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  <xs:element id="frbt_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" abstract="false" name="FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="frbt_NumberOfOfficeSpacesLeased" abstract="false" name="NumberOfOfficeSpacesLeased" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="frbt_LesseeOperatingLeaseNumberOfOptionsToRenew" abstract="false" name="LesseeOperatingLeaseNumberOfOptionsToRenew" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="frbt_AssetAcquisitionNumberOfLeasesAcquired" abstract="false" name="AssetAcquisitionNumberOfLeasesAcquired" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="frbt_LongTermLeaseCost" abstract="false" name="LongTermLeaseCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_OtherLeaseInformationAbstract" abstract="true" name="OtherLeaseInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="frbt_LesseeOperatingLeaseLiabilityToBePaidDueAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidDueAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_LessorOperatingLeasePaymentToBeReceivedAfterYearFour" abstract="false" name="LessorOperatingLeasePaymentToBeReceivedAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_TimeDepositsBelowFDICInsuranceLimit" abstract="false" name="TimeDepositsBelowFDICInsuranceLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_TimeDepositMaturitiesAfterYearFour" abstract="false" name="TimeDepositMaturitiesAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_PercentageOfTimeDeposits250000OrMoreToTotalTimeDeposits" abstract="false" name="PercentageOfTimeDeposits250000OrMoreToTotalTimeDeposits" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="frbt_A2021SubordinatedNotesDueIn2032Member" abstract="true" name="A2021SubordinatedNotesDueIn2032Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_OtherSubordinatedDebtDueIn2033Member" abstract="true" name="OtherSubordinatedDebtDueIn2033Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_FHLBCreditLineMember" abstract="true" name="FHLBCreditLineMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_FRBCreditLineMember" abstract="true" name="FRBCreditLineMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_UnsecuredFedFundsFacilitiesMember" abstract="true" name="UnsecuredFedFundsFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_MultiFamilyLoanMember" abstract="true" name="MultiFamilyLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_DebtInstrumentNumberOfFinancialInstitutionsAsCounterpartiesToFacilities" abstract="false" name="DebtInstrumentNumberOfFinancialInstitutionsAsCounterpartiesToFacilities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="frbt_CommonAndPreferredStockSharesAuthorized" abstract="false" name="CommonAndPreferredStockSharesAuthorized" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="frbt_AOCIBeforeTaxAttributableToParentRollForward" abstract="true" name="AOCIBeforeTaxAttributableToParentRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="frbt_AOCITaxAttributableToParentRollForward" abstract="true" name="AOCITaxAttributableToParentRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="frbt_CommercialRealEstateDevelopmentAndConstructionMember" abstract="true" name="CommercialRealEstateDevelopmentAndConstructionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_ResidentialRealEstateDevelopmentAndConstructionMember" abstract="true" name="ResidentialRealEstateDevelopmentAndConstructionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_LinesOfCreditPrimarilyBusinessLinesMember" abstract="true" name="LinesOfCreditPrimarilyBusinessLinesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_ReserveForUnfundedCommitments" abstract="false" name="ReserveForUnfundedCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_A2026PlanMember" abstract="true" name="A2026PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_A2014PlanMember" abstract="true" name="A2014PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_ConditionalOptionsMember" abstract="true" name="ConditionalOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_ShareBasedCompensationArrangementByShareBasedPaymentAwardPlanExpirationPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPlanExpirationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="frbt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueRollForward" abstract="true" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="frbt_DefinedContributionPlanEligibilityDaysAfterHireDate" abstract="false" name="DefinedContributionPlanEligibilityDaysAfterHireDate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="frbt_TrustAdministration" abstract="false" name="TrustAdministration" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_FeeIncomeOnFHAHUDOriginations" abstract="false" name="FeeIncomeOnFHAHUDOriginations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_ProgramFeeIncome" abstract="false" name="ProgramFeeIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_DepositFeeIncome" abstract="false" name="DepositFeeIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_NoninterestIncomeOtherMiscellaneous" abstract="false" name="NoninterestIncomeOtherMiscellaneous" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_ReferralFeeExpense" abstract="false" name="ReferralFeeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_OtherNoninterestExpenseMiscellaneous" abstract="false" name="OtherNoninterestExpenseMiscellaneous" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_CommonStockEquivalentsMember" abstract="true" name="CommonStockEquivalentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_NumberOfClassesOfCommonStock" abstract="false" name="NumberOfClassesOfCommonStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="frbt_BancAllianceMember" abstract="true" name="BancAllianceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_BankingRegulationCBLRApproachMember" abstract="true" name="BankingRegulationCBLRApproachMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_LoansHeldForSaleMember" abstract="true" name="LoansHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_LoansHeldForInvestmentMember" abstract="true" name="LoansHeldForInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_MeasurementInputMarketPremiumDiscountMember" abstract="true" name="MeasurementInputMarketPremiumDiscountMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_MeasurementInputDiscountForRiskOfNonPaymentMember" abstract="true" name="MeasurementInputDiscountForRiskOfNonPaymentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_LoansReceivableMeasurementInput" abstract="false" name="LoansReceivableMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="frbt_CollateralDependentLoansMember" abstract="true" name="CollateralDependentLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_ImpairedLoansMember" abstract="true" name="ImpairedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_ImpairedFinancingReceivableMember" abstract="true" name="ImpairedFinancingReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_OtherRealEstateFairValueValuationAdjustments" abstract="false" name="OtherRealEstateFairValueValuationAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_FinancingReceivableHeldForSaleAtFairValueMember" abstract="true" name="FinancingReceivableHeldForSaleAtFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_FinancingReceivableHeldForSaleAtLowerOfCostOrFairValueMember" abstract="true" name="FinancingReceivableHeldForSaleAtLowerOfCostOrFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_FinancingReceivableHeldForInvestmentAtFairValueMember" abstract="true" name="FinancingReceivableHeldForInvestmentAtFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_FinancingReceivableHeldForInvestmentAtAmortizedCostMember" abstract="true" name="FinancingReceivableHeldForInvestmentAtAmortizedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_OtherDepositsMember" abstract="true" name="OtherDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="frbt_CashCashEquivalentsAndRestrictedCashFairValueDisclosure" abstract="false" name="CashCashEquivalentsAndRestrictedCashFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_OtherEarningAssetsFairValueDisclosure" abstract="false" name="OtherEarningAssetsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="frbt_AccruedInterestReceivableFairValueDisclosure" abstract="false" name="AccruedInterestReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
