First National Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank and Trust of Atmore, AL against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.46% | 1.35% | -0.89% | 12th bottom |
| ROAE | 5.90% | 13.33% | -7.43% | 17th bottom |
| Net Interest Margin | 3.65% | 3.93% | -0.28% | 34th below |
| Efficiency Ratio | 75.47% | 61.13% | +14.34% | 19th bottom |
| PPNR / Avg Assets | 0.98% | 1.68% | -0.70% | 19th bottom |
| Yield on Earning Assets | 4.94% | 5.67% | -0.73% | 21st bottom |
| Cost of Funds | 1.36% | 1.88% | -0.52% | 77th top |
| Net Interest Spread | 2.81% | 3.32% | -0.51% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 73rd above |
| NPA / Total Assets | 0.27% | 0.70% | -0.43% | 54th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 78th top |
| ACL / Total Loans | 1.41% | 1.28% | +0.13% | 73rd above |
| ACL / NPLs (Coverage) | 1424.16% | 1546.15% | -121.99% | — |
| Texas Ratio | 3.09% | 7.34% | -4.25% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.54% | 12.14% | -0.60% | 58th above |
| Equity / Assets | 7.82% | 11.37% | -3.55% | 12th bottom |
| TCE / Tangible Assets | 7.82% | 11.08% | -3.26% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.72% | 80.66% | -11.94% | 73rd above |
| Core Deposit Ratio | 81.87% | 86.85% | -4.98% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.56% | 6.84% | -1.28% | 59th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.07% | 7.92% | -1.85% | 55th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.45% | 6.29% | -1.84% | 53rd above |
See First National Bank and Trust's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank and Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank and Trust profile, how to read a UBPR, or how this data updates.