First Bank&Trust Co (FDIC #22918): Bank Stress & Real-Estate Credit Exposure
First Bank&Trust Co (FDIC Cert #22918): bank stress 54/100, moderate, STABLE over 7 days; parent FIRST BCORP INC.
First Bank&Trust Co (#22918) lends in 22 counties across 3 states; First Bank&Trust Co (#22918) reaches 208 ZIP codes: Virginia 15 counties, 126 ZIPs; North Carolina 4 counties, 55 ZIPs; Tennessee 3 counties, 27 ZIPs.
First Bank&Trust Co (#22918) largest markets: Rockingham County, VA (22 branches, 22 ZIPs) (#22918), Bedford County, VA (19 branches, 19 ZIPs) (#22918), Harnett County, NC (18 branches, 18 ZIPs) (#22918), Wilson County, NC (17 branches, 17 ZIPs) (#22918), Nash County, NC (15 branches, 15 ZIPs) (#22918), Shenandoah County, VA (15 branches, 15 ZIPs) (#22918).
First Bank&Trust Co (#22918) reports $4.28 billion in total assets; First Bank&Trust Co (#22918) equity $422.6 million (9.9% of First Bank&Trust Co (#22918) assets); First Bank&Trust Co (#22918) domestic deposits $3.82 billion; First Bank&Trust Co (#22918) net income $38.6 million; First Bank&Trust Co (#22918) return on assets 1.83%; First Bank&Trust Co (#22918) return on equity 18.63%; First Bank&Trust Co (#22918) net interest income $83.8 million; First Bank&Trust Co (#22918) call report June 30, 2026.
First Bank&Trust Co (#22918) noncurrent real-estate loans: none reported; First Bank&Trust Co (#22918) net charge-offs on real estate 0.13%; First Bank&Trust Co (#22918) residential charge-offs 0.09%.
First Bank&Trust Co (#22918) net interest margin 4.16% against an eight-quarter First Bank&Trust Co (#22918) average of 3.92% (First Bank&Trust Co (#22918) compression -0.24 points); First Bank&Trust Co (#22918) real-estate loans 0.2% of equity; First Bank&Trust Co (#22918) non-residential real estate 9.1% of equity; First Bank&Trust Co (#22918) rate-exposure score 40/100, First Bank&Trust Co (#22918) fixed-rate trap 40/100; First Bank&Trust Co (#22918) risk type credit driven; First Bank&Trust Co (#22918) rate regime rates elevated, First Bank&Trust Co (#22918) snapshot October 20, 2026.
First Bank&Trust Co (#22918) stress score moved from 55.2 on June 22, 2026 to 54.3 on October 20, 2026; First Bank&Trust Co (#22918) ranged 54.3 to 55.2 over 117 snapshots.
First Bank&Trust Co (#22918) alerts: 22 counties; top First Bank&Trust Co (#22918) alert scores: Wise County, VA 46 (moderate); Norton County, VA 40 (moderate); Waynesboro County, VA 39 (moderate); Radford County, VA 38 (moderate); Harrisonburg County, VA 35 (low).