BlastPoint's Banking Scorecard
The First Bank and Trust Company
Community
Specialty: Agricultural
VA
FDIC cert 22918
Lebanon, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
The First Bank and Trust Company has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.31% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23% in Community
- - Liquidity Strain: Bottom 23% in Community
- - Credit Risk Growth: Bottom 25% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.2B
+10.1% YoY
+2.4% QoQ
|
+$2.8B |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$3.4B
+6.7% YoY
-0.3% QoQ
|
+$2.4B |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.8B
+10.6% YoY
+2.8% QoQ
|
+$2.6B |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.62%
+2.4% YoY
+1.4% QoQ
|
+0.46% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
3.99%
+6.8% YoY
+0.9% QoQ
|
+0.32% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
44.32%
-9.9% YoY
-1.5% QoQ
|
-18.31% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.38%
+14.9% YoY
-3.5% QoQ
|
-0.25% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
90.66%
-3.5% YoY
-3.1% QoQ
|
+7.60% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
19.92%
-3.3% YoY
-2.8% QoQ
|
-1.13% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.31%
+8.2% YoY
-6.1% QoQ
|
-0.19% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
12.71%
+3.2% YoY
+2.5% QoQ
|
+2.47% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.48%
-9.8% YoY
+29.5% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
44.32%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (3)
Credit Quality Pressure
risk
#184 of 808 · Bottom 23% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.38%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#119 of 513 · Bottom 23% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.66%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#160 of 642 · Bottom 25% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Deposits
Current: $3.8B · Tier avg: $1.2B
99
99th pctile
Total Loans
Current: $3.4B · Tier avg: $975.5M
98
98th pctile
Total Assets
Current: $4.2B · Tier avg: $1.4B
92
92th pctile
Efficiency Ratio
Current: 44.32% · Tier avg: 62.63%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.16%
69
69th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
66
66th pctile
Loan-to-Deposit Ratio
Current: 90.66% · Tier avg: 83.06%
55
55th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.63%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.71% · Tier avg: 10.24%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.92% · Tier avg: 21.05%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
Top Weaknesses
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.92% · Tier avg: 21.05%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.71% · Tier avg: 10.24%
55
55th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.63%
66
66th pctile
Loan-to-Deposit Ratio
Current: 90.66% · Tier avg: 83.06%
69
69th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.16%
92
92th pctile
Efficiency Ratio
Current: 44.32% · Tier avg: 62.63%
98
98th pctile
Total Assets
Current: $4.2B · Tier avg: $1.4B
99
99th pctile
Total Loans
Current: $3.4B · Tier avg: $975.5M
99
99th pctile
Total Deposits
Current: $3.8B · Tier avg: $1.2B