The First Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 2.40 percentage points in Q2 2026, from 242.16% to 239.76%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, The First Bank and Trust Company is 12th of 56 on loan-to-deposit ratio, 95.22% as of Q2 2026, above the middle of the field. The First Bank and Trust Company reported 95.22% on loan-to-deposit ratio for Q2 2026, 7.02 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.63B |
| Net loans and leases | $3.59B |
| Loans held for sale | $15.3M |
| Loans to total assets | 85.01% |
| Loan-to-deposit ratio | 95.22% |
| Net loans to equity capital | 8.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.12% |
| Multifamily (5+ residential) | 2.46% |
| Commercial and industrial | 5.76% |
| Consumer | 3.72% |
| Credit cards | 0.00% |
| Farm | 21.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 239.76% |
| Construction concentration (Tier 1 capital + allowance) | 84.13% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.73% |
| Interest income on loans | $60.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.78B | $2.76B | 23.31% | 7.48% | 3.51% |
| Q4 2023 | $2.87B | $2.93B | 22.83% | 7.15% | 3.48% |
| Q1 2024 | $2.97B | $2.99B | 23.51% | 6.78% | 3.33% |
| Q2 2024 | $3.11B | $3.19B | 22.67% | 7.45% | 3.72% |
| Q3 2024 | $3.17B | $3.26B | 24.42% | 7.36% | 4.02% |
| Q4 2024 | $3.24B | $3.40B | 23.49% | 7.07% | 4.32% |
| Q1 2025 | $3.30B | $3.49B | 23.66% | 6.64% | 4.44% |
| Q2 2025 | $3.43B | $3.57B | 22.49% | 6.30% | 4.52% |
| Q3 2025 | $3.46B | $3.66B | 22.99% | 5.88% | 4.52% |
| Q4 2025 | $3.45B | $3.76B | 21.75% | 5.73% | 4.67% |
| Q1 2026 | $3.56B | $3.69B | 22.16% | 5.77% | 4.42% |
| Q2 2026 | $3.63B | $3.82B | 22.12% | 5.76% | 3.72% |
The First Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank and Trust Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22918) · FFIEC NIC profile (RSSD 223322)