Rooted in Agriculture, Recognized Nationwide
March 18, 2026
From the rolling hills of Southwest Virginia to farming communities across multiple states, we’ve spent decades building relationships with the people who feed and fuel our nation. That deep commitment has earned national recognition; and reflects the trust our customers place in us every day.
A National Leader in Agricultural Lending
First Bank and Trust Company is proud to be ranked among the top agricultural lenders in the United States. According to data from the Federal Reserve Bank of St. Louis, the bank ranks:
-
3rd largest agricultural bank in the nation
-
17th largest agricultural lender among all U.S. commercial banks
These rankings place First Bank and Trust Company alongside some of the largest financial institutions in the country; an impressive achievement for a community bank headquartered in Abingdon, Virginia.
On March 13, 2026, First Bank and Trust Company was awarded Outstanding Ag Business Partner Award at the annual Washington County (TN) Agricultural & Business Partner Appreciation Dinner.
Pictured: Accepting the award on behalf of the Bank were L to R. Justin Scarlett – Loan Officer, Roy Settle – VP Loan Officer, Maranda Phillips – Relationship Manager, and Deborah Miller – Sr. Loan Processor. Presenting the award were far left Lucas Rector – Farm Credit Services & far right Joseph Redmon – The Kitchen at Grace Meadows.
What It Means to Be an “Ag Bank”
Agricultural banks are defined by their commitment to serving farmers, growers, and agribusinesses. At First Bank and Trust Company, agricultural loans make up a significant portion of the bank’s portfolio, qualifying us as a true “ag bank” and reflecting a deep, ongoing investment in rural communities.
But numbers only tell part of the story.
Behind every loan is a farmer planning for the next season, a family investing in land, or a legacy being carefully prepared and passed on to the next generation. Our agricultural lenders understand this firsthand; many come from farming backgrounds themselves and bring real-world insight to every relationship.
At the same time, we are not solely an ag bank, we offer robust consumer, business, and commercial deposit and loan solutions, along with dedicated Mortgage and Trust & Wealth Divisions to support the full financial picture of our customers.
Bradley Webb, SVP Agricultural Division Manager, and Keith Phillips, retired former SVP/Agricultural Division Manager, conduct an on-farm visit with Casey Engel during harvest season in Windsor, Virginia.
One Relationship. More Possibilities.
Agricultural lending is at our core, but our approach goes further.
Many financial institutions can help finance land, equipment, or operating expenses. But at First Bank and Trust, we believe our customers deserve more than a single-purpose lender. You deserve a financial partner who understands the full picture.
That’s why we offer a comprehensive range of solutions designed to support every aspect of our customers’ lives and operations:
-
Personal Banking with Free Checking* and Industry-leading Digital Banking for your day-to-day financial needs
-
Business and Commercial Lending to help your operations grow and adapt
-
Flexible deposit solutions, including mobile deposit, so you can manage cash flow with confidence
Instead of working with multiple institutions to meet different needs, our customers benefit from a single, trusted relationship, one that grows with them over time.
Beyond the Farm
Farming is a business; but it’s also a life.
From building a home to planning for future generations, financial needs extend far beyond the operation itself. First Bank and Trust is uniquely positioned to meet those needs through dedicated expertise, including:
-
Mortgage services to help families put down roots
-
Trust & Wealth Management to help protect, grow, and transfer assets
This full-service approach allows us to support not just the farm; but the family and future behind it.
A Partner for Today, and Tomorrow
With a 1 billion agricultural lending portfolio, First Bank and Trust continues to invest in rural communities and the people who power them.
But what truly sets us apart isn’t just our size or ranking, it’s our commitment to building relationships that last.
Because agriculture doesn’t stand still. Markets shift. Operations evolve. Generations change.
And through it all, our role remains the same: to provide steady, knowledgeable, and comprehensive financial support, every step of the way.
Agricultural Loan Officer Carly Crutchfield conducting on-farm visit with Dutchess Dairy.