BlastPoint's Banking Scorecard

The First Bank and Trust Company

$1B-$10B Specialty: Agricultural VA FDIC cert 22918

Designations: ✓ Community bank

Lebanon, VA

35 branches across VA · TN · NC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
Deposits +6.8% year over year ($3.8B on the books).
Delinquency rate 0.29%.
Return on assets 1.83%.
Efficiency ratio 39.98% vs a 59.73% peer average.
Loan-to-deposit ratio 93.94% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 23 in VA

View $1B-$10B leaderboard (VA) →

The First Bank and Trust Company has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 19.75% below tier average
+ ROA 0.44% above tier average
+ Net Interest Margin 0.29% above tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 31.0% in tier

Get updates when The First Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$4.3B +6.6% YoY +3.1% QoQ	+$1.5B	$2.8B -0.6% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$3.6B +6.0% YoY +1.9% QoQ	+$1.6B	$2.0B -0.3% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	Top 13.9% in tier
Total Deposits ?	$3.8B +6.8% YoY +3.4% QoQ	+$1.5B	$2.3B -0.5% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	85%
Return on Assets ?	1.83% +16.4% YoY +7.6% QoQ	+0.44%	1.39% +17.0% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	4.16% +7.1% YoY +1.5% QoQ	+0.29%	3.87% +6.2% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	76%
Efficiency Ratio ?	39.98% -10.9% YoY -5.7% QoQ	-19.75%	59.73% -12.6% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	Top 7.3% in tier
Delinquency Rate ?	0.29% -49.5% YoY -6.9% QoQ	-0.58%	0.87% +11.7% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	93.94% -0.8% YoY -1.4% QoQ	+8.90%	85.04% -0.1% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	29%
Non-Interest-Bearing Deposit Share ?	19.51% -2.1% YoY -0.4% QoQ	-1.76%	21.27% -1.5% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	49%
Nonperforming Asset Ratio ?	0.24% -49.8% YoY -8.6% QoQ	-0.44%	0.67% +11.7% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	68%
Tier 1 Capital Ratio ?	12.58% +3.0% YoY -0.3% QoQ	-2.26%	14.84% -0.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.35% +35.3% YoY +216.6% QoQ	-0.18%	0.53% +2.5% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Noninterest-Bearing	19.5% -0.4pp YoY -0.1pp QoQ	-1.9pp	21.4%	26.2%	22.2%	48%
Brokered Deposits	n/a	n/a	9.5%	8.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	5.8% -0.5pp YoY 0.0pp QoQ	-8.2pp	14.0%	11.0%	12.5%	23%
CRE	36.0% -0.9pp YoY +0.3pp QoQ	-14.0pp	50.0%	46.9%	41.4%	17%
1-4 Family	23.0% +1.2pp YoY -0.1pp QoQ	-3.4pp	26.4%	32.6%	31.3%	50%
Consumer	3.8% -0.8pp YoY -0.7pp QoQ	-0.9pp	4.7%	8.0%	5.0%	77%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	12.6% +0.4pp YoY 0.0pp QoQ	-3.0pp	15.6%	17.2%	19.7%	34%
Leverage Ratio	10.1% +0.2pp YoY 0.0pp QoQ	-1.2pp	11.3%	12.2%	12.6%	38%
Total Capital Ratio	13.8% +0.4pp YoY 0.0pp QoQ	-2.9pp	16.7%	18.3%	20.8%	37%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	471 +14 (+3.1%) YoY +12 (+2.6%) QoQ	+157	313	1,956	482	82%
Assets per Employee ($)	$9.1M +3.5% YoY +0.5% QoQ	-$1.4M	$10.5M	$9.9M	$8.8M	55%
Branch Count	35 +2 (+6.1%) YoY +1 (+2.9%) QoQ	+15	20	28	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	77%
Nonaccrual	0.2% -0.2pp YoY -0.1pp QoQ	-0.6pp	0.8%	0.7%	1.0%	19%
Allowance Coverage	4.79x +114.9% YoY +21.3% QoQ	-13.92x	18.71x	9.47x	20.23x	77%
Net Charge-off Rate (YTD)	0.2% -0.1pp YoY -0.2pp QoQ	0.0pp	0.3%	0.2%	0.2%	81%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	18.6% +2.1pp YoY +1.3pp QoQ	+6.0pp	12.6%	12.0%	11.6%	87%
Cost of Funds (YTD)	2.1% -0.4pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.7%	1.7%	66%
Net Income ($, YTD)	$38.6M +25.1% YoY — QoQ	+$19.4M	$19.2M	$137.1M	$40.4M	88%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#113 of 361 • Bottom 31.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.94%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 39.98%

Peer Median: 59.73%

#66 of 885 Top 7.3% in $1B-$10B

124

Total Loans

size

Value: $3.59B

Peer Median: $1.96B

#124 of 885 Top 13.9% in $1B-$10B

138

Total Deposits

size

Value: $3.82B

Peer Median: $2.32B

#138 of 885 Top 15.5% in $1B-$10B

148

Return on Assets

profitability

Value: 1.83%

Peer Median: 1.39%

#148 of 885 Top 16.6% in $1B-$10B

161

Total Assets

size

Value: $4.28B

Peer Median: $2.79B

#161 of 885 Top 18.1% in $1B-$10B

215

Net Interest Margin

profitability

Value: 4.16%

Peer Median: 3.87%

#215 of 885 Top 24.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available