Bank · FDIC insured
First Bank & Trust Company
A $4.3B bank, the 318th largest of 4,207, headquartered in Lebanon, VA, with 29 branches in 3 states. Best rates: CDs 3.03% and savings 0.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.03%CD rates →
- Savings831.62%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Bank & Trust Company
First Bank and Trust Company is a privately held bank offering services including agricultural lending and financing.
The institution has expanded its banking services into North Carolina, where it operates as First Bank & Trust Co. of Virginia.
- Headquarters
- 359 W Main St, Lebanon, VA 24266
- FDIC certificate
- 22918 ↗
Branches
29 branches in 3 states
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Virginia
19 branches
Kingsport area · 3
- Abingdon Branch667 W Main St, Abingdon, VA 24210Directions
- East Abingdon Branch933 E Main St, Abingdon, VA 24210Directions
- East Bristol Branch1040 Valley Dr, Bristol, VA 24201Directions
Blacksburg area · 3
- Blacksburg Office2695 Prices Fork Rd, Blacksburg, VA 24060Directions
- Christiansburg Branch150 Peppers Fry Rd Ne, Christiansburg, VA 24073Directions
- Fairlawn Office7305 Peppers Ferry Blvd, Fairlawn, VA 24141Directions
Staunton area · 3
- Staunton Branch1030 Richmond Ave, Staunton, VA 24401Directions
- Verona Branch1563 Commerce Rd, Verona, VA 24482Directions
- Waynesboro Branch851 Lew Dewitt Blvd, Waynesboro, VA 22980Directions
Lebanon area · 2
- The First Bank and Trust CompanyMain office359 W Main St, Lebanon, VA 24266Directions
- East Lebanon Branch2030 E Main St, Lebanon, VA 24266Directions
Harrisonburg area · 2
- Bridgewater Branch610 N Main St, Bridgewater, VA 22812Directions
- East Harrisonburg Branch120 University Blvd, Harrisonburg, VA 22801Directions
Lynchburg area · 1
- Lynchburg Branch17011 Forest Rd, Forest, VA 24551Directions
Richmond area · 1
- Hanover Branch13221 Hanover Courthouse Rd, Hanover, VA 23069Directions
Norton area · 1
- Park Avenue Branch1026 Park Ave Nw, Norton, VA 24273Directions
Wise area · 1
- Wise Branch303 W Main St, Wise, VA 24293Directions
Woodstock area · 1
- Woodstock Branch1101 Hisey Ave, Woodstock, VA 22664Directions
Wytheville area · 1
- Wytheville Branch1290 N 4th St, Wytheville, VA 24382Directions
Tennessee
6 branches
Kingsport area · 3
- Pinnacle Branch237 Pinnacle Pkwy, Bristol, TN 37620Directions
- Volunteer Parkway Branch1314 Volunteer Pkwy, Bristol, TN 37620Directions
- Kingsport Branch1108 E Stone Dr, Kingsport, TN 37660Directions
Johnson City area · 2
- Gray Office Branch2100 Forest Dr, Gray, TN 37615Directions
- Johnson City Branch1185 N State Of Franklin Rd, Johnson City, TN 37604Directions
Morristown area · 1
- Morristown Branch148 Cold Creek Dr, Morristown, TN 37814Directions
North Carolina
4 branches
Anderson Creek area · 1
- Lillington Branch818 Mckinney Pkwy, Lillington, NC 27546Directions
Mount Airy area · 1
- Mount Airy Branch2100 Community Dr, Mount Airy, NC 27030Directions
Rocky Mount area · 1
- Red Oak Branch8315 Red Oak Boulevard, Red Oak, NC 27868Directions
Wilson area · 1
- Wilson Branch200 Forest Hills Rd Nw, Wilson, NC 27896Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.07% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.28% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.83% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $95 | $88 | — |
- CapitalLeverage ratio10.07%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.28%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.83%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$95Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Bank & Trust Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.