The First National Bank and Trust

BankAtmore, Alabama
www.fnbandt.com

Total Assets

$239.5M

Total Deposits

$220.4M

Branches

4

Established

1915

TFS Health Grade

$
D-

60.7 / 100

Below average financial health

How we grade

The First National Bank and Trust is a bank headquartered in Atmore, Alabama, established in 1915. With $239.5M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D- (60.7/100).

Capital & Safety

Tier 1 Capital Ratio
11.68%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
0.36%(1%)
Return on Equity (ROE)
5.11%(10%)
Net Interest Margin
3.52%
Efficiency Ratio
80.32%(60%)

Lending & Liquidity

Total Loans
$144.4M
Loan-to-Deposit Ratio
64.84%
Net Charge-Off Ratio
1.04%

Growth

Asset Growth (YoY)
+10.31%
Deposit Growth (YoY)
+8.86%
Net Income
$828.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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