Descrição Tar Heels might put their trust in First Trust Bank. It provides retail and commercial banking services through five locations in the North Carolina communities of Charlotte, Concord, Monroe, and Mooresville. The bank provides standard deposit services and products, including checking and savings accounts, IRAs, CDs, and debit cards. Commercial mortgages make up approximately half of First Trust Bank's loan portfolio, followed by construction and land development loans (more than a quarter) and commercial and industrial loans (about 15%). Residential mortgages, farmland loans, and personal loans round out the bank's lending activities.