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The First Bank And Trust Company
Lebanon, VA · FDIC Certificate #22918 · Chartered 08/0
Total assets
$4.28B
Total deposits
$3.82B
Total equity
$422.64M
Net loans
$3.59B
Branches (offices)
31
Net income (YTD)
$38.60M
Rank: #322 of 4,213 U.S. banks by assets · #9 of 56 in Virginia. Assets changed 6.6% and deposits 6.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.83% |
| Return on equity | 18.63% |
| Net interest margin (YTD) | 4.16% |
| Equity to assets | 9.88% |
| Tier 1 leverage ratio | 10.07% |
| Uninsured deposits (share of deposits) | 41.5% |
| Noncurrent loans (share of loans) | 0.28% |
| Net charge-offs (share of loans) | 0.22% |
| Loans to deposits | 93.9% |
| Real estate loans (share of loans) | 81.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.91B | 81.2% | |
| Commercial & industrial | $209.19M | 5.8% | |
| Consumer / individual | $135.22M | 3.8% | |
| Construction & development | $397.74M | 11.1% | |
| Agricultural | $309.77M | 8.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.96B | $2.60B | $23.83M | $278.55M |
| Jun 2023 | $3.16B | $2.78B | $25.58M | $310.65M |
| Jun 2024 | $3.60B | $3.19B | $25.71M | $343.32M |
| Jun 2025 | $4.01B | $3.57B | $30.86M | $384.08M |
| Jun 2026 | $4.28B | $3.82B | $38.60M | $422.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $3.21B | 20 |
| Tennessee | $530.47M | 7 |
| North Carolina | $72.47M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.82B.
Similar-sized banks
Civista Bank ($4.29B) · Royal Business Bank ($4.27B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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