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

884 banks in the $1B-$10B peer group nationally 24 in 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 18.68% below tier average
+ ROA 0.34% above tier average
+ Net Interest Margin 0.28% above tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 46.1% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$4.1B +5.7% YoY -1.4% QoQ	+$1.3B	$2.8B -0.1% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$3.5B +8.0% YoY +3.2% QoQ	+$1.6B	$2.0B +0.6% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	Top 14.6% in tier
Total Deposits ?	$3.7B +5.6% YoY -1.9% QoQ	+$1.3B	$2.3B -0.3% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.70% +8.7% YoY +5.1% QoQ	+0.34%	1.37% +19.6% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	4.10% +6.0% YoY +2.9% QoQ	+0.28%	3.82% +6.9% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	42.38% -6.3% YoY -4.4% QoQ	-18.68%	61.06% -4.6% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	Top 8.7% in tier
Delinquency Rate ?	0.31% -19.4% YoY -19.1% QoQ	-0.58%	0.89% +14.1% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	95.31% +2.3% YoY +5.1% QoQ	+11.11%	84.20% +0.3% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	19.58% -3.1% YoY -1.7% QoQ	-1.71%	21.29% -2.5% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	0.26% -17.1% YoY -14.8% QoQ	-0.41%	0.67% +15.6% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	67%
Tier 1 Capital Ratio ?	12.62% +1.1% YoY -0.8% QoQ	-2.54%	15.16% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.11% -13.6% YoY -77.3% QoQ	-0.15%	0.26% +1.6% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	36%

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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

#155 of 334 • Bottom 46.1% 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: 95.31%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 42.38%

Peer Median: 61.06%

#78 of 884 Top 8.7% in $1B-$10B

130

Total Loans

size

Value: $3.52B

Peer Median: $1.96B

#130 of 884 Top 14.6% in $1B-$10B

151

Total Deposits

size

Value: $3.69B

Peer Median: $2.34B

#151 of 884 Top 17.0% in $1B-$10B

169

Total Assets

size

Value: $4.15B

Peer Median: $2.82B

#169 of 884 Top 19.0% in $1B-$10B

175

Return on Assets

profitability

Value: 1.70%

Peer Median: 1.37%

#175 of 884 Top 19.7% in $1B-$10B

213

Net Interest Margin

profitability

Value: 4.10%

Peer Median: 3.82%

#213 of 884 Top 24.0% in $1B-$10B

Top Weaknesses (1 metrics)

676

Loan-to-Deposit Ratio

liquidity

Value: 95.31%

Peer Median: 84.20%

#676 of 884 Bottom 23.6% in $1B-$10B