First National Bank and Trust
Operating from Atmore, AL, First National Bank and Trust serves its local market as an FDIC-insured commercial bank. Total assets stand at $244M. Profitability runs below industry average — 0.54% ROA, 7.09% ROE, with NIM at 3.49%. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.50% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.00% NPLs and a 2.52% Texas Ratio. It operates 4 branches, primarily in Alabama.
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
- Fed District
- 5
- Established
- January 1, 1915
- Branches
- 4 domestic
- Employees (FTE)
- 46
- FDIC Cert
- 2779
- Fed RSSD
- 670430
- Website
- www.fnbandt.com →
- Parent Holding Company
- FIRST SUNCOAST TRUST BANCSHARES, INC. (RSSD 1141302)
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First National Bank and Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- FailureFailure / assisted resolutionFDIC FAILURES
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
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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 Q1 2026 filing, First National Bank and Trust reported total assets of $243.5 million in its most recent 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 required of all FDIC-insured commercial banks.
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 branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank and Trust's Texas Ratio?
First National Bank and Trust's Texas Ratio is 2.52% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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