The First Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First Bank and Trust Company of Lebanon, VA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.98% | 1.43% | +0.55% | 86th top |
| ROAE | 19.87% | 12.50% | +7.37% | 88th top |
| Net Interest Margin | 4.22% | 3.84% | +0.38% | 80th top |
| Efficiency Ratio | 37.84% | 58.89% | -21.05% | 94th top |
| PPNR / Avg Assets | 3.13% | 1.78% | +1.35% | 96th top |
| Yield on Earning Assets | 6.32% | 5.71% | +0.61% | 85th top |
| Cost of Funds | 2.28% | 2.03% | +0.25% | 31st below |
| Net Interest Spread | 3.50% | 3.18% | +0.32% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.96% | -0.59% | 67th above |
| NPA / Total Assets | 0.31% | 0.75% | -0.44% | 64th above |
| NCO / Avg Loans | 0.03% | 0.31% | -0.28% | 50th above |
| ACL / Total Loans | 1.35% | 1.25% | +0.10% | 75th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 365.37% | 699.21% | -333.84% | 75th top |
| Texas Ratio | 3.64% | 7.17% | -3.53% | 60th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 261.37% | 815.26% | -553.89% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.58% | 17.41% | -4.83% | 34th below |
| Tier 1 Ratio | 12.58% | 17.45% | -4.87% | 34th below |
| Total Capital Ratio | 13.83% | 18.51% | -4.68% | 37th below |
| Leverage Ratio | 10.07% | 11.60% | -1.53% | 38th below |
| Equity / Assets | 9.88% | 11.33% | -1.45% | 40th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.86% | 10.65% | -0.79% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.22% | 86.34% | +8.88% | 29th below |
| Core Deposit Ratio | 92.60% | 85.55% | +7.05% | 72nd above |
| Uninsured Deposit Ratio | 41.53% | 32.70% | +8.83% | 22nd bottom |
| Wholesale Funding Ratio | 0.22% | 5.46% | -5.24% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.64% | 10.46% | -3.82% | 60th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.11% | 7.99% | -1.88% | 52nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.84% | 7.98% | -1.14% | 62nd above |
See The First Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First Bank and Trust Company profile, how to read a UBPR, or how this data updates.