What is First Bank's financial health grade?

First Bank has a TFS Financial Health Grade of B (score: 77.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Bank have?

First Bank has 33 branch locations across the United States.

Is First Bank FDIC insured?

Yes, First Bank is FDIC insured (Certificate #6917).

What are the total assets of First Bank?

First Bank has total assets of $2.1B as reported in its most recent FDIC filing.

First Bank: TFS Grade & Financial Health

BankStrasburg, Virginia

www.fbvirginia.com

Compare First BankCD withdrawal tools

Total Assets

$2.1B

Total Deposits

$1.8B

Branches

Established

1907

First Bank is a bank headquartered in Strasburg, Virginia, established in 1907. It holds $2.1B in total assets across 33 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First Bank earns a TFS Financial Health Grade of B (77.8/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

77.8 / 100

Good financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

9.44%(8%)

Total Capital Ratio

13.91%(10%)

Non-Performing Loan Ratio

0.32%

Profitability

Return on Assets (ROA)

1.14%(1%)

Return on Equity (ROE)

12.24%(10%)

Net Interest Margin

4.07%

Efficiency Ratio

65.43%(60%)

Lending & Liquidity

Total Loans

$1.5B

Loan-to-Deposit Ratio

79.80%

Net Charge-Off Ratio

Other banks in Virginia

Capital One, National Association

Bank

Mclean, VA

$662.2B

NAVY FEDERAL CREDIT UNION

VIENNA, VA

$203.6B

HSBC Bank USA, National Association

Bank

Tysons, VA

$173.1B

C+

Atlantic Union Bank

Bank

Branch	Address	City	State	Type
First BankHQ	112 W King St	Strasburg	VA	11
First Bank	202 N Main St	Louisburg	NC	11
First Bank	778 Old Farm Rd S	Roanoke Rapids	NC	11
First Bank	98 Blue Ridge Blvd	Blue Ridge	VA	11
First Bank	200 Johnson Creek Dr	Chester	VA	11
First Bank	701 Virginia Ave	Clarksville	VA	11
First Bank	3115 Boulevard	Colonial Heights	VA	11
First Bank	1245 Roanoke Rd	Daleville	VA	11
First Bank	200 The Glebe Blvd	Daleville	VA	11
First Bank	3474 Rosney Rd	Dillwyn	VA	11
First Bank	13812 Boydton Plank Rd	Dinwiddie	VA	11
First Bank	301 W Spotswood Trl	Elkton	VA	11
First Bank	201 S Main St	Farmville	VA	11
First Bank	17 S Roanoke St	Fincastle	VA	11
First Bank	508 N Commerce Ave	Front Royal	VA	23
First Bank	1717 N Shenandoah Ave	Front Royal	VA	11
First Bank	4200 Gasburg Road	Gasburg	VA	11
First Bank	20701 First Street	Mc Kenney	VA	11
First Bank	5304 Main St	Mount Jackson	VA	11
First Bank	23315 Airport St	Petersburg	VA	11
First Bank	4700 Owens Way	Prince George	VA	11
First Bank	5601 Patterson Ave	Richmond	VA	11
First Bank	310 First Street, Suite 110	Roanoke	VA	11
First Bank	614 Lee Hwy	Roanoke	VA	11
First Bank	6300 River Rd	South Chesterfield	VA	11
First Bank	800 N Mecklenburg Ave	South Hill	VA	11
First Bank	1 W Frederick St	Staunton	VA	11
First Bank	695 Fairfax Pike	Stephens City	VA	11
First Bank	5192 Lee Hwy	Troutville	VA	11
First Bank	1415 W Main St	Waynesboro	VA	11
First Bank	208 Crock Wells Mill Dr	Winchester	VA	11
First Bank	1835 Valley Ave	Winchester	VA	11
First Bank	860 S Main St	Woodstock	VA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

No institution-level regulatory actions are currently published in TFS's exact-ID registry. Coverage is curated and this does not prove that no action exists.

Institution Details

Institution TypeBank

FDIC Certificate #6917

Primary RegulatorFED

FDIC/NCUA InsuredYes

Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.

Same-period peer analysis · 2026-Q2

First Bank compared with similar banks

Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.

Choose another

TFS health score

77.8

Near peers

50th percentileMedian 78.1

Tier 1 capital ratio

9.44%

worse than peers

30th percentileMedian 10.30%

Return on assets

1.14%

Near peers

40th percentileMedian 1.19%

Non-performing loans

0.32%

better than peers

58th percentileMedian 0.41%

Efficiency ratio

65.43%

worse than peers

35th percentileMedian 61.72%

Asset growth (YoY)

1.59%

worse than peers

22nd percentileMedian 5.87%

Suggested direct comparisons

Closest useful peers

View VA rankings

Same state

Chain Bridge Bank, National Association

Mclean, VA

$2.2B

C+

Same state

MainStreet Bank

Fairfax, VA

$2.2B

D+

Same state

Blue Ridge Bank, National Association

Martinsville, VA

First Bank: TFS Grade & Financial Health

Capital & Safety

Profitability

Lending & Liquidity

Other banks in Virginia

Capital One, National Association

NAVY FEDERAL CREDIT UNION

HSBC Bank USA, National Association

Atlantic Union Bank

Growth

Institution Details

First Bank compared with similar banks

Closest useful peers

United Bank

PENTAGON