Applications / Mortgage Analytics / Lenders / Virginia / The First Bank and Trust Company / Competition
The First Bank and Trust Company
Lebanon, VA · State member bank · FRS · $4.2 billion assets · 1,029 loans in 2025
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1,029
loans originated, 2025
1,234
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Who The First Bank and Trust Company competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — KINGSPORT-BRISTOL, TN-VA, 2025
The First Bank and Trust Company ranks 5th of 324 lenders in Kingsport-Bristol, TN-VA, with $47.9M lent: 3.1% of a $1.54B market.
Kingsport-Bristol, TN-VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The First Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — LYNCHBURG, VA, 2025
The First Bank and Trust Company ranks 11th of 329 lenders in Lynchburg, VA, with $30.6M lent: 1.7% of a $1.79B market.
Lynchburg, VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The First Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO VIRGINIA, 2025
The First Bank and Trust Company ranks 47th of 539 lenders in non-metro Virginia, with $26.7M lent: 0.5% of a $5.11B market.
non-metro Virginia is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The First Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — STAUNTON-STUARTS DRAFT, VA, 2025
The First Bank and Trust Company ranks 5th of 236 lenders in Staunton-Stuarts Draft, VA, with $23.0M lent: 2.9% of a $800.1M market.
Staunton-Stuarts Draft, VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The First Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — BLACKSBURG-CHRISTIANSBURG-RADFORD, VA, 2025
The First Bank and Trust Company ranks 13th of 233 lenders in Blacksburg-Christiansburg-Radford, VA, with $22.1M lent: 2.8% of a $778.1M market.
Blacksburg-Christiansburg-Radford, VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The First Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — NON-METRO OHIO, 2025
The First Bank and Trust Company ranks 458th of 592 lenders in non-metro Ohio, with $285K lent: 0.0% of a $6.94B market.
non-metro Ohio is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and The First Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — DALLAS-FORT WORTH-ARLINGTON, TX, 2025
The First Bank and Trust Company ranks 961st of 1,026 lenders in Dallas-Fort Worth-Arlington, TX, with $255K lent: 0.0% of a $63.42B market.
Dallas-Fort Worth-Arlington, TX is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and The First Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — FAYETTEVILLE, NC, 2025
The First Bank and Trust Company ranks 306th of 371 lenders in Fayetteville, NC, with $255K lent: 0.0% of a $2.93B market.
Fayetteville, NC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and The First Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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The First Bank and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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