Headquartered in Lebanon, Virginia, The First Bank and Trust Company is a state-chartered bank (fed member) with $4.3B in total assets and $3.8B in deposits as of Q2 2026. It operates 35 offices across 3 states. Its charter dates back to 1979.
Based on its Q2 2026 filing, The First Bank and Trust Company scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 31st. Its strongest component is problem-loan coverage (96/100; 2.2%), and its lowest is funding & liquidity (37/100; 94% loans-to-deposits, 42% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (66 → 72), mostly because the loan quality component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 68 |
| Q4 2024 | 68 |
| Q1 2025 | 68 |
| Q2 2025 | 66 |
| Q3 2025 | 68 |
| Q4 2025 | 69 |
| Q1 2026 | 70 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.01% |
| Q3 2024 | 9.87% |
| Q4 2024 | 9.76% |
| Q1 2025 | 9.81% |
| Q2 2025 | 9.83% |
| Q3 2025 | 9.83% |
| Q4 2025 | 9.85% |
| Q1 2026 | 10.03% |
| Q2 2026 | 10.07% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.38% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.28% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.50% |
| Q3 2024 | 1.54% |
| Q4 2024 | 1.58% |
| Q1 2025 | 1.57% |
| Q2 2025 | 1.57% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.62% |
| Q1 2026 | 1.70% |
| Q2 2026 | 1.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $4.3B | 10.07% | 0.28% | 1.83% | 93.9% |
| Q1 2026 | 70 | $4.1B | 10.03% | 0.30% | 1.70% | 95.3% |
| Q4 2025 | 69 | $4.2B | 9.85% | 0.37% | 1.62% | 90.7% |
| Q3 2025 | 68 | $4.1B | 9.83% | 0.39% | 1.60% | 93.5% |
| Q2 2025 | 66 | $4.0B | 9.83% | 0.56% | 1.57% | 94.7% |
| Q1 2025 | 68 | $3.9B | 9.81% | 0.38% | 1.57% | 93.2% |
| Q4 2024 | 68 | $3.8B | 9.76% | 0.33% | 1.58% | 94.0% |
| Q3 2024 | 68 | $3.7B | 9.87% | 0.32% | 1.54% | 96.3% |
| Q2 2024 | 67 | $3.6B | 10.01% | 0.49% | 1.50% | 96.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Primis BankBank Tappahannock, VA | 50 out of 100, Below average | $4.3B | 9.5% | 1.83% | vs |
| Carter Bank & TrustBank Martinsville, VA | 76 out of 100, Strong | $4.8B | 11.7% | 1.01% | vs |
| First Community BankBank Bluefield, VA | 75 out of 100, Strong | $3.6B | 10.2% | 0.70% | vs |
| Citizens and Farmers BankBank West Point, VA | 75 out of 100, Strong | $2.8B | 11.2% | 0.09% | vs |
| John Marshall BankBank Reston, VA | 76 out of 100, Strong | $2.4B | 12.9% | 0.01% | vs |
| FVCbankBank Fairfax, VA | 73 out of 100, Strong | $2.4B | 12.9% | 0.59% | vs |
Deposit insurance
Is my money safe at The First Bank and Trust Company?
Yes. The First Bank and Trust Company is an FDIC-insured institution (FDIC certificate #22918). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 41.5% of deposits ($1.6B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.83% (benchmark: 10%).
35 locations
Branches
The First Bank and Trust Company lists 29 offices in 26 cities across 3 states. Most locations:
- Abingdon, VA (2)
- Bristol, TN (2)
- Lebanon, VA (2)
- Blacksburg, VA (1)
- Bridgewater, VA (1)
- Bristol, VA (1)
- Christiansburg, VA (1)
- Fairlawn, VA (1)
- Forest, VA (1)
- Gray, TN (1)
- Hanover, VA (1)
- Harrisonburg, VA (1)
Identity & history
Profile
- Legal name
- The First Bank and Trust Company
- Former names
- First Russell County Bank and Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 22918
- RSSD ID
- 223322
- Primary regulator
- FED
- Holding company
- First Bcorp Inc
- Established
- August 3, 1979
- Headquarters
- 359 W Main St, Lebanon, VA 24266
- Website
- www.firstbank.com
- Employees
- 471
Quick answers
The First Bank and Trust Company: common questions
Is The First Bank and Trust Company FDIC insured?
Yes. The First Bank and Trust Company is an FDIC-insured institution (FDIC certificate #22918). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First Bank and Trust Company's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #22918 in the FDIC failed bank list.
How many branches does The First Bank and Trust Company have?
35 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Lebanon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eastman Credit UnionCredit union Kingsport, TN | 91 out of 100, Very strong | $10.2B | 14.9% | 0.31% | vs |
| Farmers and Miners BankBank Pennington Gap, VA | 89 out of 100, Very strong | $193.2M | 13.3% | 0.32% | vs |
| Lee Bank and Trust CompanyBank Pennington Gap, VA | 82 out of 100, Strong | $257.3M | 14.1% | 1.37% | vs |
| United Southeast Federal Credit UnionCredit union Bristol, TN | 78 out of 100, Strong | $256.0M | 13.5% | 0.40% | vs |
| Powell Valley National BankBank Jonesville, VA | 78 out of 100, Strong | $516.5M | 10.7% | 0.21% | vs |
| TruPoint BankBank Grundy, VA | 77 out of 100, Strong | $690.8M | 10.6% | 0.02% | vs |