First Bank and Trust Company, The
Lebanon, VA · Cert 22918 · Peer group: banks $1B-$10B in assets (n=322-328) · First Bcorp Inc.
State charter, Fed member · FED · 31 branches
Q2 2026
$4.3BAssets
$3.6BLoans
$3.8BDeposits
$422.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of banks $1B-$10B in assets (rank 18 of 328).
- Widest gap: net charge-offs / loans trails 75% of banks $1B-$10B in assets (rank 244 of 322).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.81%
Rank 39 of 328
Net Interest Margin
3.98%
Rank 60 of 328
Efficiency Ratio
39.98%
Rank 18 of 328
Equity / Assets
9.88%
Rank 189 of 328
Non-interest income vs. expense
Unfavorable gap of $49.1M · efficiency ratio beats 95% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.81% | 0.91% | 1.22% | 1.52% | Beats 88% | 39 / 328 | |
| Return on Equity | 18.27% | 8.43% | 11.45% | 14.43% | Beats 91% | 31 / 328 | |
| Net Interest Margin | 3.98% | 3.03% | 3.45% | 3.83% | Beats 82% | 60 / 328 | |
| Efficiency Ratio | 39.98% | 51.61% | 59.56% | 67.53% | Beats 95% | 18 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.24% | 0.51% | 1.03% | Beats 70% | 98 / 322 | |
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.03% | 0.10% | Beats 25% | 244 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.58% | 11.75% | 13.15% | 15.47% | Beats 41% | 192 / 328 | |
| Total Risk-Based Capital Ratio | 13.83% | 12.63% | 14.15% | 16.46% | Beats 46% | 177 / 328 | |
| Equity / Assets | 9.88% | 9.15% | 10.33% | 12.01% | Beats 42% | 189 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 95.22% | 76.63% | 87.92% | 95.36% | 74th pctl | 82 / 323 | |
| Loans / Assets | 85.01% | 65.18% | 74.15% | 79.98% | 91st pctl | 28 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |