This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Martinsville, VA
Health score
85.0
Total assets
$4.8B
Bank
Lebanon, VA
Health score
87.5
Total assets
$4.3B
Answer first
Carter Bank & Trust leads on capitalization and profitability; The First Bank and Trust Company leads on financial health and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The First Bank and Trust Company
Higher TFS health score
Capitalization
Carter Bank & Trust
Higher comparable capital ratio
Profitability
Carter Bank & Trust
Higher return on assets
Lending quality
The First Bank and Trust Company
Lower problem-loan measure
Growth
The First Bank and Trust Company
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Carter Bank & Trust | The First Bank and Trust Company |
|---|---|---|
| TFS health score | 85.0/100 | 87.5/100Leads |
| Total assets | $4.8B | $4.3B |
| Total deposits / shares | $4.2B | $3.8B |
| Tier 1 capital ratio | 11.73%Leads | 10.07% |
| Return on assets | 3.66%Leads | 1.83% |
| Return on equity | 37.13%Leads |
Carter Bank & Trust
67 branches
The First Bank and Trust Company
34 branches
Both institutions report branches in 2 states: NC, VA.
Carter Bank & Trust
Unavailable
The First Bank and Trust Company
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Carter Bank & Trust
0 in TFS registry
The First Bank and Trust Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Carter Bank & Trust score | Carter Bank & Trust ROA | The First Bank and Trust Company score | The First Bank and Trust Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.53% | — | 1.54% |
| 2024-Q4 | — | 0.59% | — | 1.58% |
| 2025-Q1 | — | 0.82% | — | 1.57% |
| 2025-Q2 | — | 0.80% | — | 1.57% |
| 2025-Q3 | — | 0.70% | — | 1.60% |
| 2025-Q4 | — | 0.72% | — | 1.62% |
| 2026-Q1 | 82.9/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 18.63% |
| Non-performing loans | 1.01% | 0.28%Leads |
| Net charge-offs | -0.82%Leads | 0.22% |
| Efficiency ratio | 38.54%Leads | 39.98% |
| Loan-to-deposit ratio | 87.67% | 93.94% |
| Asset growth (YoY) | 0.35% | 6.64%Leads |
| Deposit / share growth (YoY) | -0.76% | 6.84%Leads |
| Branches | 67 | 34 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 7.13% |
| 87.1/100 |
| 1.70% |
| 2026-Q2 | 85.0/100 | 3.66% | 87.5/100 | 1.83% |