BanksFIRST NATIONAL BANK AND TRUST

FIRST NATIONAL BANK AND TRUST

ATMORE, ALSmallEst. Jan. 1, 1915, midnightFDIC #2779RSSD #670430OCC
Latest · 2025-12-31

FIRST NATIONAL BANK AND TRUST is an FDIC-insured commercial bank headquartered in ATMORE, AL, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $239M and total deposits of $220M. Profitability stands at 0.34% ROA and 4.52% ROE, with a net interest margin of 3.61%. CET1 capital ratio: 7.66%. NPL ratio: 0.00% · Texas Ratio: 2.69%. Operates 4 domestic branches.

Assets
$239M
Deposits
$220M
Loans
$144M
Equity
$18M

Profitability

Return on Assets (ROA)0.34%
Return on Equity (ROE)4.52%
Net Interest Margin3.61%
Yield on Assets5.15%
Cost of Funds1.55%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio1.02%
Texas Ratio2.69%
NPA Ratio0.22%
ACL / Loans1.06%

Capital & Liquidity

CET1 Ratio7.66%
Tier 1 Capital7.66%
Total Capital Ratio8.05%
Leverage Ratio11.68%
Loan-to-Deposit65.53%

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