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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 : |
2025-09-30 |
| Lebanon, Virginia, 24266 |
Updated : |
2025-10-28 |
| 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 : |
460 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 4,110,880 |
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Total Interest Income | 182,902 |
| Total Liabilities | 3,716,070 |
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Total NonInterest Income | 15,370 |
| Total Bank Equity Capital | 394,810 |
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Total Interest Expense | 70,674 |
| Total Deposits | 3,657,812 |
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Total NonInterest Expense | 57,436 |
| Net Loans & Leases | 3,406,384 |
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Net Income | 47,598 |
| Loan Loss Allowance | 42,890 |
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Net Charge Offs | 7,461 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 436,581 |
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Total loans | 3,441,906 |
| Total assets for the leverage ratio | 4,034,160 |
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Loans secured by real estate: | 2,834,297 |
| Tier 1 Leverage Ratio | 9.83 |
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Commercial and industrial loans | 204,808 |
| Tier 1 Capital Ratio | 12.41 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 13.66 |
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Loans to individuals - Other | 156,715 |
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:· The First Bank and Trust Company
