First National Bank and Trust (Atmore, AL): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First National Bank and Trust spends more to run itself than most banks of its size. Its balance sheet stood at $239 million at June 30, 2026, up 5.6% from a year earlier; it is based in Atmore, Alabama. It earns about $0.46 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.10% of loans from 1.39%. Its $25 million commercial and industrial book is now fully current, after 3.48% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, First National Bank and Trust reported a return on assets of 0.46%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 3.09%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 111 S Main St, Atmore, AL 36502
- County
- Escambia
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1915
- Former names
- The First National Bank and Trust (2006)
- Offices
- 4 domestic
- Employees (FTE)
- 50
- Domestic deposits
- $218.9M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $238.4M
- Average total loans
- $148.4M
- Average interest-bearing deposits
- $140.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2779
- Fed RSSD
- 670430
- Website
- www.fnbandt.com →
- Parent Holding Company
- FIRST SUNCOAST TRUST BANCSHARES, INC. (RSSD 1141302)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First National Bank and Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First National Bank and Trust, freeFirst National Bank and Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.54% | 0.46% | 0.10% | 3.09% | 3.65% |
| Q1 2026 | 11.50% | 0.54% | 0.00% | 2.52% | 3.49% |
| Q4 2025 | 11.68% | 0.35% | 0.00% | 2.69% | 3.52% |
| Q3 2025 | 12.03% | 0.37% | 0.00% | 2.86% | 3.48% |
| Q2 2025 | 11.91% | 0.34% | 1.39% | 10.94% | 3.36% |
| Q1 2025 | 12.10% | 0.40% | 1.39% | 10.84% | 3.24% |
| Q4 2024 | 11.74% | 0.28% | 1.43% | 12.39% | 3.21% |
| Q3 2024 | 12.11% | 0.69% | 1.42% | 10.57% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank and Trust | Atmore , AL | 36502 | $159.0M |
| Excel Branch of First National Bank and Trust | Excel , AL | 36439 | $35.2M |
| Mobile Branch | Mobile , AL | 36608 | $24.6M |
| Atmore Branch | Atmore , AL | 36502 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 20, 1987 | Structure Change | Acquired First State Bank of Atmore Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 19, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First National Bank and Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- February 15, 2011, OCC: Formal Agreement: First National Bank and Trust
- Period: Most recent institution action February 15, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in AL, rank 75 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $450K approved, $450K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First National Bank and Trust
What are First National Bank and Trust's total assets?
As of the Q2 2026 filing, First National Bank and Trust reported total assets of $238.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank and Trust headquartered?
First National Bank and Trust is headquartered in Atmore, AL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First National Bank and Trust founded?
First National Bank and Trust was established in 1915, per the FDIC institution directory.
Is First National Bank and Trust FDIC-insured?
Yes. First National Bank and Trust is an FDIC-insured commercial bank (FDIC Certificate #2779). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank and Trust?
First National Bank and Trust's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First National Bank and Trust operate?
First National Bank and Trust operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank and Trust's Texas Ratio?
First National Bank and Trust's Texas Ratio is 3.09% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First National Bank and Trust previously called?
The charter now named First National Bank and Trust has also operated as The First National Bank and Trust (2006), per FDIC structure-change records.
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