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 The First Bank and Trust Company
The First Bank and Trust Company
| RSSD ID 223322 | CERTIFICATE 22918 | ABA NUMBER 51404464 |
| 359 W Main St |
Quarter Ended : |
2025-12-31 |
| Lebanon, Virginia, 24266 |
Updated : |
2026-02-13 |
| www.firstbank.com |
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| Institution Profile |
| Year Opened : |
1979 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
041 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
34 |
Number of Employees : |
457 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 4,208,720 |
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Total Interest Income | 246,710 |
| Total Liabilities | 3,802,747 |
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Total NonInterest Income | 20,381 |
| Total Bank Equity Capital | 405,973 |
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Total Interest Expense | 93,849 |
| Total Deposits | 3,760,938 |
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Total NonInterest Expense | 76,778 |
| Net Loans & Leases | 3,396,693 |
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Net Income | 65,122 |
| Loan Loss Allowance | 42,593 |
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Net Charge Offs | 13,006 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 447,369 |
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Total loans | 3,446,639 |
| Total assets for the leverage ratio | 4,132,892 |
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Loans secured by real estate: | 2,866,047 |
| Tier 1 Leverage Ratio | 9.85 |
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Commercial and industrial loans | 193,866 |
| Tier 1 Capital Ratio | 12.71 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 13.97 |
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Loans to individuals - Other | 156,596 |
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:· The First Bank and Trust Company
