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The First Bank and Trust Company
Lebanon, VA·FDIC Cert #22918·Charter: STATE·Est. 19790803.0·HC: FIRST BCORP INC
Total Assets
$4.2B
Q4 2025
Return on Assets
1.62%
+0.02%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
44.32%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.62%+0.02
ROE
16.94%+0.20
Efficiency
44.32%-0.69
Equity/Assets
0.00%+0.00
NPL Ratio
0.38%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.66%-2.86
Charge-offs
0.39%+0.09
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.5 | 1.5 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| ROE | 14.7 | 15.4 | 15.8 | 16.4 | 16.5 | 16.5 | 16.7 | 16.9 |
| Efficiency | 52.1 | 51.0 | 50.0 | 49.2 | 45.2 | 44.9 | 45.0 | 44.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.5 | 0.3 | 0.3 | 0.4 | 0.6 | 0.4 | 0.4 |
| Charge-offs | 0.0 | 0.0 | 0.2 | 0.1 | 0.3 | 0.3 | 0.3 | 0.4 |
| Loan/Deposit | 97.8 | 96.0 | 96.3 | 94.0 | 93.2 | 94.7 | 93.5 | 90.7 |
Balance Sheet
Total Assets$4.2B
Total Deposits$3.8B
Total Loans$3.4B
Total Equity$406.0M
Profitability
ROA1.62%
ROE16.94%
Efficiency Ratio44.32%
Net Income$65.1M
Risk & Asset Quality
NPL Ratio0.38%
Charge-off Rate0.39%
Loan/Deposit90.66%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans