The First Bank and Trust Company
Lebanon, VA
IDRSSD: 223322
Total Assets
$4.11B
Latest filing
Total Deposits
$3.66B
Latest filing
Net Interest Margin
4.07%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First Bank and Trust Company
359 W Main St
Lebanon, VA 24266
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/03/1979FDIC Certificate 16025
Branches (33)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| The First Bank and Trust Company (Main) | 359 W Main St | Lebanon, VA |
| WISE BRANCH | 303 W Main St | Wise, VA |
| ABINGDON BRANCH | 667 W Main St | Abingdon, VA |
| EAST BRISTOL BRANCH | 1040 Valley Dr | Bristol, VA |
| PINNACLE BRANCH | 237 Pinnacle Pkwy | Bristol, TN |
| EAST ABINGDON BRANCH | 933 E Main St | Abingdon, VA |
| EAST LEBANON BRANCH | 2030 E Main St | Lebanon, VA |
| PARK AVENUE BRANCH | 1026 Park Ave Nw | Norton, VA |
Showing 7 of 33
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 08/03/1979 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 24266 |
| State and County Number | 51167 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 457 |
| Domestic Offices | 33 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/03/1979 |
| Primary Insurance Agency | DIF |
| Website | www.firstbank.com |
| Data Updated | 11/14/2025 |
| CERT | 22918 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.11B |
| Total Deposits | $3.66B |
| Total Liabilities | $3.72B |
| Total Equity Capital | $394.81M |
| Net Income | $16.74M |
| Net Loans and Leases | $3.42B |
| Assets Per Employee ($Millions) | $8.94M |
| Bank Premises and Fixed Assets | $46.62M |
| Cash and Balances due from Depository Institutions | $467.32M |
| Deposits Held in Domestic Offices | $3.66B |
Key Performance Ratios
| Return on Assets (ROA) | 1.65% |
| Return on Equity (ROE) | 17.2% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 45.3% |
| Tier 1 Risk-Based Capital Ratio | 12.406% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.3% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.604% |
| Earning Assets to total Assets | 95.52% |
Income and Expense
| Total Interest Income | $63.79M |
| Total Noninterest Income | $5.06M |
| Total Interest Expense | $24.29M |
| Total Noninterest Expense | $20.18M |
| Net Interest Income | $39.49M |
| Pre-tax Net Operating Income | $21.29M |
| Provision for Credit Losses | $3.09M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $23.94M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $34.32M |
| Total Liabilities and Capital | $4.11B |
Securities
| Securities | $62.52M |
| Available-for-sale debt securities | $62.52M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First Bank and Trust Company?
$4.11B as of the latest filing.
How much are The First Bank and Trust Company's total deposits?
$3.66B in total deposits.
Where is The First Bank and Trust Company located?
Lebanon, VA.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
33.
When was it established?
08/03/1979.
What is the Return on Assets (ROA)?
1.65%.
How much are total loans and leases?
$3.42B (latest filing).
What is the total interest income (latest filing)?
$63.79M.