FDIC Cert #22918 · Lebanon, Virginia · Est. 1979

The First Bank and Trust Company - FDIC Bank Health Profile

A community-scale look at The First Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$4.2B
Total assets
A
Health grade · Excellent
1.62%
Return on assets
12.7%
Tier 1 capital

Data updated July 2026

The verdict

The First Bank and Trust Company earns a PlainBankData health grade of A (95/100), with well-capitalized at 12.71% Tier 1, profitable at 1.62% ROA, efficient (44% cost ratio).

#328
largest of 4,313 FDIC banks by assets
92nd
percentile by asset size, nationally
12.71%
Tier 1 ratio - above the 10% well-capitalized line
79th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 22918 · VA A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #325/4307
  • PHOTO-FINISH Putnam County State… · MO
  • TIER1-WELL 12.7% Tier 1
  • TEXAS-CLEAN 2.9% Texas
  • ROA-STRONG 1.62% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Virginia: Putnam County State Bank, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The First Bank and Trust Company

Lowest and highest poles plus nearest scored peers outside Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Central National Bank · TX ·…95/100Commercial Bank · TN · near95/100First Jackson Bank,… · AL · …95/100Putnam County State… · MO · …95/100The First Bank and T… · VA ·…95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First Bank and Trust Company · July 2026

What The First Bank and Trust Company's Call Report plate shows

The First Bank and Trust Company (FDIC Cert #22918) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #325 of 4,307. Tier 1 capital prints at 12.71%, clearing the 10% well-capitalized line. The Texas Ratio is 2.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.62%. Balance-sheet scale is $4.2B, 328th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Putnam County State Bank (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The First Bank and Trust Company

5 FAILURE resolutions in Virginia since 2000 (5 since 2008)

The First Bank and Trust Company's home state sits in the middle band of post-2000 FAILURE counts (5; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The First Bank and Trust Company remains an active FDIC-insured reporter.

  • MILLENNIUM BANK, NATIONAL ASSOCIATION STERLING, VA 2014 → WASHINGTONFIRST BANK
  • BANK OF THE COMMONWEALTH NORFOLK, VA 2011 → SOUTHERN BANK AND TRUST COMPANY
  • VIRGINIA BUSINESS BANK RICHMOND, VA 2011 → XENITH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Virginia banks.

How The First Bank and Trust Company's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10095/100
The First Bank and Trust Company's composite health score
Tier 1 Capital Ratio (12.71%) 35/40
Return on Assets (ROA) (1.62%) 25/25
Texas Ratio (2.88%) 20/20
Efficiency Ratio (44.32%) 15/15

95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$4.2B

Total balance-sheet footings

Total Deposits

$3.8B

Customer-funded liabilities

Net Loans

$3.4B

Outstanding loan book

Net Income

$65M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.31% 12.71% 14.11%
Basel III capital ratios - The First Bank and Trust Company

Where The First Bank and Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First Bank and Trust Company's score of 95/100 falls in the highlighted band.

The First Bank and Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 8% higher than 92% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. The First Bank and Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The First Bank and Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The First Bank and Trust Company's $4.2B falls in the highlighted band.

Safety ratios for The First Bank and Trust Company

Tier 1 capital ratio
Well-capitalized 10%

12.71% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.71%
Texas Ratio
2.88%
Equity Capital
$406M

What these ratios mean →

Earnings posture at The First Bank and Trust Company

Return on Assets (ROA)
79th percentile nationally
1.62%
Return on Equity (ROE)
16.94%
Efficiency Ratio
44.32%

What these mean →

Income & expense at The First Bank and Trust Company

$247M
Interest Income
$20M
Non-Interest Income
$77M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First Bank and Trust Company reports a Texas Ratio of 2.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First Bank and Trust Company on FDIC BankFind →

Top banks in Virginia by total assets

Largest banks headquartered in Virginia
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  3. 3
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  4. 4
    United Bank $33.5B

    Fairfax, VA · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

Top 5 banks in Virginia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($4.2B here), outside Virginia so the neighborhood is not state containment.

Royal Business Bank $4.2B · CA First PREMIER Bank $4.2B · SD West Bank $4.1B · IA First Federal Bank $4.3B · FL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First Bank and Trust Company (FDIC Cert #22918) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The First Bank and Trust Company Call Report profile · FDIC Failed Bank List · Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Virginia

All Virginia banks →
BankAssetsGradeROA
Capital One, National AssociationMclean $658.5B B 0.55%
HSBC Bank USA, National AssociationTysons $165.3B A 0.92%
Atlantic Union BankRichmond City $37.5B A 0.99%
United BankFairfax $33.5B A 1.50%
TowneBankPortsmouth $19.7B B 0.90%
Burke & Herbert Bank & Trust CompanyAlexandria $7.9B A 1.69%
Carter Bank & TrustMartinsville $4.8B D 0.72%
Primis BankTappahannock $4.0B B 1.13%