

Vickie brings more than 20 years of mortgage, commercial real estate and banking experience to her position at First National Bank and Trust.

As administrator of all loans generated within the Memphis office, Vickie makes sure the client experience is a smooth and timely process.

A proud alumna of the University of Memphis and avid Tiger fan, Vickie enjoys spending time with family and friends and is passionate about traveling.


Angie Gibbs

Client Service Representative

Angie leads the First National Bank and Trust Client Service Team in Memphis. She has been with the bank for the past seven years -- helping our clients with virtually all of their retail banking needs.

Along with bringing a dozen years of client services professionalism to her job, Angie brings a special commitment to our customers and the Memphis community.

When Angie isn’t ensuring the First National Bank and Trust experience is best in class, she enjoys time with her husband, their dogs and the latest mystery novel.


775 Ridge Lake Blvd, Suite 140, Memphis, TN 38120