First National Bank and Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.39 percentage points higher than in Q1 2026, at 68.72%. First National Bank and Trust ranks 81st of 93 Alabama banks on return on assets, in the lower half at 0.46% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, First National Bank and Trust reported 0.46% on return on assets in Q2 2026, 0.80 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.54% |
| Equity capital to assets | 7.82% |
| Tangible equity to tangible assets | 7.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.09% |
| Allowance for credit losses to loans | 1.41% |
| Reserve coverage of non-performing loans | 1424.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.46% |
| Return on equity | 5.90% |
| Net interest margin | 3.65% |
| Efficiency ratio | 75.47% |
| Yield on earning assets | 4.94% |
| Cost of funds | 1.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.72% |
| Core deposits to total deposits | 81.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.72% |
| Securities to assets | 21.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.23% | 0.95% | 3.34% | 1.26% | -0.00% |
| Q4 2023 | 12.29% | 0.43% | 3.19% | 1.22% | 0.01% |
| Q1 2024 | 12.06% | 1.84% | 4.12% | 0.00% | 0.07% |
| Q2 2024 | 12.17% | 0.48% | 3.28% | 0.00% | -0.00% |
| Q3 2024 | 12.11% | 0.69% | 3.15% | 1.42% | 0.00% |
| Q4 2024 | 11.74% | 0.28% | 3.21% | 1.43% | 0.01% |
| Q1 2025 | 12.10% | 0.40% | 3.24% | 1.39% | -0.01% |
| Q2 2025 | 11.91% | 0.34% | 3.36% | 1.39% | 0.10% |
| Q3 2025 | 12.03% | 0.37% | 3.48% | 0.00% | 4.09% |
| Q4 2025 | 11.68% | 0.35% | 3.52% | 0.00% | 0.00% |
| Q1 2026 | 11.50% | 0.54% | 3.49% | 0.00% | 0.00% |
| Q2 2026 | 11.54% | 0.46% | 3.65% | 0.10% | -0.00% |
First National Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank and Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2779) · FFIEC NIC profile (RSSD 670430)