The First Bank And Trust Company is a bank based in Lebanon, Virginia, established in 1979, with $4.1 billion in total assets across 35 branches. By Trust Grade it ranks 9th of 56 banks we track in Virginia. Its capital ratio of 10.0% trails most similarly sized banks (44th percentile), versus a Virginia median of 10.8%. It was profitable over the most recent period, with a 1.70% return on assets. No consumer complaints against The First Bank And Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The First Bank And Trust Company compares to Virginia peers
How we graded The First Bank And Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.0% capital ratio)
- Strongly profitable (ROA 1.70%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The First Bank And Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (35)
- 359 W Main St, Lebanon, VA 24266
- 303 W Main St, Wise, VA 24293
- 667 W Main St, Abingdon, VA 24210
- 1040 Valley Dr, Bristol, VA 24201
- 237 Pinnacle Pkwy, Bristol, TN 37620
- 933 E Main St, Abingdon, VA 24210
- 2030 E Main St, Lebanon, VA 24266
- 1026 Park Ave Nw, Norton, VA 24273
- 1314 Volunteer Pkwy, Bristol, TN 37620
- 1030 Richmond Ave, Staunton, VA 24401
- 2100 Forest Dr, Gray, TN 37615
- 1108 E Stone Dr, Kingsport, TN 37660
- 1563 Commerce Rd, Verona, VA 24482
- 1290 N 4th St, Wytheville, VA 24382
- 120 University Blvd, Harrisonburg, VA 22801
- 17011 Forest Rd, Forest, VA 24551
- 150 Peppers Fry Rd Ne, Christiansburg, VA 24073
- 851 Lew Dewitt Blvd, Waynesboro, VA 22980
- 237 Pinnacle Pkwy, Bristol, TN 37620
- 610 N Main St, Bridgewater, VA 22812
- 7305 Peppers Ferry Blvd, Fairlawn, VA 24141
- 1185 N State Of Franklin Rd, Johnson City, TN 37604
- 116 S Stewart St, Winchester, VA 22601
- 121 N Main St, Woodstock, VA 22664
- 740 Old Franklin Tpke Unit 14, Rocky Mount, VA 24151
- 3130 Chaparral Dr, Roanoke, VA 24018
- 2695 Prices Fork Rd, Blacksburg, VA 24060
- 1101 Hisey Ave, Woodstock, VA 22664
- 13221 Hanover Courthouse Rd, Hanover, VA 23069
- 8315 Red Oak Boulevard, Red Oak, NC 27868
- 818 Mckinney Pkwy, Lillington, NC 27546
- 2100 Community Dr, Mount Airy, NC 27030
- 667 W Main St, Abingdon, VA 24210
- 148 Cold Creek Dr, Morristown, TN 37814
- 200 Forest Hills Rd Nw, Wilson, NC 27896
Are deposits at The First Bank And Trust Company insured?
Yes. The First Bank And Trust Company is an FDIC-insured bank (FDIC certificate #22918). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The First Bank And Trust Company: frequently asked questions
Is The First Bank And Trust Company a good bank?
The First Bank And Trust Company earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.0% capital ratio); Strongly profitable (ROA 1.70%).
Is The First Bank And Trust Company FDIC-insured?
Yes. The First Bank And Trust Company is a FDIC-insured bank (FDIC certificate #22918). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The First Bank And Trust Company?
The First Bank And Trust Company holds $4.1 billion in total assets, ranking 9th of 56 banks we track in Virginia. It operates 35 branches.
Does The First Bank And Trust Company have CFPB complaints?
No CFPB complaints against The First Bank And Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
