First National Bank and Trust (Atmore, AL)
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Data as of · sourced from FFIEC call reports. How we update
First National Bank and Trust is an FDIC-insured commercial bank headquartered in Atmore, AL, established in 1915 (FDIC certificate 2779), and it is supervised by the OCC. At Q2 2026 it reported total assets of $238.6M, up 5.6% from Q2 2025, the 56th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2779
- Headquarters
- Atmore, AL
- Established
- 1915
- Total assets, Q2 2026
- $238.6M
- Assets vs Q2 2025
- +5.6%
- Tier 1 leverage ratio, Q2 2026
- 11.54%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 062104520
- Holding company
- FIRST SUNCOAST TRUST BANCSHARES, INC.
- Asset rank in state
- 56th of 93 in Alabama
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank and Trust is the 56th largest of the 93 banks headquartered in Alabama. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.0% to $238.6M, loans rose 2.6% and deposits fell 2.4%. 1-4 family residential loans made up 34.9% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 16.3%. Its 4 offices in the FDIC Summary of Deposits are in Atmore, AL, Excel, AL and Mobile, AL; its Atmore 2 offices book 73% of its branch deposits. On its Q2 2026 call report, First National Bank and Trust meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 4 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank and Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank and Trust's total assets moved between a low of $213.4M (Q2 2024) and a high of $243.5M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$238.6M total assets against $226.0M; $219.9M total liabilities against $210.5M.
$148.3M net loans and leases against $139.3M; $218.9M total deposits against $209.5M.
$51.5M securities against $51.5M; $23.5M cash and balances due against $20.6M.
$2.8M total interest income against $2.7M; $752K total interest expense against $836K.
$2.1M net interest income against $1.8M.
$419K total noninterest income against $387K; $1.9M total noninterest expense against $1.8M.
$294K provision for credit losses against $224K.
$272K net income against $194K.
0.46% return on assets against 0.34%; 3.65% net interest margin against 3.36%.
11.54% tier 1 leverage ratio against 11.91%.
Inside the full First National Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank and Trust rankings
Its closest position to the top of a national ranking is 1,837 of 3,640, for Texas Ratio; its furthest is 3,287 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.28% (Q4 2024) to 0.69% (Q3 2024) and its net interest margin ran from 3.15% (Q3 2024) to 3.65% (Q2 2026).
| 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
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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.
- 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).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First National Bank and Trust headquartered?
It is headquartered in Atmore, AL, United States.
When was First National Bank and Trust founded?
It was established in 1915, per the FDIC institution directory.
Is First National Bank and Trust FDIC-insured?
Yes. It 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.
How many branches does First National Bank and Trust operate?
It 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?
Its Texas Ratio is 3.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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